Best Buy Now, Pay Later Platforms in 2026
Updated
Buy now, pay later platforms bring together a customer’s checkout choice and a merchant’s payment operations. Compared on checkout channels and consumer regions, the entries also show merchant platforms, dashboard availability, and settlement details. Repayment terms help distinguish how customers pay over time, while free-plan availability and paid-from pricing give additional context on merchant costs. Tabby, Atome, and Afterpay are among the listed platforms, alongside Aplazo and Sunbit. Consider the sales channels and regions that matter to your business, then weigh the merchant tools and settlement details against the repayment arrangements you need to support.
26ranked
6free plans on this page
€1.25/molowest paid tier
10 Oct 2026last checked
Input list Buy Now, Pay Later Platforms 25 channels on this page · 152 of 200 spec lines stated by the makers
Ch Tool Free planPaid fromCheckout channelsRepayment termsMerchant platformsMerchant settlementConsumer regionsMerchant dashboard Spec sheet Score
01 Tamara Free planPaid fromCheckout channelsomnichannelRepayment terms3, 4, 6, 9, 12, and 24 monthsMerchant platformsShopify, WooCommerce, Magento, Salla, Zid, Salesforce Commerce Cloud, Paymob, OpenCart, ExpandCart, Geidea, Network InternationalMerchant settlementscheduledConsumer regionsSaudi Arabia, United Arab Emirates, Kuwait, BahrainMerchant dashboardYes 6/8spec lines stated 7.6
02 ViaBill Free planPaid fromCheckout channelsomnichannelRepayment terms4 installments: first at purchase, then three monthly paymentsMerchant platformsShopify, WooCommerce, Magento, PrestaShop, Drupal, VirtueMart, Ucommerce, Sitecore, OpenCart, UmbracoMerchant settlementscheduledConsumer regionsDenmark, United States, SpainMerchant dashboardYes 6/8spec lines stated 7.4
03 Scalapay Free planPaid fromCheckout channelsomnichannelRepayment termsPay 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 monthsMerchant platformsBigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1, Magento 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX, WooCommerceMerchant settlementscheduledConsumer regionsAustria, Belgium, Finland, France, Germany, Italy, Netherlands, Portugal, Spain, Mayotte, Réunion, French Guiana, Martinique, GuadeloupeMerchant dashboardYes 6/8spec lines stated 7.3
04 Tabby Free planYesPaid fromCheckout channelsomnichannelRepayment terms4 interest-free payments; up to 12 monthly payments; longer Saudi Arabia plans up to 12 monthly paymentsMerchant platformsShopify, Salla, Zid, WooCommerce, Magento 2, OpenCart, Matjrah, Salesforce, ExpandCartMerchant settlementscheduledConsumer regionsSaudi Arabia, United Arab Emirates, KuwaitMerchant dashboardYes 7/8spec lines stated 7.3
05 Atome Free planYesPaid fromCheckout channelsomnichannelRepayment termsPay-in-3: first payment at purchase, remaining payments monthly; Pay-in-6: first payment one day after purchase, remaining payments every 30 daysMerchant platformsEasy Store; Magento 1 & 2; OpenCart; Salesforce SFRA; Salesforce Site Genesis; Shopify; Wix; WooCommerce; open APIMerchant settlementConsumer regionsSingapore; MalaysiaMerchant dashboardYes 6/8spec lines stated 7.2
06 Billie Free planPaid fromCheckout channelsomnichannelRepayment terms7 to 120 days; 30 to 120 days for buyer-facing pay-later terms; installments; pay on accountMerchant platformsKlarna, Adyen, Stripe, Kustom, Mollie, Shopware, JTL, WooCommerceMerchant settlementsame dayConsumer regionsGermany, France, Netherlands, Sweden, Norway, Finland, Austria, Spain, Denmark, Switzerland, United KingdomMerchant dashboardYes 6/8spec lines stated 7.2
07 PayJustNow Free planNoPaid fromCheckout channelsomnichannelRepayment terms3 instalments; 12 monthsMerchant platformsShopify; Magento; WooCommerce; Salesforce Commerce Cloud; PrestaShop; Salesforce ShopstarMerchant settlementConsumer regionsSouth AfricaMerchant dashboardYes 6/8spec lines stated 7.2
08 Zilch Free planYesPaid fromCheckout channelsomnichannelRepayment termsPay over 6 weeks; Pay over 3 months; Pay over 6 months; Pay over 12 monthsMerchant platformsMerchant settlementscheduledConsumer regionsUnited Kingdom; United StatesMerchant dashboard 5/8spec lines stated 7.2
09 Afterpay Free planYesPaid fromCheckout channelsomnichannelRepayment termsPay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 monthsMerchant platformsSquare, Magento, Shopify, WooCommerceMerchant settlementscheduledConsumer regionsAustralia, Canada, New Zealand, United Kingdom, United StatesMerchant dashboardYes 7/8spec lines stated 7.1
10 Klarna Free planPaid fromCheckout channelsomnichannelRepayment termsPay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where availableMerchant platformsShopify, Adobe Commerce, Salesforce Commerce, WooCommerceMerchant settlementscheduledConsumer regionsAustralia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden, Switzerland, United Kingdom, United StatesMerchant dashboardYes 6/8spec lines stated 7.1
11 Aplazo Free planYesPaid fromCheckout channelsomnichannelRepayment terms1, 3, 5, 8, or up to 12 biweekly installmentsMerchant platformsPrestaShopMerchant settlementsame dayConsumer regionsMexicoMerchant dashboardYes 7/8spec lines stated 7.0
12 Katapult Free planPaid fromCheckout channelsomnichannelRepayment termsweekly, bi-weekly, semi-monthly, or monthlyMerchant platformsMagento, Shopify, WooCommerce, Salesforce Commerce CloudMerchant settlementnext dayConsumer regionsUnited States: 46 states and the District of ColumbiaMerchant dashboardYes 6/8spec lines stated 7.0
13 Sunbit Free planYesPaid fromCheckout channelsomnichannelRepayment terms3, 6, and 12 months; 6–72 months available for Dental CareMerchant platformsStripeMerchant settlementscheduledConsumer regionsUnited States, excluding U.S. territoriesMerchant dashboardYes 7/8spec lines stated 7.0
14 Oney Free planYesPaid fromCheckout channelsomnichannelRepayment terms3, 4, 6, 10, and 12 installments; financing up to 60 monthsMerchant platformsPrestaShop, Magento 2, SalesforceMerchant settlementConsumer regionsFrance, Italy, Portugal, Spain, Romania, Belgium, Netherlands, GermanyMerchant dashboardYes 6/8spec lines stated 6.9
15 Sezzle Free planYesPaid fromCheckout channelsomnichannelRepayment termsPay in 4: 25% down payment plus three payments every two weeks over six weeks; other options may run from 3 to 48 monthsMerchant platformsShopify, Shopify Plus, WooCommerce, Commercold, BigCommerce, Magento, Salesforce, WixMerchant settlementscheduledConsumer regionsUnited States and CanadaMerchant dashboardYes 7/8spec lines stated 6.9
16 Addi Free planPaid fromCheckout channelsomnichannelRepayment terms1 to 6 installments; 6 to 24 installmentsMerchant platformsJumpseller, Shopify, WooCommerce, Magento, Tienda Nube, Sumer, VTEX, PrestashopMerchant settlementscheduledConsumer regionsColombiaMerchant dashboardYes 6/8spec lines stated 6.8
17 Affirm Free planYesPaid fromCheckout channelsomnichannelRepayment terms4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly paymentsMerchant platformsAdobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, VolusionMerchant settlementConsumer regionsUnited States, Canada, United KingdomMerchant dashboardYes 6/8spec lines stated 6.8
18 FLOA Free planPaid fromCheckout channelsomnichannelRepayment terms3X, 4X, 10X or moreMerchant platformsMagento, PrestaShop, WooCommerce, Shopify, Adobe CommerceMerchant settlementConsumer regionsFrance, Spain, Italy, Portugal, BelgiumMerchant dashboard 4/8spec lines stated 6.8
19 Kueski Pay Free planYesPaid fromCheckout channelsomnichannelRepayment terms2, 4, 6, 8, 10, or 12 biweekly installments; seasonal promotions may offer 2 or 4 installments without interestMerchant platformsShopify, VTEX, WooCommerce, PrestaShop, Magento, Tienda Nube, SDKMerchant settlementConsumer regionsMexicoMerchant dashboardYes 6/8spec lines stated 6.8
20 Payflex Free planNoPaid fromCheckout channelsomnichannelRepayment termsPay in 2 over 2 paydays; Pay in 3 over 3 paydays; Pay in 4 over 6 weeks; Pay Now in one paymentMerchant platformsShopify; Magento; WordPress WooCommerce; custom websites via APIMerchant settlementConsumer regionsSouth AfricaMerchant dashboardYes 6/8spec lines stated 6.8
21 Riverty Free planPaid fromCheckout channelsomnichannelRepayment terms14 days; 30 days; monthly invoice; 3 equal payments over 60 or 90 days; fixed installments over 3, 6, 12, or 24 monthsMerchant platformsShopify; Magento; WooCommerce; Shopware; PrestaShop; Lightspeed; JTL; OXID eSales; Myshop; Divide.oMerchant settlementscheduledConsumer regionsGermany; Austria; Switzerland; Netherlands; Belgium; Sweden; Finland; Norway; DenmarkMerchant dashboardYes 6/8spec lines stated 6.8
22 Zip Free planYesPaid fromCheckout channelsomnichannelRepayment terms2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free termsMerchant platformsBigCommerce; Magento 2; Salesforce; Shopify; WooCommerceMerchant settlementscheduledConsumer regionsUnited States; Australia; New ZealandMerchant dashboardYes 7/8spec lines stated 6.8
23 Snapmint Free planPaid fromCheckout channelsomnichannelRepayment terms3 months; 6 months; 9 monthsMerchant platformsShopify; Razorpay Checkout; Cashfree One Click CheckoutMerchant settlementscheduledConsumer regionsIndiaMerchant dashboard 5/8spec lines stated 6.6
24 Splitit Free planPaid fromCheckout channelsomnichannelRepayment termsmonthly; biweekly; partial installments; pay after delivery; up to 12 installmentsMerchant platformsBigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce CloudMerchant settlementnext dayConsumer regions100+ countriesMerchant dashboardYes 6/8spec lines stated 6.6
25 Mondu Free planPaid fromCheckout channelsomnichannelRepayment terms30, 45, 60 or 90 days; installments over 3, 6 or 12 monthsMerchant platformsShopify, Shopware 5, Shopware 6, Magento 2, WooCommerce, JTL, Stripe and REST APIMerchant settlementscheduledConsumer regionsAustria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Croatia, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and the United KingdomMerchant dashboardYes 6/8spec lines stated 6.5
Compare all 25 in a table
| # | Tool | Score | Free plan | Paid from | Checkout channels | Repayment terms |
|---|---|---|---|---|---|---|
| 1 | Tamara | 7.6 | omnichannel | 3, 4, 6, 9, 12, and 24 months | ||
| 2 | ViaBill | 7.4 | omnichannel | 4 installments: first at purchase, then three monthly payments | ||
| 3 | Scalapay | 7.3 | 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 | ||
| 4 | Tabby | 7.3 | Yes | omnichannel | 4 interest-free payments; up to 12 monthly payments; longer Saudi Arabia plans up to 12 monthly payments | |
| 5 | Atome | 7.2 | 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 | |
| 6 | Billie | 7.2 | omnichannel | 7 to 120 days; 30 to 120 days for buyer-facing pay-later terms; installments; pay on account | ||
| 7 | PayJustNow | 7.2 | No | omnichannel | 3 instalments; 12 months | |
| 8 | Zilch | 7.2 | Yes | omnichannel | Pay over 6 weeks; Pay over 3 months; Pay over 6 months; Pay over 12 months | |
| 9 | Afterpay | 7.1 | Yes | omnichannel | Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months | |
| 10 | Klarna | 7.1 | omnichannel | Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available | ||
| 11 | Aplazo | 7.0 | Yes | omnichannel | 1, 3, 5, 8, or up to 12 biweekly installments | |
| 12 | Katapult | 7.0 | omnichannel | weekly, bi-weekly, semi-monthly, or monthly | ||
| 13 | Sunbit | 7.0 | Yes | omnichannel | 3, 6, and 12 months; 6–72 months available for Dental Care | |
| 14 | Oney | 6.9 | Yes | omnichannel | 3, 4, 6, 10, and 12 installments; financing up to 60 months | |
| 15 | Sezzle | 6.9 | 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 | |
| 16 | Addi | 6.8 | omnichannel | 1 to 6 installments; 6 to 24 installments | ||
| 17 | Affirm | 6.8 | Yes | omnichannel | 4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments | |
| 18 | FLOA | 6.8 | omnichannel | 3X, 4X, 10X or more | ||
| 19 | Kueski Pay | 6.8 | Yes | omnichannel | 2, 4, 6, 8, 10, or 12 biweekly installments; seasonal promotions may offer 2 or 4 installments without interest | |
| 20 | Payflex | 6.8 | 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 | |
| 21 | Riverty | 6.8 | 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 | Zip | 6.8 | Yes | omnichannel | 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms | |
| 23 | Snapmint | 6.6 | omnichannel | 3 months; 6 months; 9 months | ||
| 24 | Splitit | 6.6 | omnichannel | monthly; biweekly; partial installments; pay after delivery; up to 12 installments | ||
| 25 | Mondu | 6.5 | omnichannel | 30, 45, 60 or 90 days; installments over 3, 6 or 12 months |
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