PayPal Credit Alternatives and Competitors

Klarna makes shopping smooth with the aim to become the world’s favorite way to shop. It offer products and services to consumers and retailers within payments, social shopping, and personal finances. It turns any purchase into smaller payments.

Four is a technology company that focuses on buy now, pay later and purchase specific financing options. Four operates in the space of eCommerce plugins that allow Retailers to empower their shoppers with payment options.

Layby means you pay instalments and get the item once it's paid off. Buy now, pay later means you get the item straight away then pay it off. Consumer laws protect laybys but not buy now, pay later sales.

At Affirm is using today’s technology to bring significant disruptive innovation to the financial industry. It focus on improving the lives of consumers by delivering simple, honest and transparent financial products. Affirm for merchants: offer customer financing and buy now pay later options for your business

Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay is deeply committed to delivering positive outcomes for customers. It is focused on supporting our community of shoppers.

Splitit is a cutting-edge platform that enables the next generation of Buy Now, Pay Later (BNPL) solutions, specifically through its Installments-as-a-Service platform. Unlike traditional BNPL options, Splitit provides a powerful and effective solution for merchants to create branded installment plans, unlocking BNPL at the point of sale. Splitit helps businesses overcome the challenges associated with legacy BNPL solutions, while also providing a seamless and streamlined experience for card networks, issuers, and acquirers, all through a single network API. With its innovative platform, Splitit is transforming the world of BNPL by empowering merchants to offer flexible payment options to their customers, without the need for extensive integration or complicated software. By offering an intuitive, user-friendly platform that is easy to use, Splitit is poised to revolutionize the world of BNPL and transform the way merchants and customers think about payment solutions.

Payline is a payments solutions provider committed to giving the customers and partners an exceptional customer experience along with the tools and education they need to run their business. Seamlessly integrate with any online shopping cart, existing or new Point-of-Sale platform. Utilize a virtual terminal to key cards in, send invoices, securely encrypt and store data for recurring billing. Brick-and-mortar locations looking to get away from being plugged into the wall while maintaining the benefits. Take payments wherever you go while making it easy for your customers.

Zip's merchants enjoy higher AOV and conversion, more repeat purchases, and immediate payment. It provides instant plug and play integration and frictionless UX. No API integration required. It offers seamless integration with popular tools like WooCommerce, Shopify, BigCommerce and much more.

Checkout.com is a payment management program that has grown in popularity throughout the world over time. It makes no difference where you are because this platform ensures that your international operations are covered. It gives extraordinary flexibility in terms of use, as do all online cloud systems, and the price policy is suited to the needs of each user. PSP products allow internet merchants to accept international payments via a variety of techniques. API connectors allow you to connect to other shopping carts. Order management and checkout flow customization are two digital commerce functionalities. The handling of multiple recurring billing schemes is aided by subscription features. Reconciliation, refunds, chargebacks, tax/VAT management, invoicing, and customer support are all handled by MoR/reseller services. Users can view different elements of their business using the reporting and analytics services. Phone and email support are available.

Wisetack makes it easy for businesses to increase sales by offering consumer-friendly financing options. We have robust APIs for developers, an easy sign-up process for businesses, and a beautifully simple customer experience, all designed to make financing work better.

Sezzle is a certified B Corp that offers financial education and payment options without fees and interest that make it easy for shoppers to budget and manage payments comfortably. It seamlessly integrates with popular tools like Shopify, Shopify plus, WooCommerce and much more.

Credit Key provides superior business credit solutions that can be integrated into a merchant’s shopping cart, keeping users on site. Credit Key’s patent-protected technology delivers quick and easy credit at the point of purchase. Currently, Credit Key supports the following platforms: Magento, IBM, Shopify, Demandware, Onestop, and custom .Net platforms.

Comfi makes it easy to accept payments from customers without having to worry about the risks associated with such transactions. This underwriting and payments collection process is designed to protect from any potential losses. Through our connected data sources are able to accurately assess the creditworthiness of customers without the need to contact credit agencies, which means that their credit score will remain unaffected. With Comfi, user can confidently accept payments from customers without worrying about any risks.