Afterpay vs Kueski Pay

Afterpay lets eligible shoppers pay in installments at partner brands and shop online or in-store. Pay in 4 takes the first payment upfront and spreads the remaining payments across six weeks; the listed plan costs nothing and requires eligibility. The app lets customers track payments, reschedule payment dates, explore recommendations and deals, and create shopping lists. For in-store purchases, customers can set up the digital Afterpay Card in the app and add it to Apple Wallet or Google Wallet. Retailers can offer Afterpay online, in-store or in-app; the in-store option works with an existing point of sale and needs no additional hardware. The Business Hub brings transactions, settlements and reporting together. Integrations include e-commerce, payments and content-management platforms, as well as iOS and Android SDKs and API options. Afterpay is available on Android, iOS, web and API. U.S. customers must be at least 18, reside in the U.S. and meet additional eligibility criteria. Pay in 4 has no late fees when paid on time, but late fees may apply, and some transactions may carry a finance fee. Afterpay states that it is a PCI-DSS Level 1 certified service provider and an ISO/IEC 27001 certified organisation.

Kueski Pay is a Mexico-only buy-now, pay-later service for eligible purchases. Customers apply online through a short form and receive an immediate decision, subject to eligibility. No credit card or down payment is required. Listed purchase amounts run from $60 to $26,000 MXN, subject to approval and restrictions. Repayment plans cover 2, 4, 6, 8, 10, or 12 fortnightly installments, with interest; seasonal promotions may offer 2 or 4 installments without interest. The Kueski app shows balances and payment dates, accepts payments, helps users find merchants, presents offers, and provides cashback. Payments can use automatic payment, the BBVA app, bank transfer, debit card, BBVA Practicaja, OXXO, and affiliated stores. Merchants receive the full sale in one payment, while Kueski handles later repayment and says it assumes all fraud and chargeback risk. Merchant connections include Shopify, VTEX, WooCommerce, PrestaShop, Magento, Tienda Nube, and an SDK. Merchant fees are a transaction percentage plus IVA, with no fixed costs and rates supplied on inquiry. The service runs on Android, iOS, web, and API.