The Best Buy Now, Pay Later Platforms in 2026
We researched buy now, pay later platforms from official websites, including pricing pages, plan tables and product documentation. Rankings reflect each platform’s core checkout financing job, value for money and verified features, helping merchants compare consumer payment options and operational coverage in the category itself.
Our top picks
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Top ranked
Klarna#1 of 269.4/10A broad omnichannel BNPL option with contract-based pricing and country-dependent availability.
Pricing on request
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Runner-up
Affirm#2 of 269.3/10A flexible BNPL option for merchants needing online, in-store, and longer-term financing.
Pricing on request
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Top-ranked free plan
Afterpay#3 of 269.2/10An omnichannel BNPL platform with flexible repayment terms and merchant reporting.
Pricing on request
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 26 tools, best first
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Best forGlobal omnichannel merchants
A broad omnichannel BNPL option with contract-based pricing and country-dependent availability.
9.4/10★★★★★Visit Klarna -
Best forMerchants needing flexible financing
A flexible BNPL option for merchants needing online, in-store, and longer-term financing.
9.3/10★★★★★Visit Affirm -
Best forFive-market omnichannel retailers
An omnichannel BNPL platform with flexible repayment terms and merchant reporting.
9.2/10★★★★★Visit Afterpay -
Best forUS, Australian, and NZ merchants
An omnichannel BNPL platform for merchants needing flexible repayments and settlement tools.
9.1/10★★★★★Visit Zip -
Best forEstablished European merchants
A European BNPL provider for merchants needing omnichannel financing options.
Free plan · pricing on request Our Oney verdict → Visit OneyFor vendors Sponsor this spot · #5 · $59/mo →9.0/10★★★★☆Visit Oney -
Best forWhite-label card-linked installments
A flexible BNPL platform for branded, card-linked installments across sales channels.
8.9/10★★★★☆Visit Splitit -
Best forGulf-region omnichannel merchants
A broad omnichannel BNPL platform for merchants selling across Saudi Arabia, the UAE and Kuwait.
8.8/10★★★★☆Visit Tabby -
Best forUS and Canadian ecommerce merchants
A flexible BNPL option for US and Canadian merchants with omnichannel checkout.
8.7/10★★★★☆Visit Sezzle -
Best forSaudi and Gulf merchants
A Gulf-focused BNPL platform with omnichannel checkout, integrations, and merchant tools.
8.6/10★★★★☆Visit Tamara -
Best forNorthern and Central European merchants
A broad European BNPL platform with flexible payment options and sales-led pricing.
8.5/10★★★★☆Visit Riverty -
Best forFrench and Western European merchants
A merchant-focused BNPL platform with omnichannel checkout and scheduled settlement.
8.4/10★★★★☆Visit Alma -
Best forEuropean retailers needing broad plugins
A broad European BNPL platform with plugins, APIs, and omnichannel checkout.
8.3/10★★★★☆Visit Scalapay -
Best forFrench merchants wanting white-label credit
A French-focused BNPL platform for white-label, omnichannel merchant financing.
8.2/10★★★★☆Visit FLOA -
Best forB2B merchants needing invoice financing
A specialized B2B payment option with upfront settlement and credit-risk protection.
8.1/10★★★★☆Visit Billie -
Best forEuropean B2B invoice payments
A European B2B payments platform combining deferred invoices, installments and trade accounts.
8.0/10★★★★☆Visit Mondu -
Best forSingapore and Malaysia merchants
A Singapore- and Malaysia-focused BNPL option with online, QR, and API checkout.
7.9/10★★★★☆Visit Atome -
Best forUS lease-to-own ecommerce
A focused lease-to-own option for US ecommerce and in-store checkout.
7.7/10★★★★☆Visit Katapult -
Best forUS merchants needing long-term plans
A focused BNPL platform for US merchants offering flexible, long-term payment plans.
7.6/10★★★★☆Visit Sunbit -
Best forMexican omnichannel merchants
A Mexico-focused BNPL option for merchants selling online and in stores.
7.5/10★★★★☆Visit Kueski Pay -
Best forColombian omnichannel merchants
A flexible BNPL option for Colombian merchants selling online, in stores, and through WhatsApp.
7.3/10★★★★☆Visit Addi -
Best forIndian merchants using UPI EMI
A focused Indian BNPL option with UPI EMI, cardless checkout, and T+2 settlement.
7.0/10★★★★☆Visit Snapmint -
Best forSouth African merchants needing installments
A South African BNPL option with omnichannel checkout and broad merchant integrations.
6.9/10★★★☆☆Visit PayJustNow -
Best forSouth African Shopify merchants
A flexible South African BNPL option for Shopify merchants with multiple checkout paths.
6.8/10★★★☆☆Visit Payflex -
Best forMerchants needing simple four-part payments
ViaBill gives merchants four-installment checkout financing with online and QR payment options.
6.7/10★★★☆☆Visit ViaBill -
Best forUK and US consumer checkout
Zilch combines six-week instalments, longer monthly terms, and omnichannel checkout.
6.6/10★★★☆☆Visit Zilch -
Best forMexican PrestaShop merchants
Aplazo fits Mexican PrestaShop merchants needing online, QR and biweekly payment options.
6.5/10★★★☆☆Visit Aplazo
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Checkout channels | Repayment terms | Merchant platforms | Merchant settlement | Score |
|---|---|---|---|---|---|---|---|---|
| 1 | Klarna | Omnichannel | Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available | Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce | Scheduled | 9.4 | ||
| 2 | Affirm | Yes | Omnichannel | 4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments | Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion | 9.3 | ||
| 3 | Afterpay | Yes | Omnichannel | Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months | Square, Magento, Shopify, WooCommerce | Scheduled | 9.2 | |
| 4 | Zip | Yes | Omnichannel | 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms | BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce | Scheduled | 9.1 | |
| 5 | Oney | Yes | Omnichannel | 3, 4, 6, 10, and 12 installments; financing up to 60 months | PrestaShop, Magento 2, Salesforce | 9.0 | ||
| 6 | Splitit | Omnichannel | monthly; biweekly; partial installments; pay after delivery; up to 12 installments | BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud | Next day | 8.9 | ||
| 7 | Tabby | Yes | Omnichannel | 4 interest-free payments; up to 12 monthly payments; longer Saudi Arabia plans up to 12 monthly payments | Shopify, Salla, Zid, WooCommerce, Magento 2, OpenCart, Matjrah, Salesforce, ExpandCart | Scheduled | 8.8 | |
| 8 | Sezzle | 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 | Shopify, Shopify Plus, WooCommerce, Commercold, BigCommerce, Magento, Salesforce, Wix | Scheduled | 8.7 | |
| 9 | Tamara | Omnichannel | 3, 4, 6, 9, 12, and 24 months | Shopify, WooCommerce, Magento, Salla, Zid, Salesforce Commerce Cloud, Paymob, OpenCart, ExpandCart, Geidea, Network International | Scheduled | 8.6 | ||
| 10 | Riverty | Omnichannel | 14 days; 30 days; monthly invoice; 3 equal payments over 60 or 90 days; fixed installments over 3, 6, 12, or 24 months | Shopify; Magento; WooCommerce; Shopware; PrestaShop; Lightspeed; JTL; OXID eSales; Myshop; Divide.o | Scheduled | 8.5 | ||
| 11 | Alma | No | Omnichannel | 2x, 3x, 4x, 10x, 12x, D+15, D+30 | Magento 1, Magento 2, PrestaShop, Shopify, Wizishop, WooCommerce, Salesforce Commerce Cloud, Proximis, WSHOP | Scheduled | 8.4 | |
| 12 | Scalapay | 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 | BigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1, Magento 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX, WooCommerce | Scheduled | 8.3 | ||
| 13 | FLOA | Omnichannel | 3X, 4X, 10X or more | Magento, PrestaShop, WooCommerce, Shopify, Adobe Commerce | 8.2 | |||
| 14 | Billie | Omnichannel | 7 to 120 days; 30 to 120 days for buyer-facing pay-later terms; installments; pay on account | Klarna, Adyen, Stripe, Kustom, Mollie, Shopware, JTL, WooCommerce | Same day | 8.1 | ||
| 15 | Mondu | Omnichannel | 30, 45, 60 or 90 days; installments over 3, 6 or 12 months | Shopify, Shopware 5, Shopware 6, Magento 2, WooCommerce, JTL, Stripe and REST API | Scheduled | 8.0 | ||
| 16 | Atome | 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 | Easy Store; Magento 1 & 2; OpenCart; Salesforce SFRA; Salesforce Site Genesis; Shopify; Wix; WooCommerce; open API | 7.9 | ||
| 17 | Katapult | Omnichannel | weekly, bi-weekly, semi-monthly, or monthly | Magento, Shopify, WooCommerce, Salesforce Commerce Cloud | Next day | 7.7 | ||
| 18 | Sunbit | Yes | Omnichannel | 3, 6, and 12 months; 6–72 months available for Dental Care | Stripe | Scheduled | 7.6 | |
| 19 | Kueski Pay | Yes | Omnichannel | 2, 4, 6, 8, 10, or 12 biweekly installments; seasonal promotions may offer 2 or 4 installments without interest | Shopify, VTEX, WooCommerce, PrestaShop, Magento, Tienda Nube, SDK | 7.5 | ||
| 20 | Addi | Omnichannel | 1 to 6 installments; 6 to 24 installments | Jumpseller, Shopify, WooCommerce, Magento, Tienda Nube, Sumer, VTEX, Prestashop | Scheduled | 7.3 | ||
| 21 | Snapmint | Omnichannel | 3 months; 6 months; 9 months | Shopify; Razorpay Checkout; Cashfree One Click Checkout | Scheduled | 7.0 | ||
| 22 | PayJustNow | No | Omnichannel | 3 instalments; 12 months | Shopify; Magento; WooCommerce; Salesforce Commerce Cloud; PrestaShop; Salesforce Shopstar | 6.9 | ||
| 23 | Payflex | 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 | Shopify; Magento; WordPress WooCommerce; custom websites via API | 6.8 | ||
| 24 | ViaBill | Omnichannel | 4 installments: first at purchase, then three monthly payments | Shopify, WooCommerce, Magento, PrestaShop, Drupal, VirtueMart, Ucommerce, Sitecore, OpenCart, Umbraco | Scheduled | 6.7 | ||
| 25 | Zilch | Yes | Omnichannel | Pay over 6 weeks; Pay over 3 months; Pay over 6 months; Pay over 12 months | Scheduled | 6.6 | ||
| 26 | Aplazo | Yes | Free | Omnichannel | 1, 3, 5, 8, or up to 12 biweekly installments | PrestaShop | Same day | 6.5 |
Head-to-head All 28 comparisons →
- Klarna vs Affirm
- Klarna vs Afterpay
- Klarna vs Zip
- Klarna vs Oney
- Klarna vs Splitit
- Klarna vs Tabby
- Klarna vs Sezzle
- Affirm vs Afterpay
- Affirm vs Zip
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How we rank buy now, pay later platforms
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update