Affirm vs Riverty
Affirm
affirm.comRiverty
riverty.comSide by side
| Figure | Affirm | Riverty |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 8 |
| Spec score · Buy Now, Pay Later Platforms | 7.8 (#11) | 8.4 (#3) |
| API environments | Affirm provides separate sandbox and live API environments at sandbox.affirm.com and api.affirm.com. | BNPL documentation provides separate Partner Test and Live endpoints, with live access only after integration completion. |
| Founded | 2012 | 2022 |
| Integrations | Affirm lists integrations with Shopify, Wix, BigCommerce, Adobe Commerce, Salesforce Commerce Cloud, SAP Commerce, WooCommerce, Stripe, Adyen, Worldpay, and other platforms and payment service providers. | Official integration documentation lists Magento, Shopify, WooCommerce, Shopware, PrestaShop, Lightspeed, JTL, OXID, Myshop and Divide.o. |
Plans
Affirm
- Adaptive Checkout™Price not published
- InstallmentsPrice not published
- Pay in 4Price not published
Riverty
- PauseFree
- 14/30-day invoicePriced on request
- Direct debitPriced on request
- Fixed installmentsPriced on request
- FlexPriced on request
- Monthly invoicePriced on request
- Pay in 3Priced on request
- Riverty Buy Now, Pay LaterPriced on request
In their own words
Affirm
Affirm is a buy now, pay later service for financing purchases at merchant checkout. Consumers can choose Pay in 4, billed in four interest-free payments every two weeks for orders from $50 to $249.99, or monthly installments. The Installments plan covers 3–60 months for orders up to $25,000; listed repayment terms overall range from six weeks to 36 months. Affirm states that rates are 0–36% APR based on credit, while Pay in 4 is 0% APR, and says consumers are not charged late or hidden fees. Each transaction is underwritten individually using traditional credit information plus factors such as transaction history and credit usage. Merchants can integrate through the Direct API, Android and iOS SDKs, or listed commerce and payment platforms, with separate sandbox and live API environments. Consumers can use Android and iOS apps, a Chrome extension, Apple Pay, and Google Pay. A merchant dashboard and support centers are provided.