Atome may suit mobile-first shoppers in Singapore or Malaysia who want to split purchases at participating retailers.
Free plan From 0.75 SGD a month AndroidiPhone & iPadWebAPI
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Best Buy Now, Pay Later Platforms 2026
Facts read 29 Sep 2026 – 20 Oct 2026
Buy now, pay later platforms bring a payment option into a merchant’s checkout and ongoing operations. Compare checkout channels and consumer regions to consider where an offering may be used, then look at merchant platforms, dashboard availability, and settlement details. Repayment terms describe another part of the payment arrangement. Free-plan availability and paid-from pricing provide additional cost context. Tabby, Afterpay, and Atome are among the platforms to examine. Consider the listed merchant and customer-facing details together with the sales channels, regions, and repayment arrangements that matter to you.
The standings: top 10
| Name | In a line | Record score | Price from | Try it free | Runs on | Facts read |
|---|---|---|---|---|---|---|
| 01 Atome | Atome may suit mobile-first shoppers in Singapore or Malaysia who want to split purchases at participating retailers. | 5.7 | 0.75 SGD a month | Free plan | Android, iPhone & iPad, Web, API | 19 Oct 2026 |
| 02 Klarna | Klarna may suit shoppers seeking payment choices at checkout and retailers looking to add payment options across online, app, or in-person channels. | 5.7 | $4.99 a month | Free plan | Android, iPhone & iPad, Web, API | 8 Oct 2026 |
| 03 Tamara | Tamara suits shoppers in its supported markets who want installment payment options at participating stores. | 5.5 | 19 AED a month | Free plan | Android, iPhone & iPad, Web | 8 Oct 2026 |
| 04 Zilch | Zilch suits UK residents aged 18 or over who want app-based payment choices and Rewards, subject to eligibility. | 5.4 | £2.99 a month | Free plan | Android, iPhone & iPad, Web | 7 Oct 2026 |
| 05 Scalapay | Scalapay suits shoppers who want to divide eligible purchases into instalments and merchants seeking an instalment payment option for online or in-store sales. | 5.3 | Free plan | Free plan | Android, iPhone & iPad, Web, API | 20 Oct 2026 |
| 06 Sezzle | It suits shoppers in the United States or Canada looking for installment payment options, and merchants seeking checkout integrations. | 5.2 | $13.99 a month | Free plan | Android, iPhone & iPad, Web, API | 29 Sep 2026 |
| 07 Riverty | 5.0 | Free plan | Free plan | Android, iPhone & iPad, Web, API | 15 Oct 2026 | |
| 08 Tabby | Tabby suits shoppers in Saudi Arabia, the UAE, and Kuwait who want payment-splitting options and tools for tracking deals and upcoming payments. | 5.0 | Free plan | Free plan | Android, iPhone & iPad, Web, API | 3 Oct 2026 |
| 09 ViaBill | ViaBill suits shoppers seeking installment payments at selected online stores and merchants looking to add installment checkout. | 5.0 | Free plan | Free plan | Android, iPhone & iPad, Web, API | 9 Oct 2026 |
| 10 Zip | 4.9 | Free plan | Free plan | Android, iPhone & iPad, Web, Browser extension | 30 Sep 2026 |
02
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 Record5.7 Visit
03
Tamara
Tamara suits shoppers in its supported markets who want installment payment options at participating stores.
AndroidiPhone & iPadWeb Record5.5 Visit
04
Zilch
Zilch suits UK residents aged 18 or over who want app-based payment choices and Rewards, subject to eligibility.
AndroidiPhone & iPadWeb Record5.4 Visit
05
Scalapay
Scalapay suits shoppers who want to divide eligible purchases into instalments and merchants seeking an instalment payment option for online or in-store sales.
AndroidiPhone & iPadWeb+1 Record5.3 Visit
6
Sezzle
AndroidiPhone & iPadWeb+1 $13.99 a month Record5.2 Visit It suits shoppers in the United States or Canada looking for installment payment options, and merchants seeking checkout integrations.
8
Tabby
AndroidiPhone & iPadWeb+1 Free plan Record5.0 Visit Tabby suits shoppers in Saudi Arabia, the UAE, and Kuwait who want payment-splitting options and tools for tracking deals and upcoming payments.
9
ViaBill
AndroidiPhone & iPadWeb+1 Free plan Record5.0 Visit ViaBill suits shoppers seeking installment payments at selected online stores and merchants looking to add installment checkout.
11
Afterpay
AndroidiPhone & iPadWeb+1 Free plan Record4.7 Visit It suits eligible shoppers who want to split partner-brand purchases into installments and manage payments in an app.
12
Aplazo
AndroidiPhone & iPadWeb+1 Free plan Record4.7 Visit It suits shoppers in Mexico who want installment payment options at participating stores without a credit card.
13
Kueski Pay
AndroidiPhone & iPadWeb+1 Free plan Record4.7 Visit It suits adults who are Mexican nationals residing in Mexico and have a valid voter ID or Mexican passport.
14
Oney
AndroidiPhone & iPadWeb+1 Free plan Record4.7 Visit Oney is aimed at retailers seeking payment and credit options across online, in-store, and other sales channels.
15
Sunbit
AndroidiPhone & iPadWeb Free plan Record4.7 Visit Sunbit may suit customers seeking installment financing for listed services and merchants looking to add pay-over-time checkout.
16
Affirm
AndroidiPhone & iPadWeb+2 Free plan Record4.6 Visit It suits shoppers seeking installment payment options and merchants adding financing to online or omnichannel checkout.
18
Billie
AndroidiPhone & iPadWeb — Record4.4 Visit Billie suits merchants selling to businesses through online, phone or in-person channels who want to offer invoice payment, installments or pay-later terms.
20
Katapult
AndroidiPhone & iPadWeb+1 — Record4.2 Visit It suits shoppers seeking lease-to-own options and retailers adding omnichannel checkout.
22
PayJustNow
AndroidiPhone & iPadWeb — Record4.2 Visit PayJustNow suits South African shoppers who meet the Pay in 3 signup requirements and want to split purchases at participating retailers.
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