US-incorporated BNPL provider, NASDAQ-listed (AFRM).
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Ordered by feature parity and migration friction, which is weighted higher than feature breadth.
Figure 1Closest matches to Affirm
Paris-area French BNPL for merchants: 2/3/4/10/12 installments + Pay Later; 21,800+ merchants across 8 EU countries; Alma SAS, EU-owned.
Milan-based Italian BNPL (Scalapay S.r.l., 2019): 3 interest-free installments, 1,500+ merchants, 9 EU markets; US-VC-funded at $700M Series B.
Stockholm-based Klarna Bank AB (Finansinspektionen-licensed Swedish bank): BNPL + checkout giant, 150M+ consumers, NYSE-listed since September 2025 under UK parent Klarna Group plc.
All 3 alternatives, benchmarked against Affirm.
Paris-area French BNPL for merchants: 2/3/4/10/12 installments + Pay Later; 21,800+ merchants across 8 EU countries; Alma SAS, EU-owned.
Milan-based Italian BNPL (Scalapay S.r.l., 2019): 3 interest-free installments, 1,500+ merchants, 9 EU markets; US-VC-funded at $700M Series B.
Stockholm-based Klarna Bank AB (Finansinspektionen-licensed Swedish bank): BNPL + checkout giant, 150M+ consumers, NYSE-listed since September 2025 under UK parent Klarna Group plc.
Beyond compliance: how these alternatives compare on the capabilities you actually use day to day.
| Feature | Alma | Scalapay | Klarna |
|---|---|---|---|
| Card payments | No | No | Yes |
| SEPA Direct Debit | No | No | No |
| Buy now, pay later | Yes | Yes | Yes |
| Open banking (A2A) | No | No | Yes |
| Recurring / subscriptions | No | No | Yes |
| Payment links | Yes | Not assessed | Yes |
| In-person / POS | Yes | Yes | Yes |
| Marketplace / split | No | No | No |
Source: vendor documentation, as of Aug 2026.
Listed for transparency. Every product on this page is benchmarked against this baseline.
Listed for transparency. Every product on this page is benchmarked against this baseline.
US-incorporated BNPL provider, NASDAQ-listed (AFRM).
For every product we read the public DPA, sub-processors document, hosting region declaration, and corporate ownership records. Each is timestamped. Signals are editorial, re-verified quarterly. We never accept self-attestation.
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