Afterpay popularized the ‘buy‑now‑pay‑later’ (BNPL) model, allowing shoppers to split purchases into interest‑free installments. Below is a curated list of 20 comparable BNPL and payment‑facilitating platforms that merchants can consider as alternatives.
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Global BNPL leader offering pay‑in‑4, financing, and direct payments with a seamless checkout integration.
Provides transparent, fixed‑rate installment loans at checkout, with flexible terms ranging from 3 to 36 months.
Interest‑free split‑payment solution (4 installments) that emphasizes responsible spending and easy integration for e‑commerce.
Allows shoppers to split any purchase into 4 interest‑free payments, with a robust API for merchants across multiple channels.
PayPal’s BNPL product that lets customers pay for purchases over four interest‑free installments directly from their PayPal account.
The UK and Australian brand of Afterpay, offering the same interest‑free installment model with localized compliance.
Enables installment payments using the shopper’s existing credit card, without additional credit checks or interest.
Six‑installment, interest‑free payment plan focused on the Australian and New Zealand markets, with real‑time credit assessment.
Offers flexible payment plans (up to 24 months) for larger ticket items, with a focus on retail and healthcare sectors.
Combines BNPL with a budgeting tool, allowing users to pay for purchases over time while tracking cash flow.
Provides a “buy now, pay later” API that supports both interest‑free and interest‑bearing installment plans.
European BNPL provider offering 4‑installment interest‑free payments with a focus on compliance and fraud protection.
Australian BNPL platform offering interest‑free and low‑interest installment plans, especially for big‑ticket items.
Customizable installment payment solution that lets merchants design flexible payment schedules and down‑payment options.
Rent‑to‑own platform that allows customers to lease products with the option to purchase later, integrating with e‑commerce stores.
Offers both short‑term (4‑installment) and longer‑term financing options, with a focus on transparent terms and merchant-friendly fees.
Canadian BNPL provider delivering interest‑free and low‑interest installment plans for online and in‑store purchases.
French BNPL solution that lets shoppers split payments into 3‑4 installments, with a strong emphasis on compliance and data security.
Klarna’s longer‑term financing option (up to 36 months) for higher‑value purchases, complementing its standard pay‑in‑4 product.
European payment gateway offering a BNPL module that integrates with existing Mollie checkout flows for quick deployment.