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Buy now pay later software

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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.
  1. Laterpay
    Laterpay is a service that simplifies payments on the Internet. In addition to the classic immediate purchase option, Laterpay also allows you to buy digital content such as articles or videos now and pay later.
  2. Fundiin
    Fundiin is the BNPL leader in Vietnam in providing zero-cost buy-now-pay-later facilities.
  3. Pay It Later
    Pay It Later collect payments in weekly instalments from you when you make a purchase online, so you can buy now and pay it later.
  4. Postpay
    Postpay is a payment solution that allows you to split your purchase amount into instalments.
  5. LayBuy
    Laybuy is a payment service that lets you receive your purchase now and spread the total cost over 6 weekly automatic payments interest free.
  6. Shop Pay Installments
    Shop Pay Installments allows customers to pay for orders between 50 USD and 3,000 USD in 4 interest-free installments.
  7. Soisy
    Soisy is a buy now, pay later solution provider.
  8. etika
    etika is a fintech company based in Manchester which provide buy now pay later solution.
  9. Oney
    Oney is an app that gives consumers back the power over their spending and makes split payments universal.
  10. ZoodPay
  11. Payl8r
    PayL8r.com offers repayment plans and online finance which allow you to purchase products online.
  12. PayJustNow
    PayJustNow is a buy now, pay later checkout option for ecommerce sites.
  13. cashew
    Cashew is a buy now, pay later platform that allows its customers to shop now and pay later in equal monthly installments.
  14. Stage Try
    Stage Try is an end-to-end ecommerce platform amplifying AOV and conversions of online stores.