Best Buy Now, Pay Later Platforms in 2026

Klarna

Klarna suits shoppers who want payment choices at checkout and retailers seeking payment options across web, app, and in-person channels.

Scalapay

Scalapay suits merchants seeking instalment payments for online and physical checkout, and customers who want to spread eligible purchases over three or four payments.

Tabby

It suits shoppers in Saudi Arabia, the UAE and Kuwait looking for payment splitting and shopping tools, and businesses seeking to offer Tabby across sales channels.

ViaBill suits shoppers who want installment payments at selected stores and merchants seeking a buy-now-pay-later checkout option.

Afterpay

Pay in 4 is for eligible shoppers who want to split purchases at partner brands.

Billie

It suits merchants selling to businesses through online shops, marketplaces, digital platforms, telesales, or in-person sales.

Aplazo

APLAZO suits shoppers in Mexico who want to pay over time without a credit card at participating stores.

Tamara

Tamara suits shoppers in its listed consumer regions who want installment payment options at participating stores.

Affirm

It suits consumers seeking installment payments and merchants adding financing at checkout.

Katapult suits retailers seeking lease-to-own checkout and shoppers who want scheduled payment or purchase options.

Zilch suits UK residents aged 18 or over who want payment options through an app and card, subject to eligibility.

Oney

Oney suits retailers needing omnichannel payments, installment options, financing, insurance, or fraud prevention.

PayJustNow

PayJustNow suits South African shoppers who meet Pay in 3’s signup requirements and want to pay participating retailers in instalments.

Sunbit suits consumers seeking payment plans for listed everyday services and merchants seeking in-store, mobile, or online checkout financing.

Kueski Pay

Kueski Pay suits adults in Mexico who meet its eligibility requirements and want installment purchases without a credit card or down payment.