Best Zip Alternatives in 2026

Updated October 2026

20 apps from buy now, pay later platforms ranked against Zip on the same published basis.

Zip alternatives compared

#	App	Score	Free plan	From	Runs on
1	Tabby	7.9	Free plan	Free	Android, API, iOS, Web
2	ViaBill	7.9	Free plan	Free	Android, API, iOS, Web
3	Afterpay	7.8	Free plan	Free	Android, API, iOS, Web
4	Atome	7.8	Free plan	Free	Android, API, iOS, Web
5	Billie	7.8			Android, iOS, Web
6	PayJustNow	7.8			Android, iOS, Web
7	Scalapay	7.8			Android, API, iOS, Web
8	Tamara	7.8	Free plan	AED 19/mo	Android, iOS, Web
9	Zilch	7.8	Free plan	£2.99/mo	Android, iOS, Web
10	Klarna	7.4		$4.99/mo	Android, API, iOS, Web
11	Aplazo	7.3			Android, API, iOS, Web
12	Katapult	7.3			Android, API, iOS, Web
13	Oney	7.3			Android, API, iOS, Web
14	Sezzle	7.3		$13.99/mo	Android, API, iOS, Web
15	Sunbit	7.3			Android, iOS, Web
16	Addi	7.2			Android, iOS, Web
17	Affirm	7.2			Android, API, Browser, iOS, Web
18	FLOA	7.2		€1.25/mo	Android, iOS, Web
19	Kueski Pay	7.2			Android, API, iOS, Web
20	Riverty	7.2			Android, API, iOS, Web

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What is the best alternative to Zip?

Tabby, number 1 in buy now, pay later platforms with a score of 7.9 out of 10. The others here: ViaBill, Afterpay, Atome and 16 more.

What is the best free alternative to Zip?

Tabby is the best-ranked alternative with a free plan. 6 of the 20 alternatives here publish a free plan on their own pricing pages.

How are these alternatives ranked?

Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation.