List of the Top 7 Buy Now Pay Later Apps for Salesforce Commerce Cloud in 2025

Affirm provides a payment-over-time solution that eliminates financial obstacles for consumers, enabling merchants to experience an impressive 85% boost in average order values and a 20% increase in repeat purchasing. This mobile-optimized, multichannel platform is designed for seamless integration in various settings, including e-commerce, physical stores, and telesales, equipping merchants with the essential tools to offer flexible payment options to their customers. The process is straightforward: first, customers must share a few crucial details for an instant decision. They have the freedom to select their preferred payment plan, with options available from 3 to 36 months, allowing for greater financial flexibility. Additionally, Affirm ensures a swift settlement within one day while assuming all risks associated with fraud and expensive chargebacks, effectively alleviating any concerns for merchants. This risk-free environment encourages businesses to adopt innovative payment solutions without the fear of potential losses.

Balance is the pioneering self-service checkout solution that effectively handles all B2B payment intricacies. This encompasses a variety of payment methods, including wires, checks, SaaS subscriptions, automatic vendor payouts, milestone payments, net terms, and more. Designed with an API-first approach, it provides seamless access to documentation for integration. You can accept a multitude of payment types, such as wires, ACH, credit cards, and checks. With instant and risk-free net terms, customers can enjoy payment terms of net 30 or 60 days, while you receive your funds immediately. Recurring payments are made effortless, allowing for simple management of ongoing invoice payments akin to standard credit card transactions. Balance is tailored to meet the diverse needs of B2B payments, making it an excellent choice for marketplaces, wholesalers, merchants, SaaS providers, and service-oriented businesses. With self-serve invoicing, customers can conveniently access and settle their invoices with just a click, enhancing user experience. Additionally, the system automates reconciliation and collections, leaving behind the outdated manual processes that many businesses still rely on today.

Sezzle, a public-benefit corporation located in Minneapolis, Minnesota, is dedicated to empowering the financial futures of the younger generation. Recognized as the top-rated Buy Now, Pay Later service, Sezzle provides millions of consumers in the U.S. and Canada with opportunities for financial autonomy, enhanced spending control, and increased accountability. With Sezzle, shoppers can split their payments into four installments over six weeks when they shop from a network of over 17,500 online retailers. Additionally, users have the option to defer their payment once without incurring any charges, while late payment penalties amount to $10. Sezzle positions itself as a financially responsible alternative for consumers looking to buy now and pay later. For merchants, the advantages include higher conversion rates, increased average order value, and more frequent shopping visits. The icing on the cake is that Sezzle takes on the risks associated with fraud and chargebacks, as well as the responsibility for repayments. This setup creates a mutually beneficial scenario for all parties involved. By fostering trust and accountability, Sezzle not only enhances consumer experiences but also supports merchants in driving sales growth.

Guaranteed installment payments simplify the process of enhancing customer satisfaction while increasing sales. By adopting Alma, businesses can experience a notable rise in revenue, as customers benefit from the ability to defer payments, all while merchants receive their funds right away. There’s no need for worries; the figures are secure and dependable. It’s an easy-to-implement solution that allows you to maintain control and start whenever you wish. Elevate your sales performance by effortlessly providing your customers the option to pay in three or four installments, which not only pleases them but also fosters repeat purchases, making them more likely to return. Let your clients show their enthusiasm—they are ready to agree! Utilizing Alma is straightforward and instantaneous; it’s so convenient that there’s truly no justification for delaying or considering other options. Enjoy a seamless experience by simply choosing Alma at checkout—nothing more is needed. Retail spaces that are aesthetically pleasing deserve sophisticated payment solutions. Adopt a contemporary purchasing approach that meets your specific needs. We are the preferred partner for brands eager to innovate and disrupt traditional methods, dedicated to collaborating with exceptional partners and highlighting quality craftsmanship. Explore the remarkable benefits of streamlined transactions with Alma today, and see how it can revolutionize your business interactions. Embrace the future of payment solutions and watch your customer loyalty flourish.

Credit Key facilitates rapid approval for business clients during e-commerce checkout, allowing for enhanced monthly payment terms. This adaptability in payment options leads to increased order volumes, a greater number of transactions, and improved customer satisfaction. Additionally, Credit Key employs a distinctive B2B underwriting methodology that allows for the immediate assessment of businesses, enabling the provision of more substantial credit at the moment of sale. Consequently, this innovative approach not only enhances cash flow for businesses but also fosters long-term customer loyalty.

At Afterpay, we have transformed the way payments are made by establishing a fairer way to facilitate purchases. Our vision is to link desirable consumers with fitting retailers, creating a scenario that benefits everyone involved. Unlike traditional buy-now-pay-later services, Afterpay offers a clear and simple process that does away with credit checks, interest fees, hidden charges, and any unpleasant surprises. We grant shoppers the gift of transparency, enabling them to monitor their expenditures without the worry of unforeseen expenses. We encourage you to partner with us in fostering more favorable outcomes for consumers. New users can obtain an approval decision in mere minutes, allowing them to finalize their purchases while you receive full payment immediately—truly a mutually advantageous arrangement. Customers repay in four equal installments every two weeks directly to Afterpay, with no interest incurred and no additional fees as long as they adhere to the payment schedule. Our faith in the inherent goodness of individuals motivates us to trust our customers to meet their commitments. This philosophy not only cultivates a culture of responsible spending but also nurtures enduring connections between consumers and retailers, ultimately enriching the shopping experience for all. By working together, we can further enhance this positive cycle of trust and support in the marketplace.

Boost your sales and expedite growth with Bread’s all-encompassing strategy, which helps you reach a wider audience by enabling customers to apply for and complete their purchases with financing directly on your website. By giving customers the ability to pre-qualify for financing from any page, you enhance their shopping experience and empower them with greater purchasing power. Shoppers can effortlessly navigate, pre-qualify, and finalize their transactions from various sections of your site, including the homepage, category pages, product descriptions, shopping cart, or during checkout. By tailoring pricing to fit the shopper’s preference for monthly payments, you can significantly drive sales and increase the average order value. This hassle-free approach allows customers to pre-qualify in just seconds without leaving your website, ensuring a smooth and user-friendly journey. With minimal information required, shoppers can find out their rates without affecting their credit scores, receiving instant feedback on their pre-qualification status to gauge their purchasing potential in real-time. Bread ensures that customers remain engaged on the same page, providing an uninterrupted experience throughout their buying journey, which in turn boosts both customer satisfaction and loyalty. This forward-thinking method not only streamlines the financing process for your customers but also nurtures a more lucrative business environment, creating a win-win situation for both parties involved. As a result, your business can thrive while customers enjoy a seamless and supportive shopping experience.