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10 Best Free Four Alternatives in 2026

Explore 10 alternatives to Four — vetted by our editors with real user reviews, pricing, and feature comparisons.

The top free Four alternatives, at a glance

Quick answer

Want the short version? The top Four alternatives are PayFlexi, Zip and Klarna. PayFlexi leads with a SpotScore of 8. See the full comparison of all 10 on score, rating, and price below.

Comparing Four free alternatives doesn't have to be guesswork. These 10 payment processing software options are ranked by SpotScore, which blends verified satisfaction with market presence, alongside ratings and pricing. Each tool clears editorial review. Use the table for a fast comparison, then read the full breakdown below.

ProductSpotScoreRatingPricingBest for
PayFlexiBoost sales with personalized payment options.8Not yet ratedFreefrom $10/moteams of all sizes
ZipStreamline sales with instant spend approvals.7.5Not yet ratedQuotation Basedteams of all sizes
KlarnaShop smarter with seamless payments and financing.—★★★★☆ 4.1(2705)Quotation Basedteams of all sizes
WisetackEmpowering businesses and customers through flexible financing.—★★★★★ 4.77(22)Quotation Basedteams of all sizes
AffirmEmpowering financial freedom for all.—★★★★☆ 4.4(44)Quotation Basedteams of all sizes
AfterpaySplit your payments, expand your possibilities.—★★★★★ 4.5(34)Quotation Basedteams of all sizes
LaybuyShop now, pay later with ease.—★★★★☆ 4.2(10)Quotation Basedteams of all sizes
SezzleEmpowering budget-friendly purchases, hassle-free.—★★★★☆ 4.4Quotation Basedteams of all sizes
ZipUnlock seamless payments and boost sales.—★★★★★ 4.5(20)Quotation Basedsmall & mid-size businesses
SplititSecure, Transparent, and Easy-to-Manage Payment Plans—Not yet ratedQuotation Basedteams of all sizes

8.0

SpotScore

PayFlexi - Payment Gateway Software

PayFlexi

Boost sales with personalized payment options.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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What is PayFlexi?

Introducing PayFlexi, the ultimate payment gateway solution designed to boost your sales by maximizing client conversions. With this platform, customers can easily pay for products and services using personalized installment and payment options. Say goodbye to multiple payment methods as ...

Read more about PayFlexi

PayFlexi offers custom pricing plan

7.5

SpotScore

Zip - Expense Management Software

Zip

Streamline sales with instant spend approvals.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

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What is Zip?

Zip helps merchants maximize their online sales by providing a modern method of spend approvals with instant plug and play integration and streamlined user experience. No more complicated API configurations! Its seamless integration with popular eCommerce platforms such as WooCommerce, Shopify, ...

Read more about Zip

Zip offers custom pricing plan

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Klarna - Buy Now Pay Later Platforms

Klarna

Shop smarter with seamless payments and financing.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.1

2705 verified reviews

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What is Klarna?

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, ...

Read more about Klarna

Klarna offers custom pricing plan

Wisetack - Buy Now Pay Later Platforms

Wisetack

Empowering businesses and customers through flexible financing.

Best for: SMB teams · Mid-market · Enterprise

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4.8

22 verified reviews

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What is Wisetack?

Wisetack is an embedded consumer financing platform that lets businesses offer buy-now, pay-later options for in-person services. The API-driven integration handles the sign-up flow and customer experience end-to-end, so businesses can add financing without building custom payment infrastructure.

Read more about Wisetack

Wisetack offers custom pricing plan

Affirm - Buy Now Pay Later Platforms

Affirm

Empowering financial freedom for all.

Best for: SMB teams · Mid-market · Enterprise

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4.4

44 verified reviews

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What is Affirm?

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 ...

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Affirm offers custom pricing plan

Afterpay - Buy Now Pay Later Platforms

Afterpay

Split your payments, expand your possibilities.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

34 verified reviews

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What is Afterpay?

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 ...

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Afterpay offers custom pricing plan

Laybuy - Buy Now Pay Later Platforms

Laybuy

Shop now, pay later with ease.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.2

10 verified reviews

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What is Laybuy?

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, ...

Read more about Laybuy

Laybuy offers custom pricing plan

Sezzle - Buy Now Pay Later Platforms

Sezzle

Empowering budget-friendly purchases, hassle-free.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.4

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What is Sezzle?

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 ...

Read more about Sezzle

Sezzle offers custom pricing plan

Zip - Buy Now Pay Later Platforms

Zip

Unlock seamless payments and boost sales.

Best for: SMB teams · Mid-market

Get Pricing Details

4.5

20 verified reviews

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What is Zip?

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, ...

Read more about Zip

Zip offers custom pricing plan

Splitit - Buy Now Pay Later Platforms

Splitit

Secure, Transparent, and Easy-to-Manage Payment Plans

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

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What is Splitit?

Splitit is a flexible payment platform that enables shoppers to split purchases into manageable monthly installments using their existing credit cards—without new loans, applications, or added interest. Designed for e-commerce retailers, healthcare providers, education services, and home ...

Read more about Splitit

Splitit offers custom pricing plan

What earned each Four alternative its spot

PayFlexi8Best for teams of all sizes

Personalized payment options

Watch for: May require setup time

Zip7.5Best for teams of all sizes

Instant integration

Watch for: Limited to eCommerce platforms

KlarnaBest for teams of all sizes

Easy to use application for buying items in installments, making shopping convenient.

Watch for: Some users faced issues with verification processes, causing frustration.

WisetackBest for teams of all sizes

Integrates with scheduling/billing software, enhancing visibility and convenience for customers.

Watch for: Older clients may find it confusing and challenging to use Wisetack, requiring additional support.

AffirmBest for teams of all sizes

Provides payment solutions via instalments.

Watch for: Poor online ratings and limited revenue generation for some.

AfterpayBest for teams of all sizes

Convenient payment plans allowing users to spread out payments and manage finances effectively.

Watch for: Limited availability on websites and lack of extended payment plans restrict usage.

LaybuyBest for teams of all sizes

Easy to navigate and user-friendly interface.

Watch for: Limited selection in the Laybuy Marketplace for additional apps and connectors.

SezzleBest for teams of all sizes

No fees or interest

Watch for: Limited to online transactions

ZipBest for small & mid-size businesses

User-friendly and easily navigated, especially for non-professionals.

Watch for: Limited selection in the marketplace for additional apps and connectors may restrict advanced functionalities.

SplititBest for teams of all sizes

Provides flexibility for customers to pay over time with 0% interest and low fees.

Watch for: May have a complex set of features and customizations for new users without sufficient support.

Why teams look for a Four alternative

There are a few common reasons buyers start shopping for a Four alternative:

  • Limited to online retailers
  • Fees may apply
  • Not suitable for all industries

Key things to look for in a Four alternative

Side by side, the 10 free alternatives break down like this: 1 offers a free tier; paid plans run $10, with PayFlexi the cheapest entry point; and Wisetack is the highest rated at 4.77★ across 22 reviews.

How we rank, in short.

Frequently Asked Questions (FAQs)

Stuck on something? We're here to help with all the questions and answers in one place.

The top-rated alternatives to Four are Wisetack (4.8★), Afterpay (4.5★), Zip (4.5★). Compare all 10 alternatives side-by-side above.

When evaluating alternatives to Four, prioritize: Payment Processing, Payments, Online Payments, eCommerce, Payment Gateway, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

Migration difficulty depends on how deeply Four is integrated into your workflows. Most alternatives offer data export/import tools and dedicated onboarding support. We recommend shortlisting 2–3 options, running a free trial, and checking each vendor's migration guides before committing.

How to narrow down your Four alternative

  • On a budget / just exploring: start with a free tier — PayFlexi let you evaluate without paying upfront.
  • If real-user ratings matter most: Wisetack has the strongest star rating (4.77★) among the options with verified reviews.
  • Want the safest pick: PayFlexi has the highest Spotsaas Score (8) in this list — a strong default if you're unsure.

Before you switch from Four

To replace Four smoothly, treat data first. Export it, confirm the new tool can import it, and check feature parity for the work you actually do. Pilot on a free tier before rolling out, and keep Four running until everything has moved over cleanly.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].