Checkout.com vs Affirm: Which Should You Choose in 2026?
Choosing between Checkout.com and Affirm comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 28, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Checkout.com
Payment processing built for the digital economy
Best for you if:
- • Checkout.com provides a high-performance, modular payment platform designed for enterprise-scale businesses.
- • The platform offers a unified API for managing the entire payment lifecycle, including accepting payments, processing payouts, and handling refunds, across various channels and global markets.
Affirm
Pay over time with flexible payment plans and no fees, for consumers and businesses.
Best for you if:
- • Offers flexible buy now, pay later options for consumers.
- • Provides transparent payment plans with no hidden fees.
| At a Glance |  Checkout.com |  Affirm |
|---|---|---|
Price | Paid | Paid |
Best For | Payment Processing | Payment Processing |
Rating | —/100 | —/100 |
| Feature | Checkout.com | Affirm |
|---|---|---|
| Pricing Model | Paid | Paid |
| Editorial Score | — | — |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 126 | 0 |
| Categories | Payment ProcessingSubscription Billing | Payment ProcessingE-commerce Platforms |
How Checkout.com and Affirm Compare
Checkout.com
Payment processing built for the digital economy
Paid
Affirm
Pay over time with flexible payment plans and no fees, for consumers and businesses.
Paid
Who Should Use What?
On a budget?
Both are paid. Compare plans on their websites.
Go with: Checkout.com
Want the highest-rated option?
Neither has been rated yet.
Go with: Checkout.com
Value user reviews?
Neither has user reviews yet.
Go with: Checkout.com
3 Questions to Help You Decide
What's your budget?
Both are paid. Pricing won't help you decide here.
What's your use case?
Both are payment processing tools. Compare their specific features to decide.
How important are ratings?
Not all tools have been rated yet.
Key Takeaways
Checkout.com
- More community upvotes (126)
- Our pick for this comparison
Affirm
The Bottom Line
Checkout.com is our pick.
Frequently Asked Questions
Is Checkout.com or Affirm better?
Checkout.com scores high/100 in our evaluation. Both are paid.
What are Checkout.com and Affirm used for?
Checkout.com: Payment processing built for the digital economy. Affirm: Pay over time with flexible payment plans and no fees, for consumers and businesses..
What does Checkout.com cost vs Affirm?
Checkout.com is a paid tool. Affirm is a paid tool. Visit their websites for detailed pricing.