Buy Now, Pay Later Services: Providers and Availability Compared
Compare buy now, pay later services by market, repayment model, merchant integration, and availability. Eligibility, credit checks, fees, and consumer protections vary by provider and country.
Last verified: September 9, 2026.
| Service | Market | Model | Merchant Use | Best For | Source |
|---|---|---|---|---|---|
| Affirm | US + selected markets | Installments | Online + retail | Consumer installment purchases | ↗ |
| Afterpay | Selected markets | Installments | Online + retail | Short-term installments | ↗ |
| Alma | Europe-focused | Installments | Online + retail | European merchants | ↗ |
| Atome | Asia-focused | Installments | Online + retail | Asian markets | ↗ |
| Billie | Europe-focused | B2B pay later | Business checkout | B2B commerce | ↗ |
| Bread Pay | US-focused | Installments | Merchant checkout | Retail financing | ↗ |
| humm | Selected markets | Installments | Online + retail | Consumer purchases | ↗ |
| Klarna | Multiple markets | Pay later + installments | Online + retail | Broad BNPL access | ↗ |
| Kredivo | Southeast Asia | Pay later + installments | Online + retail | SEA consumers | ↗ |
| PayPal Pay Later | Selected markets | Pay later + installments | PayPal checkout | PayPal users | ↗ |
| Scalapay | Europe-focused | Installments | Online + retail | European shoppers | ↗ |
| Sezzle | US + selected markets | Installments | Online + retail | Short-term installments | ↗ |
| Splitit | Multiple markets | Card-based installments | Merchant checkout | Credit-card installments | ↗ |
| Tabby | Middle East | Pay later + installments | Online + retail | GCC shoppers | ↗ |
| Tamara | Middle East | Pay later + installments | Online + retail | GCC shoppers | ↗ |
| Zip | Selected markets | Installments | Online + retail | General BNPL users | ↗ |
Features, eligibility, availability and terms can change. Check the ↗ source for current details.
