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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.

Buy now, pay later platforms support payment choices at checkout and tools for merchants handling those transactions. Affirm, Afterpay, and Zip head the ranking, with Tabby and Sezzle also among the early entries. Compare checkout channels and consumer regions to assess where a platform may be available, then consider merchant platforms, dashboard access, and settlement details. Repayment terms help distinguish how payments are arranged. Free-plan availability and paid-from pricing provide additional cost context. The relevant criteria depend on whether you are evaluating a checkout option for a purchase or considering how a platform could fit your merchant operations.

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
#1 Tabby Top pick · 7.3 Free plan · Free #2 Afterpay Runner-up · 7.1 Free plan · Free #3 Atome Also great · 7.1 Free plan · Free
  1. 1

    Tabby

    7.3
    Free plan AndroidapiiOSWeb
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    4 interest-free payments; up to 12 monthly payments; longer Saudi Arabia plans up to 12 monthly payments
    Merchant platforms
    Shopify, Salla, Zid, WooCommerce, Magento 2, OpenCart, Matjrah, Salesforce, ExpandCart
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    Free About TabbyVisit site
  2. 2

    Afterpay

    7.1
    Free plan AndroidapiiOSWeb
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months
    Merchant platforms
    Square, Magento, Shopify, WooCommerce
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    Free About AfterpayVisit site
  3. 3

    Atome

    7.1
    Free plan AndroidapiiOSWeb
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    Pay-in-3: first payment at purchase, remaining payments monthly; Pay-in-6: first payment one day after purchase, remaining payments every 30 days
    Merchant platforms
    Easy Store; Magento 1 & 2; OpenCart; Salesforce SFRA; Salesforce Site Genesis; Shopify; Wix; WooCommerce; open API
    RecognisedDocumentedFree planPlatforms
    Free About AtomeVisit site
  4. 4

    Sunbit

    6.7
    AndroidiOSWeb
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    3, 6, and 12 months; 6–72 months available for Dental Care
    Merchant platforms
    Stripe
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About SunbitVisit site
  5. 5

    Aplazo

    6.6
    AndroidapiiOSWeb
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    1, 3, 5, 8, or up to 12 biweekly installments
    Merchant platforms
    PrestaShop
    Merchant settlement
    same day
    RecognisedDocumentedFree planPlatforms
    About AplazoVisit site
  6. 6

    Sezzle

    6.6
    AndroidapiiOSWeb
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    Pay in 4: 25% down payment plus three payments every two weeks over six weeks; other options may run from 3 to 48 months
    Merchant platforms
    Shopify, Shopify Plus, WooCommerce, Commercold, BigCommerce, Magento, Salesforce, Wix
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    $13.99/mofirst paid tier About SezzleVisit site
  7. 7

    Affirm

    6.5
    AndroidapiextensioniOSWeb
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments
    Merchant platforms
    Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion
    RecognisedDocumentedFree planPlatforms
    About AffirmVisit site
  8. 8

    Kueski Pay

    6.5
    AndroidapiiOSWeb
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    2, 4, 6, 8, 10, or 12 biweekly installments; seasonal promotions may offer 2 or 4 installments without interest
    Merchant platforms
    Shopify, VTEX, WooCommerce, PrestaShop, Magento, Tienda Nube, SDK
    RecognisedDocumentedFree planPlatforms
    About Kueski PayVisit site
  9. 9

    Zip

    6.5
    AndroidapiextensioniOSWeb
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms
    Merchant platforms
    BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About ZipVisit site
  10. 10

    Scalapay

    6.1
    WebiOSAndroid
    Checkout channels
    omnichannel
    Repayment 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 months
    Merchant platforms
    BigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1, Magento 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX, WooCommerce
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About ScalapayVisit site
  11. 11

    Addi

    6.0
    WebiOSAndroid
    Checkout channels
    omnichannel
    Repayment terms
    1 to 6 installments; 6 to 24 installments
    Merchant platforms
    Jumpseller, Shopify, WooCommerce, Magento, Tienda Nube, Sumer, VTEX, Prestashop
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About AddiVisit site
  12. 12

    Klarna

    6.0
    WebiOSAndroid
    Checkout channels
    omnichannel
    Repayment terms
    Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available
    Merchant platforms
    Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About KlarnaVisit site
  13. 13

    Riverty

    6.0
    WebiOSAndroid
    Checkout channels
    omnichannel
    Repayment terms
    14 days; 30 days; monthly invoice; 3 equal payments over 60 or 90 days; fixed installments over 3, 6, 12, or 24 months
    Merchant platforms
    Shopify; Magento; WooCommerce; Shopware; PrestaShop; Lightspeed; JTL; OXID eSales; Myshop; Divide.o
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About RivertyVisit site
  14. 14

    Tamara

    6.0
    WebiOSAndroid
    Checkout channels
    omnichannel
    Repayment terms
    3, 4, 6, 9, 12, and 24 months
    Merchant platforms
    Shopify, WooCommerce, Magento, Salla, Zid, Salesforce Commerce Cloud, Paymob, OpenCart, ExpandCart, Geidea, Network International
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About TamaraVisit site
  15. 15

    Zilch

    6.0
    WebiOSAndroid
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    Pay over 6 weeks; Pay over 3 months; Pay over 6 months; Pay over 12 months
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About ZilchVisit site
  16. 16

    Billie

    5.8
    Web
    Checkout channels
    omnichannel
    Repayment terms
    7 to 120 days; 30 to 120 days for buyer-facing pay-later terms; installments; pay on account
    Merchant platforms
    Klarna, Adyen, Stripe, Kustom, Mollie, Shopware, JTL, WooCommerce
    Merchant settlement
    same day
    RecognisedDocumentedFree planPlatforms
    About BillieVisit site
  17. 17

    Katapult

    5.8
    Web
    Checkout channels
    omnichannel
    Repayment terms
    weekly, bi-weekly, semi-monthly, or monthly
    Merchant platforms
    Magento, Shopify, WooCommerce, Salesforce Commerce Cloud
    Merchant settlement
    next day
    RecognisedDocumentedFree planPlatforms
    About KatapultVisit site
  18. 18

    Mondu

    5.8
    Web
    Checkout channels
    omnichannel
    Repayment terms
    30, 45, 60 or 90 days; installments over 3, 6 or 12 months
    Merchant platforms
    Shopify, Shopware 5, Shopware 6, Magento 2, WooCommerce, JTL, Stripe and REST API
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About MonduVisit site
  19. 19

    Oney

    5.8
    Web
    Free plan
    Yes
    Checkout channels
    omnichannel
    Repayment terms
    3, 4, 6, 10, and 12 installments; financing up to 60 months
    Merchant platforms
    PrestaShop, Magento 2, Salesforce
    RecognisedDocumentedFree planPlatforms
    About OneyVisit site
  20. 20

    Snapmint

    5.8
    Web
    Checkout channels
    omnichannel
    Repayment terms
    3 months; 6 months; 9 months
    Merchant platforms
    Shopify; Razorpay Checkout; Cashfree One Click Checkout
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About SnapmintVisit site
  21. 21

    Splitit

    5.8
    Web
    Checkout channels
    omnichannel
    Repayment terms
    monthly; biweekly; partial installments; pay after delivery; up to 12 installments
    Merchant platforms
    BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud
    Merchant settlement
    next day
    RecognisedDocumentedFree planPlatforms
    About SplititVisit site
  22. 22

    ViaBill

    5.8
    Web
    Checkout channels
    omnichannel
    Repayment terms
    4 installments: first at purchase, then three monthly payments
    Merchant platforms
    Shopify, WooCommerce, Magento, PrestaShop, Drupal, VirtueMart, Ucommerce, Sitecore, OpenCart, Umbraco
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About ViaBillVisit site
  23. 23

    Alma

    5.7
    Web
    Free plan
    No
    Checkout channels
    omnichannel
    Repayment terms
    2x, 3x, 4x, 10x, 12x, D+15, D+30
    Merchant platforms
    Magento 1, Magento 2, PrestaShop, Shopify, Wizishop, WooCommerce, Salesforce Commerce Cloud, Proximis, WSHOP
    Merchant settlement
    scheduled
    RecognisedDocumentedFree planPlatforms
    About AlmaVisit site
  24. 24

    FLOA

    5.7
    Web
    Checkout channels
    omnichannel
    Repayment terms
    3X, 4X, 10X or more
    Merchant platforms
    Magento, PrestaShop, WooCommerce, Shopify, Adobe Commerce
    RecognisedDocumentedFree planPlatforms
    About FLOAVisit site
  25. 25

    Payflex

    5.7
    WebAndroid
    Free plan
    No
    Checkout channels
    omnichannel
    Repayment terms
    Pay in 2 over 2 paydays; Pay in 3 over 3 paydays; Pay in 4 over 6 weeks; Pay Now in one payment
    Merchant platforms
    Shopify; Magento; WordPress WooCommerce; custom websites via API
    RecognisedDocumentedFree planPlatforms
    About PayflexVisit site

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.

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Questions about this list

Which buy now, pay later platform is ranked first on Everything Xiaomi?

Tabby is ranked #1 of 26 with a score of 7.3. 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 on what each maker publishes: documentation depth, a free tier and the platforms it runs on. Paid placements never change a rank.

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