Best Zip Alternatives in 2026

Updated October 2026

20 apps from buy now, pay later platforms ranked against Zip on the same published basis.

Zip alternatives compared

#	App	Score	Free plan	From	Runs on
1	Tabby	6.6	Free plan	Free	Android, API, iOS, Web
2	ViaBill	6.6	Free plan	Free	Android, API, iOS, Web
3	Afterpay	6.5	Free plan	Free	Android, API, iOS, Web
4	Atome	6.5	Free plan	Free	Android, API, iOS, Web
5	Billie	6.5			Android, iOS, Web
6	PayJustNow	6.5			Android, iOS, Web
7	Scalapay	6.5			Android, API, iOS, Web
8	Tamara	6.5	Free plan	AED 19/mo	Android, iOS, Web
9	Zilch	6.5	Free plan	£2.99/mo	Android, iOS, Web
10	Affirm	5.6			Android, API, Browser, iOS, Web
11	Aplazo	5.6			Android, API, iOS, Web
12	Katapult	5.6			Android, API, iOS, Web
13	Klarna	5.6		$4.99/mo	Android, API, iOS, Web
14	Kueski Pay	5.6			Android, API, iOS, Web
15	Oney	5.6			Android, API, iOS, Web
16	Sezzle	5.6		$13.99/mo	Android, API, iOS, Web
17	Sunbit	5.6			Android, iOS, Web
19	Addi	5.5			Android, iOS, Web
20	FLOA	5.5		€1.25/mo	Android, iOS, Web
21	Riverty	5.5			Android, API, iOS, Web

Make your app an alternative to Zip

The sponsored alternative slot on this page is labelled Sponsored.

What is the best alternative to Zip?

Tabby, number 1 in buy now, pay later platforms with a score of 6.6 out of 10. The others here: ViaBill, Afterpay, Atome and 16 more.

What is the best free alternative to Zip?

Tabby is the best-ranked alternative with a free plan. 6 of the 20 alternatives here publish a free plan on their own pricing pages.

How are these alternatives ranked?

Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.