Afterpay vs Zip Pay: Which BNPL Service Costs Less in 2026?
Compare Afterpay and Zip Pay fees for your business. Use our free BNPL calculator to see which service costs less and save money.
Buy Now, Pay Later (BNPL) services like Afterpay and Zip Pay have exploded in popularity among Australian consumers. But for businesses, the key question is: which service costs less in fees? In this article, we break down how Afterpay and Zip Pay fees work, compare them side by side, and show you exactly how much you could save using our BNPL fee calculator.
How Afterpay Fees Work
Standard Fee Structure
Afterpay typically charges merchants a percentage per transaction, plus any fixed fees. Rates vary depending on your business size and payment volume.
Examples for Different Transaction Sizes
- $50 purchase → X% fee = $Y
- $200 purchase → X% fee = $Y
Tips to Reduce Afterpay Fees
- Increase average transaction size
- Use bundled payments or promotions strategically
- Consider negotiating with Afterpay if volume is high
How Zip Pay Fees Work
Standard Fee Structure
Zip Pay charges merchants slightly differently. Understanding the exact percentage and any additional fixed fees is key for budgeting.
Examples for Different Transaction Sizes
- $50 purchase → X% fee = $Y
- $200 purchase → X% fee = $Y
Tips to Reduce Zip Pay Fees
- Offer Zip Pay as an optional payment method
- Monitor transaction volume and adjust accordingly
- Encourage customers to use higher-tier Zip Pay plans if applicable