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10 Best AfterPay Alternatives – Buy Now Pay Later Solutions

Online shopping ecommerce

Last Updated on Dec 6, 2023 by Nurul Afsar

Buy now pay later services are becoming increasingly popular these days. You can use their service in your favourite stores, apps, local malls, retail websites, etc. Highly lauded for enabling consumers to afford products and making payments in installments, AfterPay comfortably holds prominence in the eCommerce industry as one of the best BNPL service providers. There are a few other great alternatives to AfterPay if you don’t want to use their service or were rejected by them. Sezzle, Affirm, Zip, Klarna, and SplitIt offer great service for both small and big merchants to help increase the cash flow. If you are looking for AfterPay alternative, we highly recommend these companies.

sezzle logo


If you have an eCommerce store that operates in USA and Canada, you need to check Sezzle’s buy pay later service, which has received an outstanding rating from the shoppers. Just like most other pay later buy now services, this one also allows you to pay in 4 installments over six weeks with zero interest. Besides this feature, they also allow you to get some discounts from their sponsored eCommerce stores. If you have a bad credit score or are struggling financially, you can take their suggestions to make better financial decisions. According to their website, they offer guidance, support, and education to improve your credit while ensuring that you get to have improved buying power.

Sezzle has been endorsed by shoppers for its no interest on purchases option, no hard credit check, and simple & transparent payment plan. You can apply for a loan with a soft credit check that won’t hurt your credit scores. Another good thing is that Sezzle offers instant approval, but you may not qualify for all the purchases that you intend to make. One downside of using Sezzle is it may offer a lower loan to first-time users. That is why we suggest eCommerce sites that sell products that customers buy frequently. If the customers fail to pay on time, Sezzle offers 48 hours to pay back. However, if the customers fail to do that, the company may charge $10 to the customer.

  • Highest shopper rated buy now, pay later solution
  • Runs a soft credit check, doesn’t hurt your credit score
  • 0% interest pay in 4 over 6 weeks solution
  • Quick and easy
  • Instant approval decision
  • Over 47,000 brands work with Sezzle
  • Sezzle grows your business
  • Helps the merchants to improve the cashflow
  • Great for merchants that want a huge product turnover

a guy sitting on sofa using a phone


Affirm is probably the best pay later service provider in the market. This publicly-traded financial technology company from San Francisco, United States, was founded in 2012 and has provided a great solution to both the customers and merchants for a long time. They are very clear with their payment structure and ensure that the customers know what they have to pay and when they will be done paying for good. Small business owners have adopted it to keep the cash flow active, and they benefitted from it. They recently introduced the Debit+ card to allow users to do everyday shopping. The shoppers will be able to split eligible purchases at 0% APR in the Debt+ app. There are just a lot of opportunities for both small and medium-sized merchants to take advantage of this feature. 

Payment Type: 4 installments over six weeks. Visit their policy page for up-to-date information

  • Adaptive Checkout offers better service to both the consumers and merchants.
  • You can have four interest-free payments every two weeks or have monthly payments.
  • They have a browser extension that allows users to make shopping and payment seamless.
  • Users can use Affirm, even if the merchant is not using it. They will offer a one-time virtual card, and the customer will be able to buy it first and then pay it back later.
  • Highly trusted among shoppers

Zip (Quadplay)

Zip aka Quadplay is a pay later service that thousands of eCommerce websites have adopted. Unlike their competitors, they are literally serving customers in many different niches without doing a hard credit check. You can use their service to book a trip, order groceries, pay your bills, buy from Walmart or Amazon, etc. According to their website, they work with thousands of retail partners to offer a better way for customers to pay. If you have been looking for a pay later service for your website but don’t want to force the customers to do a hard credit check, this is a great option. If you are in the fashion industry, you should definitely check Zip. Their small-scale payment scale is very popular among millennials and Gen-Z customers. Some fast-fashion companies like SheIn are exclusive with them and see a high volume in sales.

Payment Type: 4 installments over six weeks. 

  • Some of the top-notch eCommerce sites that use Zip are Amazon, Walmart, Target, GoPuff, eBay, Victoria’s Secret, Costco, and more.
  • No hard credit check
  • Integrate the pa later in minutes
  • No APIs required

Klarna paylater service


Klarna, a Swedish fintech company, specializes in small payments for top retailers that are pushing high-volume products every month. You may think of this as another buy now pay later service, but they are more than that. They have no-interest financing options and no prepayment fees and are available on many top retailing websites. They are currently available in more than 15 countries, serving over 90 million shoppers.

If you are a merchant selling products that cost less than 400 dollars, Klarna should be on your checklist. Unlike its competitors, they are focused more on providing small loan amounts. This is where they outperformed competitors like Affirm. While Affirm focuses more on expensive products, Klarna nabbed the portion of the market where customers are looking for cheap products.

  • No minimum credit score to check for financing
  • Create a virtual card number that can be used for other eCommerce stores
  • Pay using the phone app
  • You can set price alerts in the app for the items that you have saved
  • You will earn rewards via the Vibe rewards club
  • Available to us on over 200,000 retailers


Splitit is an excellent pay later service for eCommerce stores that creates automatic installment payments and charges customers’ credit cards over months. Let’s say you bought a TV for $900 with Splitit; you will pay $150 per month for the next six months instead of paying all on the first day of your purchase. Unlike their common competitors, they work with your existing credit card. Customers can use their existing credit cards and don’t have to create a new one to get their service. As long as the customer has a balance on their credit card, they will be able to access their service. That means you don’t have to submit an application, and there’s no credit check! It is hard to find a pay later service that doesn’t do a credit check, and Splitit beats them there! When your customers are buying a product, they can select the number of payments with zero interest rate at checkout. This ensures the conversion rate is high, keeps the customer happy, and helps boost overall cash flow.

  • No credit check
  • No application
  • Use your own credit card
  • 0% interest
  • Set number of payments
  • Highly trusted by top retailers


Are you looking for a reliable BNPL without worrying about your bad credit score? Perpay is probably one of the best buy now pay later services you could ever find without requiring to check credit history. Spending limits on Perpay are based on your verified income. Perpay was founded in 2014 in Philadelphia, and the company has grown ever since. With over 3 million members, they’ve shown the credibility of their services and were able to satisfy customers by fastly building up their credit score. Recognized as one of the fastest-growing private companies, Perpay is established as a trustworthy BNPL service. On top of all that, with on-time payments, the average increase in credit score with Perpay is 39 points!

Payment Type: Payments from your paycheck

  • Does not check your credit history
  • The spending limit is based on your verified income
  • Allows you to choose payments 4,8,16 or 18
  • Average increase of 39 points in credit score
  • Make automatic payment
  • Shop from over 1000 brands


If you’re trying to increase cash flow for your business, Partial.ly is an excellent service to try as they offer flexible payment options. They allow to seamlessly automate payments based on the customer’s preferences and what payment option is most convenient for them. Partial.ly takes pride in driving economic sales and boosting conversion rates for eCommerce sites. They also allow you to connect existing invoice software to send payment plan offers in bulk which is great for businesses issuing large invoices. Partial.ly’s transparent approach to finances makes them all the more attractive for eCommerce stores to integrate on their websites.  

  • Transparent pricing with no hidden fees
  • Accepts payment in currencies supported by stripe
  • Flexible eCommerce payment plans
  • Seamless integrations on existing e-commerce platforms
  • Automate Communication
  • Industry-leading security
  • Available in over 30 countries


Venue is a premium marketplace that offers a wide range of brand-name products and has been adopted by many eCommerce businesses. What their customers love about them are the many benefits it provides, such as exclusive discounts, a money-back guarantee, same-day shipping, which is ideal for retailers, and more. With flexible payment options, you’ll be able to shop on your terms with no interest! Venue sets itself apart from other BNPL services by offering a wide array of products, including fashion, electrical, homeware products, sports, automotive, and more, at very affordable rates.

  • Flexible Payment Options
  • No interest financing
  • Free shipping & Free return on selected products
  • Get up to 10% back on all purchases through Venue Rewards
  • 24/7 Customer Support
  • 30-day money-back guarantee

Pay in 4 / Paypal 

Known to be one of the biggest payment platforms globally, Paypal doesn’t stop finding ways to help businesses worldwide. Their payment options are straightforward: four interest-free installments paid in six weeks. If you’re already using Paypal, it would be easy to integrate Pay in 4 and manage your payments free from stress. The good thing with Paypal is that you can easily connect with Gen Z PayPal shoppers around the globe with no additional costs, so you could instantly increase your sales and boost average order values. With 377 million active consumers and merchant accounts, Pay in 4 is one of the most promising BNPL options for eCommerce.

Payment Type: 4 installments over six weeks

  • Interest-free payment options
  • Pay-over-time messaging
  • 377 million active users
  • No sign-up fees
  • Most trusted pay-later brand
  • Seamless setup


Tired of getting turned down for credit? Fingerhut is the best solution! It is a formidable company that has helped millions of people by offering low monthly payment options. Making large purchases from eCommerce stores is way more affordable than ever. They even have different credit options: Fetti, for a traditional credit account, and Fingerhut FreshStart for people who are starting. Catering to top brands online, Fingerhut is an excellent BNPL alternative for eCommerce stores to increase cash flow and instantly boost your sales.

  • Low Monthly Payments
  • No application fee
  • No over-limit fee
  • Easy Registration
  • 24/7 customer support
  • Increase web sales for eCommerce
  • Easy Approval

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