Four Alternatives and Competitors

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.

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.

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.

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.

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.

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

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.

PayNet software is an payment gateway for business. The software offers Online Invoicing tool to accept payments online and supports a wide range of currency acceptance across the globe. All transactions are routed to local Nodal account and then transferred directly to the merchant bank account registered. SME, eCommerce sectors make use of the software.

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.

PayFlexi is a smart payment gateway solution, developed to increase the number of sales you close by increasing client conversion. It enables the consumers to pay for items and services using personalized layaway and payment arrangements. With PayFlexi, all of the various payment methods you need to close more sales are all available on one platform. It allows the user to provide a fully customizable payment choice to their clients. Users get personalized installment plans, one-click checkout, free storefronts with payment pages using this platform. It assists the user with e-commerce businesses by providing their clients a path to pay over time. It further helps in increasing sales by allowing customers to pay in a variety of ways. PayFlexi connects with a variety of major ecommerce platforms, systems, and plugins, like Shopify, QuickBooks, Gravity, Opencart, Woo Commerce and much more. You can also split high value invoices into small investments along with enabling bookings and appointments for your customers.

PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your account with PayPal giving you the flexibility to pay for your purchases right away or pay over time. It's easy to apply, easy to use and there whenever you need it.

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.