Best Buy Now Pay Later Apps of 2024

Finturf is a software platform for service providers and stores that want to offer POS financing options. How Does Finturf Work? 1. Enter a little bit of information from the customer, like their name and income source. 2. Send the loan request to Finturf's network of lenders 3. Find out in minutes if a lender accepts the request Why Finturf? - Simple Setup - Reliability - White label services - Support available 24 hours a day - High approval rates - Soft inquiries - Waterfall algorithm - Fast money transfer - Full performance reporting - Geo-targeting Finturf is the best option for service providers and stores looking to increase their sales by offering POS loan options.

B2B: A Buy Now, Pay Later solution Your B2B customers will be able to buy now and pay later at checkout, allowing you to sell more and grow your business. Hokodo allows you to offer trade credit to customers. Instant credit terms can help keep customers in the funnel and increase sales. Our real-time underwriting eliminates lengthy credit checks and customers can get payment terms immediately, even after making their first purchase. No need to worry about cash flow. We pay you after delivery of the goods. We can also collect late payments and chase them. Your business is protected from credit and fraud risks, including non-payments, ID theft, chargebacks, and outright bankruptcy of customers. 73% of B2B buyers prefer to shop online. We believe they should have the same seamless checkout experience as consumers.

Koverly makes sure that your bill is paid on time. At checkout, you can choose the best payment method for your business. With the best exchange rates in the industry, you can make online global payments securely, quickly and easily in 100+ currencies. Transparency on money crossing borders. Send money in more than 100 currencies to almost any country on the planet. Online spot rates for popular currency pairs are available. Your vendor gets paid now, you pay 30 days later. You can use a portion your credit line to get 30 days extra to make FX payments without any interest or fees when you activate a KoverlyPay. Koverly pays the vendor immediately and locks in your rate. KoverlyPay allows you to split payments into smaller 4, 8 or 12-week installments. Koverly adheres strictly to security and compliance standards, ensuring that all of your business payments and data is encrypted and secure. Staff security, privacy, and compliance training and certifications.

Creditea, a unique BNPL that boosts e-commerce by increasing approval rates for merchants and margins, while offering customers a seamless checkout and flexible repayment options, is a new BNPL. Customers can benefit from a quick onboarding, a user-friendly Credit Line and benefits such as 0% interest for 30 days or long-term repayment plans. Creditea is powered by International Personal Finance plc and integrates seamlessly with the major ecommerce platforms. Interested parties can partner with us. Discover how Creditea Pay Later will enhance your online business today!

Our modular, "building-block technology" makes it easy to quickly create, test, and deploy payment solutions. You can choose from more than 100K pre-coded functions through our easy-to-use, point-and-click interface. Our 300+ APIs allow you to speed up time to market and support almost any use case. Instantly load card credentials into cardholders’ mobile wallets. Leverage tools to deliver top-quality digital experiences. Flexibility and control. You can quickly create and test programs with different features based on market feedback. The platform is inherently reliable, secure, context-aware and allows you to scale new offerings to the market. With our highly configurable Agile Processing platform, you can create and deploy programs with an unmatched range of features. You can launch programs in just 30 days with minimal investment in IT infrastructure.

Zip (formerly Quadpay) instantly boosts sales. In 10 minutes, Zip's "pay Later" platform can be integrated without APIs. Enjoy the rewards Customers love the flexibility to split their payments into four installments over six weeks. Zip's partner merchants benefit from a higher AOV and conversion, more repeat sales, and immediate payment. Zip exclusive merchants. These are just a handful of the over 3,000 amazing merchant partners. Join the Zip brand community. {Our buy now, pay later platform is designed to give savvy shoppers more freedom and flexibility.|Our buy now, and pay later platform gives savvy shoppers more freedom.} Integration is easy from the front end. You can use a few lines javascript code, or one of our eCommerce platform plug-ins. Zip In-Store. Zip In-Store is a seamless in-store POS system that requires no IT support. Customers can pay in-store with Zip. Zip can be accepted if you accept Visa. To make payment, simply scan the QR code. No code changes or integrations required with POS systems

Afterpay is a pioneer in fair pay. We offer the best customers and retailers the happy ever after they deserve. This is a world where everyone wins. Afterpay is transparent and offers a clear solution for shoppers. There are no credit checks, no interest and no hidden fees. Afterpay gives shoppers the peace of mind that their money is being spent where they want it to, rather than worrying about where it went. Let's work together to make them happier. Afterpay users who are new can receive an instant approval decision within minutes. Once your customer has placed their order, you will be paid the entire amount upfront. It's a win/win situation. Afterpay customers pay four installments every 2 weeks. Shoppers pay on time, with zero interest. We believe that people are fundamentally good and we trust our customers to pay back.

Sell more. Grow faster. Bread's full-funnel approach allows you to reach more customers by giving them the opportunity to apply for financing and check out from any page on your site. Your shoppers have the option to pre-qualify for financing, and they can check out from any page of your site. Your shoppers can search, pre-qualify, check out, and pay from any page on your site, including your homepage, category page or product page, cart, checkout, and checkout. To increase sales and increase the average order value, transform pricing by using the shopper’s personalized per-month cost. Your shoppers can pre-qualify in seconds, without ever leaving your website. This will make it easy and frictionless for them. The only thing that shoppers need to do to get their rate is to enter a few details. This does not affect their credit score. Your shoppers will instantly find out if they have been pre-qualified and can understand their purchasing power. Bread doesn't take shoppers off the page or redirect them to another site. This ensures a seamless user experience.

Smart payments that increase business. Customers can spread the cost to increase sales. Customers will spread the cost and you'll be paid immediately (without any fees). Customers can spread the cost to take the fear out big purchases No interest. Our vast marketing database offers cross-sell opportunities for customers who prefer Openpay. Customers pay their first payment upfront to reduce post-purchase regret. Customers have a variety of payment options that they can choose from. We will refund almost all merchant fees if a customer returns an item.

Our product portfolio of credit cards, buy now, pay later, and business financing products was designed to meet the core needs of shoppers, small and medium-sized businesses, as well as retailers. We have platforms that allow you to buy or lease everything. Increase your customer base. Become a hummbusiness partnership. You can earn up to 30% more in sales volume and a maximum of 80% repurchase rates. Payment upfront Guaranteed settlement next business day. No refund fees. We will return your fee for items returned to our store. Fully integrated No matter how big or small your business is, whether it's online, walk-in, or online, humm can integrate. We offer instant online integration with major e-commerce providers. For bespoke builds, you can also use the Direct REST API to access pricing and marketing widgets. Integration is available for the following POS platforms. Customers and staff can integrate quickly and easily.

This is the fast and flexible way for your bank to go digital. Financial institutions can now offer secure, mobile-first services for a wide range of products. We offer a wide range of services and capabilities that can be customized to meet your specific needs. You can choose only what you need, tailor it to your brand and get started lending quickly. You can go to market in months, not years. A turnkey mobile-first solution that powers your brand. A leader in fraud detection and verifications. Many data sources are integrated into one simple, flexible, and easily actionable pipeline. Amount believes technology can transform lives. We create digital financial experiences that reflect our lives. This allows your financial institution to bridge the digital divide, unify their data, and gain insight to improve your customers' experience. We have a global network of top-notch banking clients and over 15+ data sources that we integrate into a multi-product offering.

Tabby makes shopping more enjoyable. Split your purchase into 4 interest-free installments or earn cashback at your favorite stores (or both). You can shop now and pay later by selecting tabby at checkout. This will split your purchase into four interest-free monthly payments. The tabby app allows you to shop now and pay later, earning cash without interest, fees, or hidden costs. tabby's shopping experience eliminates the barrier of price. You can convert browsers into buyers, increase average order value, or expand your customer base. Shop for partner brands on tabby's app or website and earn cash that you can withdraw. You can pay with tabby, or not. tabby makes shopping more enjoyable by giving people the freedom and flexibility to purchase what they want. tabby allows you to shop now and pay later, while earning cash without interest, fees, or debt traps. Tabby is used to accelerate growth by more than 2,000 global brands and small business, including Adidas and Marks & Spencer.

Capital Float was founded in 2013 and serves the financial needs of salaried and self-employed Indians. Through our partnerships with A-list brands, we offer fast finance to consumers shopping online. We also offer digital credit to individuals and businesses for their business and personal needs. You can get a personalized, renewable credit facility right from your phone. Capital Float is the preferred finance partner of thousands of self-employed people in India. These small businesses can break through the barriers and grow quickly with our short-term digital loans. Our experience allows us to create cutting-edge credit products that small businesses may not have been able to access in the past. BNPL allows you to shop at a price that is affordable and fun. Fast, collateral-free financing for personal and professional needs. You can apply from anywhere, anytime, as long as you are connected to the internet.

@Pay is a DEFI protocol (Decentralized Finance Initiative) that is the first BNPL platform (Buy Now, Pay Later) to integrate blockchain technology with its own cryptocurrency. @Pay will bring significant cost savings to all members of the ecosystem through smart contract technology and blockchains. @Pay is a key player in DEFI eCommerce and in-store solutions for shoppers and merchants. @Pay users will be able to pay for their shopping using any approved cryptocurrency they have in their @Pay wallet. Shoppers will be rewarded by a program that allows all ecosystem contributors to share in the rewards. @Pay is powered through the @Pay token, which will be used to govern the protocol. All participants will be rewarded for their participation in the ecosystem, which includes merchants, users, and marketplaces.

Merchants can now connect to multiple lenders within the ChargeAfter network to offer personalized point-of-sale financing to consumers based on their credit needs. There is no one size fits all approach to financing. ChargeAfter allows merchants to offer the best consumer financing options to shoppers at checkout, while also approving upto 85% of applications. ChargeAfter offers detailed transaction reporting and full performance from a simple dashboard. You can see every transaction from each lender, both historical and live. You can easily settle, upsell or refund credit transactions with a click of one button. ChargeAfter is a multi-lender consumer financing platform. Your business can be flexible as well. You can offer financing wherever your customers are. Online, in-store, and over the telephone

Zinia, the Santander Group's new 'Buy Now and Pay Later' platform, has over two million customers in Europe. Zinia simplifies shopping by allowing you to split payments into interest-free installments. This is fast and transparent. The platform is available for online and in-store purchases at participating businesses. Offline functionality will soon be added. Our interest-free payment options make your products more affordable. Customers will be more flexible when they pay, which can increase sales. Flexible payment options can increase average spend at your checkout. Keep customers coming back. Shopping is made easier with our simple, fast, and transparent payment solutions. All Santander Consumer Finance units can access our services from one platform.

ZoodPay allows you to shop online and in-store and pay in four installments over a period that is 90 days with zero interest and no fees. Register your credit card or debit card details and enter your personal information. You will be approved immediately and able to pay your order in four equal installments. ZoodPay makes it easy! You can buy products via the ZoodMall app, or at hundreds online stores that offer the ZoodPay Buy Now,Pay Later' payment option. It is quick and easy to get approval. You can pay in your local currency. You have the option of receiving the goods first, and then paying in four to six installments. There is no interest or fees.

Walnut can help your practice approve more patients, even those who have credit problems. Plans starting at 0% interest allow you to get paid upfront. Traditional patient financing companies reject half of patients. Our proprietary underwriting algorithm allows you to approve more patients. Get paid upfront with no risk and no fees. We currently serve the elective care market. We believe in transparent, fair and transparent payment options for patients. Our dedicated support team is available to answer provider and patient questions 24 hours a day. You can get financing plans starting at 0%. Walnut is completely free to implement by providers. Walnut is a better option to manage your healthcare expenses. Walnut helps you to reduce your medical bills into smaller monthly payments that are tailored to your needs. We will assign you a Walnut Agent who will help you stay on track.

The next generation of consumers will be empowered by banks and credit unions. equipifi's white-label solution integrates with banks to offer consumers the ability to view, accept and manage offers through their existing banking apps. Financial institutions allow their debit cardholders to make purchases in a way that suits their financial goals by offering BNPL. Consumers will have greater clarity in managing their BNPL loans. Pre-approved BNPL loans are tailored to the needs of consumers and their financial goals. Expanded use cases and qualifying purchases for BNPL. Everything on one platform, fast and simple. Flexible financing for everyday purchases through their primary financial institution. Flexible payment options that younger generations appreciate. Keep in touch with cardholders who make everyday purchases. Your banking app offers a refreshingly simple user experience. Explore new markets to increase interchange and interest.

Companies make buying decisions almost every day. There aren't fully digital processes for B2B sales, and there aren't customer-friendly financing options. Many companies, especially SMEs, find themselves in poor purchasing decisions, inefficient capital use, and long bureaucratic processes. Our technology and financing solutions allow business customers to enjoy a fully digital, end-to-end B2B sales experience. Our solutions enable companies to make more use of capital and increase customer retention. Our solution is simple and easy to use. It allows for quick approvals and allows for a holistic management of your purchases. Our API-based integration makes it easy to integrate new payment methods. Our systems are built on the most advanced technological innovations. Signing up takes only minutes and customers are approved in seconds.

Transform payment failure into revenue Ship first, get paid later. FUGU guarantees payment collection within fourteen days. Eligible customers will be notified about a deferred payment option immediately after a cart has been abandoned. Once approved for deferred payments, FUGU will manage and take responsibility for payment collection within 14-days. No additional payment methods, no additional registration. All collection operations are handled by FUGU under your name. We only charge for the recovery guarantee - there are no subscription fees or extra commitments. You can click through installation, right-out-of-the box configuration - it takes less than 45 minutes of you time.

Lemon helps SaaS companies increase cash flow and reduce customer churn up to 90%. lemon is a simple checkout solution for small-to-medium-sized B2B software vendors that lets your customers retain the comfort of paying for software monthly whilst paying you for your annual plan up-front, instantly. It's easy to integrate lemon into your payment stack: just add the widget to your payment page and we will do the rest. Lemon pays your annual price in advance. Your customer pays us back monthly. It's not your problem if they stop paying. Receiving payment up-front can reduce monthly churn. You get paid instantly when your customers choose lemon to pay.

Reimagining the technology funding and procurement process by combining payments with predictive pricing and financing. Flexible payment options embedded in sales to close faster. Leverage your existing recurring revenue to get funded now. You can get paid even if your customers pay later. Align your payments to the ratio with customer payments. You can unlock capital for growth by using your own assets, without dilution and debt. Ratio does not require monthly payments, unlike venture debt or revenue-based funding. Choose which contracts to sell according to your cash flow requirements. The Ratio team consists of experienced SaaS executives and finance executives as well as serial entrepreneurs, builders and dreamers. Equity is an important part of building your company and rewarding your team. Ratio does not dilute your equity by selling warrants or selling equity.

Convert more annual packages by allowing customers to pay up to 8 months in advance. Convert monthly packages into annual packages to increase the AOV. SaaSPay offers flexible financing to generate leads. No more chasing payments. Get paid the first day. Get paid upfront. With one-click financing, you can convert monthly subscribers into annual customers. Upload your customer information and list your products, including their subscription levels. You will be paid in full on the first day. As soon as you sell, you'll receive a full year of payment on your bank account! SaaSPay accounts are activated by completing a simple KYB procedure. Add unlimited team members to maximize the potential of your team. Our powerful analytics feature allows you to analyze the performance of different packages. Our customer usage analysis can help you identify upselling opportunities. BNPL with one click to boost annual subscription sales Flexible repayment options empower your customers.

E6 offers the infrastructure and flexibility to deliver industry-leading payment solutions to top 50 global banks, fintechs and other organizations. With our payment technology, you will always be ahead of the curve. Stop letting outdated technology limit 21st century opportunities. TRITIUM is E6's powerful payment platform. It offers a solution that is flexible enough to redefine the paytech industry, yet secure and reliable enough to please your CIO. TRITIUM, E6's powerful payments platform, is the only solution if you want to modernize your existing payment technology stack, expand your business or get ahead of your competition. You didn't just stumble upon this page, so tell us what your goals are. TRITIUM's flexible, single payment platform can be used for almost any type of payments application, from launching innovative products to powering a BaaS. Our modern payment platform will simplify your paytech stack, and help you reduce costs.