Best Buy Now, Pay Later Platforms in 2026
Updated
In short: Tabby is ranked #1 of 26 as of 4 October 2026, ahead of Afterpay and Atome. The best-ranked option with a free plan is Afterpay. The lowest first paid tier on this page is Sezzle at $13.99/mo.
For a buy now, pay later option, compare how it fits both the checkout experience and the merchant’s operations. Look at checkout channels and consumer regions, then weigh merchant platform support, dashboard availability and settlement details. The ranking begins with Affirm, Afterpay and Zip, with Tabby and Sezzle among the next entries. Repayment terms give another basis for comparison, while free-plan availability and paid-from pricing add cost context. Consider these details in relation to the sales channels and payment arrangements that matter to you; the relevant criteria may differ depending on whether you are evaluating the merchant side or a purchase.
26 buy now, pay later platforms ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
26ranked
3free plans on this page
$13.99/molowest paid tier
4 Oct 2026last checked
Recognised 40% · Phone app 26% · Documented 20% · Free plan 14% of the score
- 1 Tabby iPhone + Android RecognisedPhone appDocumentedFree plan 7.9Free Checkout channels: omnichannelRepayment terms: 4 interest-free payments; up to 12 monthly payments; longer Saudi Arabia plans up to 12 monthly paymentsMerchant platforms: Shopify, Salla, Zid, WooCommerce, Magento 2, OpenCart, Matjrah, Salesforce, ExpandCart
- 2 Afterpay iPhone + Android RecognisedPhone appDocumentedFree plan 7.8Free Checkout channels: omnichannelRepayment terms: Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 monthsMerchant platforms: Square, Magento, Shopify, WooCommerce
- 3 Atome iPhone + Android RecognisedPhone appDocumentedFree plan 7.8Free Checkout channels: omnichannelRepayment terms: Pay-in-3: first payment at purchase, remaining payments monthly; Pay-in-6: first payment one day after purchase, remaining payments every 30 daysMerchant platforms: Easy Store; Magento 1 & 2; OpenCart; Salesforce SFRA; Salesforce Site Genesis; Shopify; Wix; WooCommerce; open API
- 4 Sunbit iPhone + Android RecognisedPhone appDocumentedFree plan 7.4 Checkout channels: omnichannelRepayment terms: 3, 6, and 12 months; 6–72 months available for Dental CareMerchant platforms: Stripe
- 5 Affirm iPhone + Android RecognisedPhone appDocumentedFree plan 7.3 Checkout channels: omnichannelRepayment terms: 4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly paymentsMerchant platforms: Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion
- 6 Aplazo iPhone + Android RecognisedPhone appDocumentedFree plan 7.3 Checkout channels: omnichannelRepayment terms: 1, 3, 5, 8, or up to 12 biweekly installmentsMerchant platforms: PrestaShop
- 7 Kueski Pay iPhone + Android RecognisedPhone appDocumentedFree plan 7.3 Checkout channels: omnichannelRepayment terms: 2, 4, 6, 8, 10, or 12 biweekly installments; seasonal promotions may offer 2 or 4 installments without interestMerchant platforms: Shopify, VTEX, WooCommerce, PrestaShop, Magento, Tienda Nube, SDK
- 8 Sezzle iPhone + Android RecognisedPhone appDocumentedFree plan 7.3$13.99/mo Checkout channels: omnichannelRepayment terms: Pay in 4: 25% down payment plus three payments every two weeks over six weeks; other options may run from 3 to 48 monthsMerchant platforms: Shopify, Shopify Plus, WooCommerce, Commercold, BigCommerce, Magento, Salesforce, Wix
- 9 Zip iPhone + Android RecognisedPhone appDocumentedFree plan 7.3 Checkout channels: omnichannelRepayment terms: 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free termsMerchant platforms: BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce
- 10 Addi iPhone + Android RecognisedPhone appDocumentedFree plan 6.9 Checkout channels: omnichannelRepayment terms: 1 to 6 installments; 6 to 24 installmentsMerchant platforms: Jumpseller, Shopify, WooCommerce, Magento, Tienda Nube, Sumer, VTEX, Prestashop
- 11 Klarna iPhone + Android RecognisedPhone appDocumentedFree plan 6.9 Checkout channels: omnichannelRepayment terms: Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where availableMerchant platforms: Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce
- 12 Riverty iPhone + Android RecognisedPhone appDocumentedFree plan 6.9 Checkout channels: omnichannelRepayment terms: 14 days; 30 days; monthly invoice; 3 equal payments over 60 or 90 days; fixed installments over 3, 6, 12, or 24 monthsMerchant platforms: Shopify; Magento; WooCommerce; Shopware; PrestaShop; Lightspeed; JTL; OXID eSales; Myshop; Divide.o
- 13 Scalapay iPhone + Android RecognisedPhone appDocumentedFree plan 6.9 Checkout channels: omnichannelRepayment terms: Pay in 3: first payment at purchase, then after 1 and 2 months; Pay in 4: first payment at purchase, then after 1, 2, and 3 monthsMerchant platforms: BigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1, Magento 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX, WooCommerce
- 14 Tamara iPhone + Android RecognisedPhone appDocumentedFree plan 6.9 Checkout channels: omnichannelRepayment terms: 3, 4, 6, 9, 12, and 24 monthsMerchant platforms: Shopify, WooCommerce, Magento, Salla, Zid, Salesforce Commerce Cloud, Paymob, OpenCart, ExpandCart, Geidea, Network International
- 15 Zilch iPhone + Android RecognisedPhone appDocumentedFree plan 6.9 Checkout channels: omnichannelRepayment terms: Pay over 6 weeks; Pay over 3 months; Pay over 6 months; Pay over 12 months
- 16 Payflex Android only RecognisedPhone appDocumentedFree plan 6.6 Checkout channels: omnichannelRepayment terms: Pay in 2 over 2 paydays; Pay in 3 over 3 paydays; Pay in 4 over 6 weeks; Pay Now in one paymentMerchant platforms: Shopify; Magento; WordPress WooCommerce; custom websites via API
- 17 Billie No phone app RecognisedPhone appDocumentedFree plan 5.4 Checkout channels: omnichannelRepayment terms: 7 to 120 days; 30 to 120 days for buyer-facing pay-later terms; installments; pay on accountMerchant platforms: Klarna, Adyen, Stripe, Kustom, Mollie, Shopware, JTL, WooCommerce
- 18 Katapult No phone app RecognisedPhone appDocumentedFree plan 5.4 Checkout channels: omnichannelRepayment terms: weekly, bi-weekly, semi-monthly, or monthlyMerchant platforms: Magento, Shopify, WooCommerce, Salesforce Commerce Cloud
- 19 Mondu No phone app RecognisedPhone appDocumentedFree plan 5.4 Checkout channels: omnichannelRepayment terms: 30, 45, 60 or 90 days; installments over 3, 6 or 12 monthsMerchant platforms: Shopify, Shopware 5, Shopware 6, Magento 2, WooCommerce, JTL, Stripe and REST API
- 20 Oney No phone app RecognisedPhone appDocumentedFree plan 5.4 Checkout channels: omnichannelRepayment terms: 3, 4, 6, 10, and 12 installments; financing up to 60 monthsMerchant platforms: PrestaShop, Magento 2, Salesforce
- 21 Snapmint No phone app RecognisedPhone appDocumentedFree plan 5.4 Checkout channels: omnichannelRepayment terms: 3 months; 6 months; 9 monthsMerchant platforms: Shopify; Razorpay Checkout; Cashfree One Click Checkout
- 22 Splitit No phone app RecognisedPhone appDocumentedFree plan 5.4 Checkout channels: omnichannelRepayment terms: monthly; biweekly; partial installments; pay after delivery; up to 12 installmentsMerchant platforms: BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud
- 23 ViaBill No phone app RecognisedPhone appDocumentedFree plan 5.4 Checkout channels: omnichannelRepayment terms: 4 installments: first at purchase, then three monthly paymentsMerchant platforms: Shopify, WooCommerce, Magento, PrestaShop, Drupal, VirtueMart, Ucommerce, Sitecore, OpenCart, Umbraco
- 24 Alma No phone app RecognisedPhone appDocumentedFree plan 5.3 Checkout channels: omnichannelRepayment terms: 2x, 3x, 4x, 10x, 12x, D+15, D+30Merchant platforms: Magento 1, Magento 2, PrestaShop, Shopify, Wizishop, WooCommerce, Salesforce Commerce Cloud, Proximis, WSHOP
- 25 FLOA No phone app RecognisedPhone appDocumentedFree plan 5.3 Checkout channels: omnichannelRepayment terms: 3X, 4X, 10X or moreMerchant platforms: Magento, PrestaShop, WooCommerce, Shopify, Adobe Commerce
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which buy now, pay later platform is ranked first on Samsung Mobile US Press?
Tabby is ranked #1 of 26 with a score of 7.9. Afterpay is second and Atome third.
How many of these have a free plan?
3 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Sezzle has the lowest first paid tier we found: $13.99/mo.
How is this list ranked?
Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation. Paid placements never change a rank.
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