Afterpay vs Mintpay | Pay Better.
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Afterpay
Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.
- Split purchases into 4 payments
- Monthly payment options available
- Discover exclusive deals and brands
- Shop in-store with tap-to-pay
- Manage payments and orders
- Unlock spending power
- Gift card purchases
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Buy now, pay later with Afterpay. Shop your favorite brands online, in-store, or in the app. Access exclusive deals by shopping in the Afterpay app. Get what you want now, and pay over time. Choose to pay in 4* generally over the course of 6 weeks, or up to 24 months**. With Afterpay you can discover and shop new brands and products, and get exclusive discount shopping. Buy now from fashion, beauty, home, toys, tech, and more. With over 700k five-star reviews, Afterpay is the app you need to split payments. Shop now when you download Afterpay. Access in-store or online shopping with your pre-approved spending limit and pay in 4 for your favorite products. AFTERPAY FEATURES: PAY IN 4 - Shop now and split your purchase to pay in 4 payments. - Split payments and pay generally over the course of 6 weeks. PAY MONTHLY - Discount shopping with Afterpay allows for payment flexibility with monthly payments on eligible orders at participating brands. - Buy now and pick the plan that works for you. Split payments in 3, 6, 12, or 24 months, depending on your order amount and merchant availability. SHOP NOW AND DISCOVER MORE IN THE APP - Discover even more app-exclusive brands in fashion, tech, travel, and more only in the app. - Explore curated round-ups and gift guides from our editors. GIFT IT WITH AFTERPAY - Gift even easier with gift cards from hundreds of top brands available exclusively in the Afterpay app. - Select your gift card, send it directly to your recipient’s inbox, and pay over time. BUY NOW WITH AFTERPAY IN-STORE - Shop now for your favorite brands in-store with Afterpay. - Tap to pay, and take it home today. MANAGE YOUR SPLIT PAYMENTS - Review your Afterpay orders and manage payments in the app. - Select your preferred payment day to make your payment schedule work for you. STAY INFORMED WITH NOTIFICATIONS - Manage your notifications to stay up to date on your account, new brands, and exclusives. - Get alerts on your activity, payment schedules, and special offers. BUY NOW TO UNLOCK MORE SPENDING POWER - Unlock higher spending limits when you pay on time. - Check your spend limit and keep on top of your finances in the Afterpay app. 24/7 CUSTOMER SUPPORT - Get support anytime you need. - Use our customer support chat or access FAQs in the app. By using the Afterpay app, you agree to the applicable Terms of Use (https://www.afterpay.com/en-US/terms-of-service) and Privacy Policy (https://www.afterpay.com/en-US/privacy-policy). *You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. For access to in-store, additional verification may be required. Late fees may apply. Payment amounts shown are estimates and depend on eligibility and exclude taxes and shipping charges, which are added at checkout. For complete terms see Afterpay terms (https://www.afterpay.com/en-US/installment-agreement) and Cash App terms (https://cash.app/legal/us/en-us/tos). Loans to California residents made or arranged pursuant to a California Finance Lenders Law license. **You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Loans through the Afterpay Pay Monthly program are underwritten and issued by the First Electronic Bank. A down payment may be required. APRs range from 0.00% to 35.99%, depending on eligibility and merchant. As an example, a 12 month $1,000 loan with 21% APR would have 11 monthly payments of $93.11 and 1 payment of $93.19 for a total payment of $1,117.40. Loans are subject to credit check and approval and are not available in all states. Valid debit card and acceptance of final terms required to apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. See https://www.afterpay.com/en-US/loan-agreement for complete terms.
Mintpay | Pay Better.
Shop smarter and earn rewards with this payment app. Choose to pay now for instant cashback in loyalty coins or pay later in three interest-free installments. Redeem your earned coins across a wide network of partner brands.
- Pay Now with instant cashback
- Pay Later in 3 interest-free installments
- Earn and redeem Mint Coins
- Shop at 2,500+ partner brands
- Track payments and spending
- Instant account verification
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Shop smarter and get rewarded every time you pay. With Mintpay, you can Pay Now for instant cashback or Pay Later in three interest free instalments — and earn Mint Coins either way. Mintpay isn’t just another payment app. Join us as we build a financially fluent Sri Lanka, where everyone wins — you, our partner stores, and the broader community. Shop across fashion, electronics, food, travel, flights, and more at over 2,500+ partner brands. Ways to Pay Pay Now – Earn Cashback in Mint Coins Pay in full with your debit or credit card and get cashback as Mint Coins, redeemable on future purchases. No limits, no minimums — just real rewards. 1 Mint Coin = 1 LKR. Pay Later – 3 Interest-Free Instalments Split your bill into 3 interest-free payments with your debit or credit card and earn extra Mint Coins by paying your installments early — good habits pay off. What Are Mint Coins? - Mint Coins are your Mintpay rewards currency: - Earn them every time you Pay Now or Pay Later - Convert gift vouchers into Mint Coins for flexible use - Redeem them at any partner store, online or in-store - No expiry, no rush — spend anytime (T&Cs apply) How It Works - Sign Up in Minutes – Create a free account and verify to unlock Pay Later. - Shop Anywhere – Use Mintpay online or in-store at 2,500+ partner brands. - Pay Better – Choose Pay Now to earn cashback in Mint Coins, or Pay Later in 3 instalments and earn extra Mint Coins for early payments. - Redeem Mint Coins – Use your Mint Coins anytime, even partially, across multiple purchases. Why Mintpay? - Instant account verification - Unlimited cashback through Mint Coins - 0% interest on Pay Later - Earn rewards for responsible payments - Track payments, rewards, and spending easily in one app Shop better. Pay better. Earn more with Mintpay Contact Us: Website: https://mintpay.lk/ Email: support@mintpay.lk
Screenshots
Verdict
The clearest difference is monetization model: Mintpay | Pay Better. at free against Afterpay's free with in-app purchases. Mintpay | Pay Better. also leads on device support (3 vs 1). Afterpay's advantage is ratings volume (753K vs 192) and rating (4.9 vs 4.6). On price, ads, in-app purchases and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Afterpay holds the better App Store score, 4.9 against 4.6. That said, the two scores are not equally well evidenced: Afterpay has 753K ratings behind it against 192, so its average is the more settled of the two. Written reviews point the same way: 19% of Afterpay's written reviews are positive against 0% of Mintpay | Pay Better.'s.
Afterpay ships an update fortnightly, Mintpay | Pay Better. monthly. The most recent releases landed on October 31, 2026 and October 30, 2026 respectively.
| Parameter | Afterpay | Mintpay | Pay Better. |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (753K ratings) — better | 4.6 (192 ratings) |
| Positive reviews | 19.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 753K — better | 192 |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Best chart rank | #35 — better | — |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.5 — better |
| Further details — not scored | ||
| Size | 161 MB | 81 MB |
| Age rating | 17+ | 17+ |
| Developer | Afterpay | Mintpay (Private) Limited |
Customer experience
Afterpay
Mintpay | Pay Better.
Bugs and requests
Afterpay
Reported bugs
4 issues- Orders not processing properly
- Payment issues and declined transactions
- Inability to update payment information
- App crashes and login problems
Requested features
4 requests- Report payments to credit bureaus
- More flexible payment scheduling options
- In-app customer service chat/phone support
- Ability to use Afterpay for recurring bills/expenses
Mintpay | Pay Better.
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Afterpay
No in-app purchases
Mintpay | Pay Better.
No in-app purchases









