Best Alma Alternatives in 2026
The top Alma alternatives are Klarna, Affirm and Afterpay: 15 buy now, pay later platforms our editors would look at instead of Alma, in our ranking order.
Alma: A merchant-focused BNPL platform with omnichannel checkout and scheduled settlement. Where it falls short: transaction commissions apply to the standard offer.
Switching from Alma? For most buy now, pay later platforms buyers the best Alma alternative is Klarna, built for global omnichannel merchants. Affirm has a free plan, which Alma does not.
Why People Look for an Alma Alternative
- Transaction commissions apply to the Standard offer
- 10- and 12-part installments are subject to eligibility
- Custom pricing is aimed at merchants above €1 million in revenue
- No free plan — 7 of the alternatives below have it
Quick Picks by What You Need
- Best overallKlarna9.4
Global omnichannel merchants
Visit Klarna - Best free optionAffirm9.3
Has a free plan (Alma has none)
Visit Affirm
All 15 Alma Alternatives, Ranked
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.
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Best forGlobal omnichannel merchants
- Better than Alma:
- Editor score 9.4 vs 8.4
A broad omnichannel BNPL option with contract-based pricing and country-dependent availability.
9.4/10★★★★★Visit Klarna -
Best forMerchants needing flexible financing
- Better than Alma:
- Free plan
- Editor score 9.3 vs 8.4
A flexible BNPL option for merchants needing online, in-store, and longer-term financing.
9.3/10★★★★★Visit Affirm -
Best forFive-market omnichannel retailers
- Better than Alma:
- Free plan
- Editor score 9.2 vs 8.4
An omnichannel BNPL platform with flexible repayment terms and merchant reporting.
9.2/10★★★★★Visit Afterpay -
Best forUS, Australian, and NZ merchants
- Better than Alma:
- Free plan
- Editor score 9.1 vs 8.4
An omnichannel BNPL platform for merchants needing flexible repayments and settlement tools.
9.1/10★★★★★Visit Zip -
Best forEstablished European merchants
- Better than Alma:
- Free plan
- Editor score 9.0 vs 8.4
A European BNPL provider for merchants needing omnichannel financing options.
9.0/10★★★★☆Visit Oney -
Best forWhite-label card-linked installments
- Better than Alma:
- Editor score 8.9 vs 8.4
A flexible BNPL platform for branded, card-linked installments across sales channels.
8.9/10★★★★☆Visit Splitit -
Best forGulf-region omnichannel merchants
- Better than Alma:
- Free plan
- Editor score 8.8 vs 8.4
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
- Better than Alma:
- Free plan
- Editor score 8.7 vs 8.4
A flexible BNPL option for US and Canadian merchants with omnichannel checkout.
8.7/10★★★★☆Visit Sezzle -
Best forSaudi and Gulf merchants
- Better than Alma:
- Editor score 8.6 vs 8.4
A Gulf-focused BNPL platform with omnichannel checkout, integrations, and merchant tools.
8.6/10★★★★☆Visit Tamara -
Best forNorthern and Central European merchants
- Better than Alma:
- Editor score 8.5 vs 8.4
A broad European BNPL platform with flexible payment options and sales-led pricing.
8.5/10★★★★☆Visit Riverty -
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
- Better than Alma:
- Free plan
A Singapore- and Malaysia-focused BNPL option with online, QR, and API checkout.
7.9/10★★★★☆Visit Atome
Alma Alternatives: Common Questions
What is the best alternative to Alma?
Klarna: #1 in our Buy Now, Pay Later Platforms ranking, with an editor score of 9.4 out of 10. A broad omnichannel BNPL option with contract-based pricing and country-dependent availability.
Is there a free alternative to Alma?
Yes. Affirm, Afterpay, Zip, Oney and Tabby have a free plan or a free tier (7 of the 15 alternatives on this page).
Why do people look for Alma alternatives?
Transaction commissions apply to the Standard offer; 10- and 12-part installments are subject to eligibility; Custom pricing is aimed at merchants above €1 million in revenue.
How do I switch from Alma?
Export your data from Alma (most tools have an export in their settings). Sign up for the alternative; start on its free plan or trial if it has one. Import your export and set up the integrations your team relies on. Run both side by side for a short while, then cancel Alma.
How to Switch from Alma
- Export your data from Alma (most tools have an export in their settings).
- Sign up for the alternative; start on its free plan or trial if it has one.
- Import your export and set up the integrations your team relies on.
- Run both side by side for a short while, then cancel Alma.
Alma vs Each Alternative
| # | Tool | Free plan | Paid from | Checkout channels | Repayment terms | Merchant platforms | Merchant settlement | Score |
|---|---|---|---|---|---|---|---|---|
| 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 | |
| 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 | 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 | ||
| 12 | FLOA | Omnichannel | 3X, 4X, 10X or more | Magento, PrestaShop, WooCommerce, Shopify, Adobe Commerce | 8.2 | |||
| 13 | 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 | ||
| 14 | 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 | ||
| 15 | 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 |
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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