List of Buy Now Pay Later Platforms for SMBs in 2025

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List of the Best Buy Now Pay Later Platforms For Small Business as of June 2025

Wisetack

Empowering businesses and customers through flexible financing.

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4.7

(18)

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Product Description

Wisetack provides businesses with the perfect solution for increasing sales with its consumer-friendly financing options. Our user-friendly, API-driven platform ensures a seamless sign-up process and a simple customer experience for businesses, developers, and customers alike. Customers can ...

Pricing

Wisetack offers custom pricing plan

Four

Convenience at your fingertips. Shop now, pay later.

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4.7

(7)

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Product Description

Four is an innovative tech company focusing on giving customers the option to buy now and pay later as well as a variety of purchase financing solutions. We design eCommerce plugins that enable Retailers to offer their customers a diverse range of payment options for a more convenient shopping ...

Pricing

Four offers custom pricing plan

Zip

Unlock seamless payments and boost sales.

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4.5

(20)

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Product Description

Zip's platform allows merchants to enjoy increased conversion rates, stabilized customer loyalty, and no-delay payments. It's simple to set up without API integration required, offering compatible solutions with WooCommerce, Shopify, BigCommerce, and more. Experience complimentary, ...

Pricing

Zip offers custom pricing plan

Afterpay

Split your payments, expand your possibilities.

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4.5

(34)

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Product Description

Afterpay enables customers to acquire what they need and want, while simultaneously building strong financial wellbeing and managing their expenses, by splitting the payments up over four installments, for online and in-store purchases. This innovative solution is dedicated to granting our ...

Pricing

Afterpay offers custom pricing plan

Sezzle

Empowering budget-friendly purchases, hassle-free.

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4.4

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Product Description

Sezzle is an accredited B Corp that simplifies the payment process for buyers with budget plans and finance options with absolutely no fees or interest! Customers can easily integrate Sezzle with renowned platforms, like Shopify Plus, WooCommerce and more, to improve sales and gain new ...

Pricing

Sezzle offers custom pricing plan

Affirm

Empowering financial freedom for all.

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4.4

(44)

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Product Description

Affirm is a revolutionary financial service employing advanced technology to create disruption in the industry. We put customers first by offering financing solutions that are simple, straightforward and free of hidden charges. Our Affirm for Merchants program arms business owners with the ...

Pricing

Affirm offers custom pricing plan

Laybuy

Shop now, pay later with ease.

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4.2

(10)

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Product Description

Laybuy lets you get the purchases you want now and pay in six instalments with no interest! No more waiting - this stress-free payment plan is a great option for those that want to shop and pay later. Unlike buy now, pay later services, you'll get full protection from consumer laws with Laybuy, ...

Pricing

Laybuy offers custom pricing plan

Klarna

Shop smarter with seamless payments and financing.

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4.1

(2705)

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Product Description

Klarna helps make shopping simpler and more enjoyable by allowing customers to track their purchases, make payments and log into their account with ease. With the goal of becoming the preferred way to shop around the world, it offers unique products and services in relation to payments, ...

Pricing

Klarna offers custom pricing plan

PayPal Credit

Simplify your payments, unlock your potential.

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3.7

(70)

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Product Description

PayPal Credit is a powerful line of credit that provides convenience and control over your finances. With no annual fees and a flexible payment plan, you have the freedom to pay for your purchases immediately or over time. Get an instant credit line with easy and secure application process that ...

Pricing

Splitit

Transforming the way you Buy Now, Pay Later.

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Product Description

Splitit is an industry-leading platform that enables superior Buy Now, Pay Later services for businesses with its Installments-as-a-Service technology. Bypassing the challenges of traditional BNPL services, Splitit allows merchants to effortlessly generate branded payment plans at the checkout. ...

Pricing

Splitit offers custom pricing plan

Comfi Payments

Secure payments made easy, without credit check.

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Product Description

Comfi Payments ensures you can accept payments securely and quickly. Our integrated data sources allow us to accurately assess each customer without consulting credit agencies, so their credit score won't be impacted. With Comfi, you can confidently collect payments - no more worrying about ...

Pricing

Credit Key

Accelerate B2B payments with Credit Key.

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Product Description

Credit Key enables businesses to integrate payments convenience and speed of B2C transactions into their own B2B checkout process. This innovative product is patent-protected and streamlines the order fulfillment process by allowing shoppers to complete their payment quickly in the moment. ...

Pricing

Credit Key offers custom pricing plan

Best Buy Now Pay Later Platforms For Small Business

Wisetack

Empowering businesses and customers through flexible financing.

Wisetack provides businesses with the perfect solution for increasing sales with its consumer-friendly financing options. Our user-friendly, API-driven platform ensures a seamless sign-up process and a simple customer experience for businesses, developers, and customers alike. Customers can ...

Four

Convenience at your fingertips. Shop now, pay later.

Four is an innovative tech company focusing on giving customers the option to buy now and pay later as well as a variety of purchase financing solutions. We design eCommerce plugins that enable Retailers to offer their customers a diverse range of payment options for a more convenient shopping ...

Zip

Unlock seamless payments and boost sales.

Zip's platform allows merchants to enjoy increased conversion rates, stabilized customer loyalty, and no-delay payments. It's simple to set up without API integration required, offering compatible solutions with WooCommerce, Shopify, BigCommerce, and more. Experience complimentary, ...

Afterpay

Split your payments, expand your possibilities.

Afterpay enables customers to acquire what they need and want, while simultaneously building strong financial wellbeing and managing their expenses, by splitting the payments up over four installments, for online and in-store purchases. This innovative solution is dedicated to granting our ...

Sezzle

Empowering budget-friendly purchases, hassle-free.

Sezzle is an accredited B Corp that simplifies the payment process for buyers with budget plans and finance options with absolutely no fees or interest! Customers can easily integrate Sezzle with renowned platforms, like Shopify Plus, WooCommerce and more, to improve sales and gain new ...

Affirm

Empowering financial freedom for all.

Affirm is a revolutionary financial service employing advanced technology to create disruption in the industry. We put customers first by offering financing solutions that are simple, straightforward and free of hidden charges. Our Affirm for Merchants program arms business owners with the ...

Laybuy

Shop now, pay later with ease.

Laybuy lets you get the purchases you want now and pay in six instalments with no interest! No more waiting - this stress-free payment plan is a great option for those that want to shop and pay later. Unlike buy now, pay later services, you'll get full protection from consumer laws with Laybuy, ...

Klarna

Shop smarter with seamless payments and financing.

Klarna helps make shopping simpler and more enjoyable by allowing customers to track their purchases, make payments and log into their account with ease. With the goal of becoming the preferred way to shop around the world, it offers unique products and services in relation to payments, ...

PayPal Credit

Simplify your payments, unlock your potential.

PayPal Credit is a powerful line of credit that provides convenience and control over your finances. With no annual fees and a flexible payment plan, you have the freedom to pay for your purchases immediately or over time. Get an instant credit line with easy and secure application process that ...

Splitit

Transforming the way you Buy Now, Pay Later.

Splitit is an industry-leading platform that enables superior Buy Now, Pay Later services for businesses with its Installments-as-a-Service technology. Bypassing the challenges of traditional BNPL services, Splitit allows merchants to effortlessly generate branded payment plans at the checkout. ...

Comfi Payments

Secure payments made easy, without credit check.

Comfi Payments ensures you can accept payments securely and quickly. Our integrated data sources allow us to accurately assess each customer without consulting credit agencies, so their credit score won't be impacted. With Comfi, you can confidently collect payments - no more worrying about ...

Credit Key

Accelerate B2B payments with Credit Key.

Credit Key enables businesses to integrate payments convenience and speed of B2C transactions into their own B2B checkout process. This innovative product is patent-protected and streamlines the order fulfillment process by allowing shoppers to complete their payment quickly in the moment. ...

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