Best Free Buy Now Pay Later Apps of 2024

Melio is a business payment platform that simplifies the way small and medium-sized businesses pay their vendors & contractors—in and outside the U.S. Users can pay any invoice however they choose—with a bank transfer for free or by card (2.9% fee), even where cards aren’t accepted. You can also choose the speed of payment. Regular ACH bank transfers arrive within 3 business days but you can expedite payments and send funds by the end of the day or even instantly. Improve your cash flow by using your credit card. Hold onto cash longer by deferring payment to the end of your next billing cycle. Plus, earn card rewards with every transaction. Vendors receive payment however they prefer—a check in the mail or a bank deposit. They don’t need to sign up to receive the funds. Looking to boost your efficiency? Pay multiple bills at once, set up recurring payments, and enjoy multiple capabilities to help you spend less time in the back office. Invite team members or your accountant and easily set up their roles and permissions to schedule payments. Plus, Melio syncs with QuickBooks and other accounting software so data is automatically updated on both platforms.

Deferit is on a mission to empower people to take control of their finances. A bill budgeting and payment platform used by more than 550,000 people to improve their cashflow, Deferit has paid over $400m in bills to date and saved its users over $39m in late fees and biller penalties. Pay upfront or over time in 4 easy installments. Build your credit history with every bill payment. No interest and no late fees, just a simple subscription. ACH, Check, Credit Card or any other method, simply take a photo of the bill and we take care of the rest!

The smartest way to reduce your A/R and get paid quicker. QuickFee provides online payment and e-invoicing solutions to help accounting and legal firms reduce their receivables. You can stop chasing payments and processing checks. Accept online payments as well as 3-12 month payment plans in one convenient payment portal. By offering multiple payment options, you increase your client's spending power and make your services more accessible. Your online payment platform can be completely customized to meet your business's needs. This will allow you to tackle all of your payment challenges. Offer one-time payments or recurring payments via ACH transfers, debit cards, or credit cards. Your customers will be delighted with the flexibility of payment financing. Give your customers the option to spread their payment over 3, 6, 9 or 12 months. Save hours of non-billable time by integrating e-invoicing directly into your practice management software.

You don't need credit and you have easy, flexible payment options so that you don’t have to worry about making those important purchases. Get great deals from over 100 retailers today and apply for a Katapult leasing agreement today. Katapult lease to own allows you to take home up $3,000 worth of essential items like furniture, electronics, home appliances and mattresses. The lease-to-own option is a new way to get the items you want. Choose Katapult for the payment option at checkout. Start your lease-purchase request and once approved, you have the option to pay over time or purchase your items early. You can even return your items. Katapult... A better way to pay. Katapult can't be used for all transactions, only certain items are eligible. Katapult's browser extension cannot be used for in-store transactions.

You can pay at thousands of retailers around the world with one login. Online and in-store. Laybuy makes it easy to pay in-store with your personalized barcode. You can place your order quickly and easily by replacing SMS with notifications. It's now easier to manage your budget and payments. You can keep up to date with any upcoming payments, pay your orders early, or check in to see how much credit is available, all while you're standing in the fitting room. Laybuy's shop directory includes thousands of retailers, including some of the most recognizable names in the world. Get the latest trends and the best deals so you never miss a must-have again.

Credova Financial, a consumer finance platform, integrates directly with the online checkout process to provide customers with multiple financing options through a single application. We want to help you succeed in your business, financing or shopping, whether you are a store owner or a customer.

It has been proven that giving your customers a small credit at the check-out can increase sales, increase basket sizes and reduce cart abandonment. SplitPay allows customers to pay in four equal monthly installments. We pay you fully before the goods are shipped and assume all credit risk. Merchants that use SplitPay see a 20-30% increase in sales volume. No upfront payment and no minimum transaction volume. We take on all the risk of non-payment by the customer. We do not charge any monthly or setup fees, and we settle all transactions daily. SplitPay allows you to sign up quickly and easily without any complicated application forms. Our instant approval process allows you to shop faster. SplitPay customers who pay on time will not be charged any fees or interest.

You can pay in installments. It's simple. You can increase your customer satisfaction and sell more. Watch your sales rise when you install alma. You get paid immediately after your customer pays. The sums are guaranteed, so you don't have to worry about anything. Plug & play: you decide, you start. Sell better. You will sell more. Allow your customers to pay in 3-4 times as easily. You will make them happy and increase your sales. Tell your client yes, he's dying to. Your crush with Alma is fluid, instantaneous. It is so fluid that you don't have to pause to decide whether to go back or do something else. Ease embodied. All you need to do is select Alma when you pay. There is nothing more. Beautiful shops deserve a nice payment. You can buy a new way. We are the solution to changing brands. Those who dare to challenge the norm. Promoting know-how is key to selecting amazing suppliers.

Clearpay is an international payment platform that aims to empower financial wellness for the next generation. Customers receive products instantly, pay in four instalments without interest and are rewarded for timely payment. Clearpay empowers customers to make financial decisions. We don't charge any interest, have no credit checks and there is no catch. Clearpay is a movement that benefits everyone - shoppers and retailers alike. Clearpay is also known as Afterpay in Australia, New Zealand and the United States. We are offered by more than 55,000 of the best retailers worldwide and have more 10 million customers. Clearpay/Afterpay has a mission to create an economy where everyone wins. Today's shopper expects a better way of paying. We make it easy for people who love brands to get what they want. Clearpay is committed to responsible spending. Customers who pay on time will receive a free Clearpay card.

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!