Best Buy Now, Pay Later Platforms in 2026
Updated
A buy now, pay later service affects both the customer’s checkout choice and the merchant’s payment workflow. Compare checkout channels and consumer regions to understand where an option may apply, then consider merchant platforms and dashboard availability for the seller’s side. Merchant settlement and repayment terms are further distinctions in how payments are handled. Tabby, Afterpay, and Atome are among the entries to compare. Free-plan availability and paid-from pricing round out the criteria, so weigh the listed details against your relevant sales channels, regions, and repayment arrangements.
26ranked
6free plans on this page
€1.25/molowest paid tier
10 Oct 2026last checked
9 of 9 with known pricing have a free tier;0 apps show full bars: free, open, on most devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | TabbyWeb · Android · iPhone · API | Three bars | 3 of 6 | Free | 6.6 | ||
| 2 | ViaBillWeb · Android · iPhone · API | Three bars | 3 of 6 | Free | 6.6 | ||
| 3 | AfterpayWeb · Android · iPhone · API | Three bars | 3 of 6 | Free | 6.5 | ||
| 4 | AtomeWeb · Android · iPhone · API | Three bars | 3 of 6 | Free | 6.5 | ||
| 5 | BillieWeb · Android · iPhone | Three bars | 3 of 6 | 6.5 | |||
| 6 | PayJustNowWeb · Android · iPhone | Three bars | 3 of 6 | 6.5 | |||
| 7 | ScalapayWeb · Android · iPhone · API | Three bars | 3 of 6 | 6.5 | |||
| 8 | TamaraWeb · Android · iPhone | Three bars | 3 of 6 | AED 19/mo | 6.5 | ||
| 9 | ZilchWeb · Android · iPhone | Three bars | 3 of 6 | £2.99/mo | 6.5 | ||
| 10 | AffirmWeb · Android · iPhone · API · Extension | Two bars | 3 of 6 | 5.6 | |||
| 11 | AplazoWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.6 | |||
| 12 | KatapultWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.6 | |||
| 13 | KlarnaWeb · Android · iPhone · API | Two bars | 3 of 6 | $4.99/mo | 5.6 | ||
| 14 | Kueski PayWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.6 | |||
| 15 | OneyWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.6 | |||
| 16 | SezzleWeb · Android · iPhone · API | Two bars | 3 of 6 | $13.99/mo | 5.6 | ||
| 17 | SunbitWeb · Android · iPhone | Two bars | 3 of 6 | 5.6 | |||
| 18 | ZipWeb · Android · iPhone · API · Extension | Two bars | 3 of 6 | 5.6 | |||
| 19 | AddiWeb · Android · iPhone | Two bars | 3 of 6 | 5.5 | |||
| 20 | FLOAWeb · Android · iPhone | Two bars | 3 of 6 | €1.25/mo | 5.5 | ||
| 21 | RivertyWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.5 | |||
| 22 | MonduWeb · API | One bar | 1 of 6 | 5.4 | |||
| 23 | SnapmintWeb · API | One bar | 1 of 6 | 5.4 | |||
| 24 | SplititWeb · API | One bar | 1 of 6 | 5.4 | |||
| 25 | PayflexWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.2 |
Compare all 25 in a table
| # | App | Score | Free plan | Paid from | Checkout channels | Repayment terms |
|---|---|---|---|---|---|---|
| 1 | Tabby | 6.6 | Yes | omnichannel | 4 interest-free payments; up to 12 monthly payments; longer Saudi Arabia plans up to 12 monthly payments | |
| 2 | ViaBill | 6.6 | omnichannel | 4 installments: first at purchase, then three monthly payments | ||
| 3 | Afterpay | 6.5 | Yes | omnichannel | Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months | |
| 4 | Atome | 6.5 | Yes | omnichannel | Pay-in-3: first payment at purchase, remaining payments monthly; Pay-in-6: first payment one day after purchase, remaining payments every 30 days | |
| 5 | Billie | 6.5 | omnichannel | 7 to 120 days; 30 to 120 days for buyer-facing pay-later terms; installments; pay on account | ||
| 6 | PayJustNow | 6.5 | No | omnichannel | 3 instalments; 12 months | |
| 7 | Scalapay | 6.5 | omnichannel | Pay in 3: first payment at purchase, then after 1 and 2 months; Pay in 4: first payment at purchase, then after 1, 2, and 3 months | ||
| 8 | Tamara | 6.5 | omnichannel | 3, 4, 6, 9, 12, and 24 months | ||
| 9 | Zilch | 6.5 | Yes | omnichannel | Pay over 6 weeks; Pay over 3 months; Pay over 6 months; Pay over 12 months | |
| 10 | Affirm | 5.6 | Yes | omnichannel | 4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments | |
| 11 | Aplazo | 5.6 | Yes | omnichannel | 1, 3, 5, 8, or up to 12 biweekly installments | |
| 12 | Katapult | 5.6 | omnichannel | weekly, bi-weekly, semi-monthly, or monthly | ||
| 13 | Klarna | 5.6 | omnichannel | Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available | ||
| 14 | Kueski Pay | 5.6 | Yes | omnichannel | 2, 4, 6, 8, 10, or 12 biweekly installments; seasonal promotions may offer 2 or 4 installments without interest | |
| 15 | Oney | 5.6 | Yes | omnichannel | 3, 4, 6, 10, and 12 installments; financing up to 60 months | |
| 16 | Sezzle | 5.6 | Yes | omnichannel | Pay in 4: 25% down payment plus three payments every two weeks over six weeks; other options may run from 3 to 48 months | |
| 17 | Sunbit | 5.6 | Yes | omnichannel | 3, 6, and 12 months; 6–72 months available for Dental Care | |
| 18 | Zip | 5.6 | Yes | omnichannel | 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms | |
| 19 | Addi | 5.5 | omnichannel | 1 to 6 installments; 6 to 24 installments | ||
| 20 | FLOA | 5.5 | omnichannel | 3X, 4X, 10X or more | ||
| 21 | Riverty | 5.5 | omnichannel | 14 days; 30 days; monthly invoice; 3 equal payments over 60 or 90 days; fixed installments over 3, 6, 12, or 24 months | ||
| 22 | Mondu | 5.4 | omnichannel | 30, 45, 60 or 90 days; installments over 3, 6 or 12 months | ||
| 23 | Snapmint | 5.4 | omnichannel | 3 months; 6 months; 9 months | ||
| 24 | Splitit | 5.4 | omnichannel | monthly; biweekly; partial installments; pay after delivery; up to 12 installments | ||
| 25 | Payflex | 5.2 | No | omnichannel | Pay in 2 over 2 paydays; Pay in 3 over 3 paydays; Pay in 4 over 6 weeks; Pay Now in one payment |
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Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
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