PayPal Credit 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.

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.

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.

At Affirm is using today’s technology to bring significant disruptive innovation to the financial industry. It focus on improving the lives of consumers by delivering simple, honest and transparent financial products. Affirm for merchants: offer customer financing and buy now pay later options for your business

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.

Payline is a payments solutions provider committed to giving the customers and partners an exceptional customer experience along with the tools and education they need to run their business. Seamlessly integrate with any online shopping cart, existing or new Point-of-Sale platform. Utilize a virtual terminal to key cards in, send invoices, securely encrypt and store data for recurring billing. Brick-and-mortar locations looking to get away from being plugged into the wall while maintaining the benefits. Take payments wherever you go while making it easy for your customers.

Paymill software is a platform used to accept payments through one online payment solution. Engage your customers with a checkout experience to increase conversions with a secure payment system. Integrate Paymill using REST API, eCommerce plugins, JavaScript bridge or mobile SDK. The software offers a built-in Fraud checks to ensure transactions are protected. Small, Medium and Large companies make use of the software.

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.

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.