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Alternatives · 2026

The best Payflex alternatives

The rest of Best Buy Now, Pay Later Platforms, in this site's order: each with what it costs, where it runs and its record score.

1
Atome

Atome may suit mobile-first shoppers in Singapore or Malaysia who want to split purchases at participating retailers.

AndroidiPhone & iPadWeb+1 0.75 SGD a month Record5.7 Visit
2
Klarna

Klarna may suit shoppers seeking payment choices at checkout and retailers looking to add payment options across online, app, or in-person channels.

AndroidiPhone & iPadWeb+1 $4.99 a month Record5.7 Visit
3
Tamara

Tamara suits shoppers in its supported markets who want installment payment options at participating stores.

AndroidiPhone & iPadWeb 19 AED a month Record5.6 Visit
4
Zilch

Zilch suits UK residents aged 18 or over who want app-based payment choices and Rewards, subject to eligibility.

AndroidiPhone & iPadWeb £2.99 a month Record5.4 Visit
5
Scalapay

Scalapay suits shoppers who want to divide eligible purchases into instalments and merchants seeking an instalment payment option for online or…

AndroidiPhone & iPadWeb+1 Free plan Record5.3 Visit
6
Sezzle

It suits shoppers in the United States or Canada looking for installment payment options, and merchants seeking checkout integrations.

AndroidiPhone & iPadWeb+1 $13.99 a month Record5.3 Visit
7 AndroidiPhone & iPadWeb+1 Free plan Record5.0 Visit
8
Tabby

Tabby suits shoppers in Saudi Arabia, the UAE, and Kuwait who want payment-splitting options and tools for tracking deals and upcoming payments.

AndroidiPhone & iPadWeb+1 Free plan Record5.0 Visit
9
ViaBill

ViaBill suits shoppers seeking installment payments at selected online stores and merchants looking to add installment checkout.

AndroidiPhone & iPadWeb+1 Free plan Record5.0 Visit
10 AndroidiPhone & iPadWeb+2 Free plan Record5.0 Visit
11
Afterpay

It suits eligible shoppers who want to split partner-brand purchases into installments and manage payments in an app.

AndroidiPhone & iPadWeb+1 Free plan Record4.8 Visit
12
Aplazo

It suits shoppers in Mexico who want installment payment options at participating stores without a credit card.

AndroidiPhone & iPadWeb+1 Free plan Record4.8 Visit
13
Kueski Pay

It suits adults who are Mexican nationals residing in Mexico and have a valid voter ID or Mexican passport.

AndroidiPhone & iPadWeb+1 Free plan Record4.8 Visit
14
Oney

Oney is aimed at retailers seeking payment and credit options across online, in-store, and other sales channels.

AndroidiPhone & iPadWeb+1 Free plan Record4.8 Visit
15
Sunbit

Sunbit may suit customers seeking installment financing for listed services and merchants looking to add pay-over-time checkout.

AndroidiPhone & iPadWeb Free plan Record4.8 Visit
16
Affirm

It suits shoppers seeking installment payment options and merchants adding financing to online or omnichannel checkout.

AndroidiPhone & iPadWeb+2 Free plan Record4.7 Visit
17 AndroidiPhone & iPadWeb €1.25 a month Record4.6 Visit
18
Billie

Billie suits merchants selling to businesses through online, phone or in-person channels who want to offer invoice payment, installments or pay-later…

AndroidiPhone & iPadWeb — Record4.5 Visit
19
PayJustNow

PayJustNow suits South African shoppers who meet the Pay in 3 signup requirements and want to split purchases at participating retailers.

AndroidiPhone & iPadWeb — Record4.3 Visit
20 AndroidiPhone & iPadWeb — Record4.2 Visit
21
Katapult

It suits shoppers seeking lease-to-own options and retailers adding omnichannel checkout.

AndroidiPhone & iPadWeb+1 — Record4.2 Visit
22 WebAPI — Record3.7 Visit
23 WebAPI — Record3.7 Visit
24 WebAPI — Record3.7 Visit