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	7.2	Free plan	Free	Android, API, iOS, Web
2	ViaBill	7.2	Free plan	Free	Android, API, iOS, Web
3	Afterpay	7.1	Free plan	Free	Android, API, iOS, Web
4	Atome	7.1	Free plan	Free	Android, API, iOS, Web
5	Billie	7.1			Android, iOS, Web
6	Scalapay	7.1			Android, API, iOS, Web
7	Tamara	7.1	Free plan	AED 19/mo	Android, iOS, Web
8	Zilch	7.1	Free plan	£2.99/mo	Android, iOS, Web
9	PayJustNow	7.0			Android, iOS, Web
10	Klarna	6.7		$4.99/mo	Android, API, iOS, Web
11	Sunbit	6.7			Android, iOS, Web
12	Aplazo	6.6			Android, API, iOS, Web
13	Katapult	6.6			Android, API, iOS, Web
14	Oney	6.6			Android, API, iOS, Web
15	Sezzle	6.6		$13.99/mo	Android, API, iOS, Web
16	Addi	6.5			Android, iOS, Web
17	Affirm	6.5			Android, API, Browser, iOS, Web
18	FLOA	6.5		€1.25/mo	Android, iOS, Web
19	Kueski Pay	6.5			Android, API, iOS, Web
20	Riverty	6.5			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 7.2 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 on what each maker publishes: documentation depth, a free tier and the platforms it runs on.