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Best Buy Now, Pay Later Platforms in 2026
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.
- 26 apps
- Research read 23 Sept 2026
- How the order is worked out
- 1
Affirm
Free plan AndroidAPIExtension+2Affirm offers both short-term split payments and monthly installment options, with consumer apps and merchant integration paths.
- 2
Afterpay
Free plan AndroidAPIiPhone+1Afterpay offers shoppers installment payments and payment-management features, while retailers can add checkout across several channels.
- 3
Atome
Free plan AndroidAPIiPhone+1Atome offers a no-interest three-payment option at participating merchants, along with longer plans that may include a fee.
- 4
Klarna
Free plan AndroidAPIiPhone+1Klarna combines merchant checkout options with consumer payment choices and a free shopper app.
- 5
Kueski Pay
Free plan AndroidAPIiPhone+1Kueski Pay combines installment payments for eligible Mexican customers with merchant checkout integrations and a single-payment merchant settlement.
- 6
Aplazo
Free plan AndroidAPIiPhone+1Aplazo provides several ways to pay at participating Mexican stores, with plan details shown before purchase confirmation.
- 7
Riverty
Free plan AndroidAPIiPhone+1Riverty combines merchant checkout options with consumer payment management and business financial products. Merchants should confirm pricing for their setup and integration before proceeding.
- 8
Scalapay
Free plan AndroidAPIiPhone+1Scalapay offers instalment payments across online and physical store channels, with plugins and API documentation for merchants.
- 9
Sezzle
Free plan AndroidAPIiPhone+1Sezzle offers several installment schedules for shoppers and a range of checkout integration options for merchants.
- 10
Oney
Free plan AndroidAPIiPhone+1Oney combines payment options with credit, insurance, and fraud-prevention solutions for retailers.
- 11
Tabby
Free plan AndroidAPIiPhone+1Tabby combines shopper payment options with deals and merchant checkout channels in the markets it serves.
- 12
ViaBill
Free plan AndroidAPIiPhone+1ViaBill offers shoppers a defined four-payment option and merchants several integration paths. Review the plan terms and region-specific merchant fees before choosing it.
- 13
Sunbit
Free plan AndroidiPhoneWebSunbit connects consumer payment plans with merchant checkout and reporting tools across several service categories.
- 14
Zip
Free plan AndroidAPIExtension+2Zip offers merchants multiple checkout channels and integration routes, alongside an app with scheduled installments for customers.
- 15
Tamara
Free plan AndroidiPhoneWebTamara offers installment checkout for consumers and multiple payment channels and integrations for merchants.
- 16
Zilch
Free plan AndroidiPhoneWebZilch combines payment choices and Rewards with an app and card, while eligibility and fees apply to credit and some payment options.
- 17
Addi
Paid AndroidiPhoneWebChoose Addi if you are a consumer in Colombia seeking installment credit or a merchant wanting to offer it at checkout.
- 18
Billie
Paid AndroidiPhoneWebBillie combines merchant payment options with buyer-selected terms and upfront merchant payment. Confirm the pricing and terms for the specific payment product, channel, and region you plan to use.
- 19
FLOA
Paid AndroidiPhoneWebFLOA combines installment checkout, consumer financing, cards, and insurance. Its fit depends on merchant platform, consumer region, and approval for credit products.
- 20
Katapult
Paid AndroidAPIiPhone+1Retailers seeking lease-to-own checkout across supported online platforms and store locations may find Katapult a fit, especially if next-day settlement and upfront retailer payment matter.
- 21
PayJustNow
Paid AndroidiPhoneWebPayJustNow offers two instalment schedules for purchases at participating South African retailers, with the terms differing between Pay in 3 and Pay in 12.
- 22
Mondu
Paid APIWebMondu offers several B2B payment methods and integration routes, including an option for offline sales.
- 23
Payflex
Paid AndroidAPIiPhone+1Payflex combines consumer instalments with merchant integrations and upfront settlement.
- 24
Snapmint
Paid APIWebSnapmint Business combines installment checkout choices with upfront merchant settlement, with options for UPI and cardless applications.
- 25
Alma
Paid WebAlma gives merchants several repayment schedules, platform integrations, and scheduled settlement. The Standard offer avoids setup and monthly fees but still charges transaction commissions.
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#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price
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