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Four - Buy Now Pay Later Platforms

Top Alternatives to Four - Better Options for 2026

Convenience at your fingertips. Shop now, pay later.

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Trusted by 254,745+ software buyers annually.

Pricing

  • Four offers custom pricing plan

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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.

ToolBest ForPricingRatingFree Option
Four CurrentPayment Processing SoftwareCustom pricing4.7 ★✗ No
PayFlexiPayment Gateway Software$10No reviews✓ Yes
KlarnaPayment Processing SoftwareCustom pricing4.1 ★✗ No
WisetackPayment Processing SoftwareCustom pricing4.7 ★✗ No
AffirmPayment Processing SoftwareCustom pricing4.4 ★✗ No
AfterpayPayment Processing SoftwareCustom pricing4.5 ★✗ No

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Four rating: 4.79 alternatives foundBuyers compare 3–5 alternatives before deciding.

Showing 1-9 out of 9

Top rated

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 - Payment Gateway Software

PayFlexi

Boost sales with personalized payment options.

Try for Free

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✦ Editor’s PickFree plan available

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 ...

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Common Features

No common features

Unique Features

  • Invoice Payment

  • PoS Transactions

  • Recurring Billing

+ 2 more

Pricing

Starts from $10/Month, also offers free forever plan

Klarna - Buy Now Pay Later Platforms

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 - Buy Now Pay Later Platforms

Wisetack

Empowering businesses and customers through flexible financing.

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4.7

(18)

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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 - Buy Now Pay Later Platforms

Affirm

Empowering financial freedom for all.

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4.4

(44)

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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 - Buy Now Pay Later Platforms

Afterpay

Split your payments, expand your possibilities.

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4.5

(34)

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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 - Buy Now Pay Later Platforms

Laybuy

Shop now, pay later with ease.

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4.2

(10)

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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 - Buy Now Pay Later Platforms

Sezzle

Empowering budget-friendly purchases, hassle-free.

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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 ...

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Zip - Buy Now Pay Later Platforms

Zip

Unlock seamless payments and boost sales.

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4.5

(20)

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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 - Buy Now Pay Later Platforms

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 ...

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Common Features

No common features

Unique Features

  • Credit Card Processing

  • Reporting (Analytics)

  • Point of Sale (POS)

+ 1 more

Pricing

Splitit offers custom pricing plan

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

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