Buy now pay later software
Updated at:Buy Now Pay Later (BNPL) is a payment option that allows consumers to purchase products now, and then pay for them in installments or one lump sum at a later date. Consumers typically pay no interest or fees and BNPL can also offer additional flexibility such as the ability to return items. This payment method is particularly popular among younger consumers, who may not be able to afford large purchases upfront.
This chart displays the market share of the top 10 Buy now pay later software in 2025, highlighting the most popular tools used by online merchants.1. Klarna Checkout leads with a notable 35.72% share.2. In second place, Affirm at 16.93% share.3. Meanwhile, Sezzle at 16.48% share.
- ZestMoney is a fintech company that uses digital EMI without the need for a credit card or a credit score.ZestMoney31-50 installs
- Openpay is an innovative online and in-store payment solution enabling you to purchase now and pay later, with no interest.OpenPay31-50 installs
- Humm (formerly Flexigroup) is a buy now pay later service operating in Australia.Humm31-50 installs
- PayBright is a Canadian fintech company that offers short-term interest-free installment loans for online shopping to consumers at checkout.PayBright21-30 installs
- Limepay is a buy now, pay later platform that's fully integrated with the merchant's payment platform.Limepay21-30 installs
- Mokka is a Buy Now Pay Later solution that connects target customer acquisition and settlement costs through marketing and promotion..Mokka11-20 installs
- Dividebuy provides retailer financing solutions.DivideBuy11-20 installs
- ChargeAfter is a platform that connects retailers and lenders to offer consumers personalized Point of Sale Financing options at checkout from multiple lenders.ChargeAfter11-20 installs
- PacePay offers a BNPL (Buy now pay later) solution for merchants.Pace11-20 installs
- Addi is a service that allows users to make purchases and pay for them in installments over timeAddi11-20 installs
- TryNow is an ecommerce platform designed to offer a try before you buy experience for shoppers.TryNow11-20 installs
- Payflex offers an online payment gateway solution to South African merchants that allows shoppers to pay over 6 weeks, interest-free.Payflex11-20 installs
- Divio is a Buy now pay later solution. Divido provided whitelabel platform connects lenders, retailers and channel partners at the point of saleDivido1-10 installs
- Simpl is a fintech company that offers a cardless payment network with multiple solutions for merchants and consumers.Simpl1-10 installs
- PayPal Credit is a reusable line of credit that lets you pay for online purchases over time.PayPal Credit1-10 installs
- Partial.ly payment plan software lets businesses offer customizable payment plans to their customers.Partial.ly
- Wizpay is a buy now pay later solution.Wizpay
- Spotii is a tech-enabled payments platform where anyone can Shop Now and Pay Later with absolutely zero interest or cost.Spotii
- SplittyPay is an alternative payment platform designed for group reservations and purchases.SplittyPay
- Paidy is basically a two-sided payments service, acting as a middleman between consumers and merchants in Japan.Paidy