Affirm Alternatives: Top 10 Buy Now Pay Later Platforms in 2025

Layby means you pay instalments and get the item once it's paid off. Buy now, pay later means you get the item straight away then pay it off. Consumer laws protect laybys but not buy now, pay later sales.

Comfi makes it easy to accept payments from customers without having to worry about the risks associated with such transactions. This underwriting and payments collection process is designed to protect from any potential losses. Through our connected data sources are able to accurately assess the creditworthiness of customers without the need to contact credit agencies, which means that their credit score will remain unaffected. With Comfi, user can confidently accept payments from customers without worrying about any risks.

Credit Key provides superior business credit solutions that can be integrated into a merchant’s shopping cart, keeping users on site. Credit Key’s patent-protected technology delivers quick and easy credit at the point of purchase. Currently, Credit Key supports the following platforms: Magento, IBM, Shopify, Demandware, Onestop, and custom .Net platforms.

Wisetack makes it easy for businesses to increase sales by offering consumer-friendly financing options. We have robust APIs for developers, an easy sign-up process for businesses, and a beautifully simple customer experience, all designed to make financing work better.

Klarna makes shopping smooth with the aim to become the world’s favorite way to shop. It offer products and services to consumers and retailers within payments, social shopping, and personal finances. It turns any purchase into smaller payments.

Four is a technology company that focuses on buy now, pay later and purchase specific financing options. Four operates in the space of eCommerce plugins that allow Retailers to empower their shoppers with payment options.

Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay is deeply committed to delivering positive outcomes for customers. It is focused on supporting our community of shoppers.

Splitit is a cutting-edge platform that enables the next generation of Buy Now, Pay Later (BNPL) solutions, specifically through its Installments-as-a-Service platform. Unlike traditional BNPL options, Splitit provides a powerful and effective solution for merchants to create branded installment plans, unlocking BNPL at the point of sale. Splitit helps businesses overcome the challenges associated with legacy BNPL solutions, while also providing a seamless and streamlined experience for card networks, issuers, and acquirers, all through a single network API. With its innovative platform, Splitit is transforming the world of BNPL by empowering merchants to offer flexible payment options to their customers, without the need for extensive integration or complicated software. By offering an intuitive, user-friendly platform that is easy to use, Splitit is poised to revolutionize the world of BNPL and transform the way merchants and customers think about payment solutions.

Sezzle makes managing the finances simple and stress-free. Shop the favorite brands like Amazon, Target, and Walmart while splitting payments over six weeks—with zero interest or fees. Sezzle helps to budget smarter and stay in control. Approval is fast and doesn’t impact a credit score, so one can start using Sezzle immediately, whether online or in-store. For businesses, Sezzle drives bigger basket sizes and higher conversions, while shoppers enjoy financial flexibility without the hassle. Seamlessly integrating with tools like Shopify and WooCommerce, Sezzle offers convenience for everyone. With the Sezzle Virtual Card and app, one can gain access to countless top brands while taking responsible steps toward financial freedom. At Sezzle, we believe financial freedom is a right, not a privilege. Start today to shop responsibly, stay on budget, and build a brighter financial future. Save now, pay later—Sezzle makes it possible.

Zip's merchants enjoy higher AOV and conversion, more repeat purchases, and immediate payment. It provides instant plug and play integration and frictionless UX. No API integration required. It offers seamless integration with popular tools like WooCommerce, Shopify, BigCommerce and much more.

PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your account with PayPal giving you the flexibility to pay for your purchases right away or pay over time. It's easy to apply, easy to use and there whenever you need it.