
Top Alternatives to Four - Better Options for 2026
Convenience at your fingertips. Shop now, pay later.
User Ratings
Trusted by 254,745+ software buyers annually.
Pricing
Four offers custom pricing plan
Four is a Payment Processing Software platform with a user rating of 4.7★ based on 2,513 reviews. Teams looking for alternatives typically need better pricing flexibility, easier deployment, or a closer feature fit for their specific use case. Below you'll find 9 vetted Payment Processing Software alternatives ranked by user rating, with filters to narrow by pricing, platform, and features — so you can find the right fit for 2026.
How we rank: Alternatives are ordered by Spotsaas Spot Score — a composite of user ratings, review volume, and feature coverage — with sponsored placements clearly labeled.
Four vs Top Alternatives at a Glance
Side-by-side comparison of pricing, user rating, and free trial availability to help you shortlist faster.
| Tool | Best For | Pricing | Rating | Free Option |
|---|---|---|---|---|
| Payment Processing Software | Custom pricing | 4.7 ★ | ✗ No | |
| Payment Gateway Software | $10 | No reviews | ✓ Yes | |
| Payment Processing Software | Custom pricing | 4.1 ★ | ✗ No | |
| Payment Processing Software | Custom pricing | 4.7 ★ | ✗ No | |
| Payment Processing Software | Custom pricing | 4.4 ★ | ✗ No | |
| Payment Processing Software | Custom pricing | 4.5 ★ | ✗ No |
Showing 1-9 out of 9

List of the Top Four alternatives as of June 2026
Compare business software, products, and services to find the best solution for your business or organization. Use the filters on the left to drill down by category, pricing, features, market segment, user ratings, and more.
8.0
Spot Score

PayFlexi
Boost sales with personalized payment options.
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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 moreCommon Features
No common features
Unique Features
-
Invoice Payment
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PoS Transactions
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Recurring Billing
+ 2 more
Pricing
Starts from $10/Month, also offers free forever plan

Klarna
Shop smarter with seamless payments and financing.
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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, ...
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Wisetack
Empowering businesses and customers through flexible financing.
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What is Wisetack?
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 ...
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Affirm
Empowering financial freedom for all.
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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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Afterpay
Split your payments, expand your possibilities.
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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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Laybuy
Shop now, pay later with ease.
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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, ...
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Sezzle
Empowering budget-friendly purchases, hassle-free.
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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 ...
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Zip
Unlock seamless payments and boost sales.
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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, ...
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Splitit
Secure, Transparent, and Easy-to-Manage Payment Plans
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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 moreCommon Features
No common features
Unique Features
-
Credit Card Processing
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Reporting (Analytics)
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Point of Sale (POS)
+ 1 more
Pricing
Splitit offers custom pricing plan
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].


