List of the Top 9 Buy Now Pay Later Apps for WhenThen in 2025

Shop Pay keeps your key details on file, enabling you to shop without the hassle of repetitively filling out forms. With advanced encryption technology, you can experience a fast and secure checkout process. At the time of purchase, you have the choice to either pay the full amount or break it down into four equal installments at select stores. Moreover, you can also offset the carbon emissions from your deliveries without any additional fees by using Shop Pay, one of the pioneering payment options to reach carbon neutrality. Your sensitive financial data is shielded when you utilize Shop Pay, as you only need to provide your billing and shipping information once, and your email can be used for subsequent transactions. Our platform adheres to stringent industry standards (PCI Compliance) to protect your credit and debit card information, ensuring that each piece of personal data shared is encrypted throughout the entire process. When opting for Shop Pay, you can choose to pay your invoice in full or distribute the cost into four manageable payments at affiliated retailers. Additionally, you can select biweekly payment options or set up automatic payments for further convenience, making your shopping experience even smoother. This ensures that you can shop confidently, fully aware that both your personal information and financial transactions are secure. In essence, Shop Pay not only simplifies your purchasing process but also aligns with eco-friendly practices.

GoCardless stands out as the most reliable online direct debit provider in the UK, simplifying the handling of both recurring and one-time payments. This service is not only economical and secure but also features a straightforward migration process along with clear fee structures. Additionally, GoCardless boasts pre-built integrations with prominent accounting, subscription, and membership software, including Quickbooks, Sage, Zuora, and Online Scout Manager, ensuring seamless connectivity for its users. As a result, businesses can enhance their payment processes with minimal effort.

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.

Clearpay operates as a worldwide payment platform aimed at enhancing the financial health of contemporary shoppers. Customers can immediately acquire products and settle their costs through four equal, interest-free installments, while also receiving perks for timely payments. The service eliminates the need for credit checks and avoids any concealed charges, concentrating instead on encouraging responsible financial behavior. Not only does this initiative empower consumers, but it also supports retailers and contributes positively to the broader community. In regions such as Australia, the United States, and New Zealand, Clearpay is branded as Afterpay and collaborates with more than 55,000 leading retailers, serving a clientele that surpasses 10 million globally. Clearpay/Afterpay's mission is to foster an economic environment where all participants can flourish, responding to the demands of modern consumers seeking improved payment options. By making it easier for customers to access their favorite brands, Clearpay remains steadfast in its commitment to nurturing responsible spending habits, ensuring that those who follow their payment timelines face no additional costs. This dedication to financial empowerment distinguishes Clearpay in the rapidly changing realm of consumer finance, as it continually evolves to meet the needs of its users and the market. As such, the platform not only champions individual financial success but also promotes a healthier overall economic ecosystem.

Enjoy the simplicity of a unified login to facilitate payments at numerous retailers around the globe, whether you are purchasing online or visiting a physical store. Utilizing your customized in-app barcode, making payments with Laybuy in brick-and-mortar locations is incredibly quick and straightforward. Rather than relying on traditional SMS notifications, you will receive alerts that enable you to complete your transactions in just a few seconds. Managing your finances and payment schedules has never been easier; you can keep track of upcoming payments, pay off your orders early, or swiftly verify your available credit, all while you're trying on clothes. Laybuy features an extensive directory of shops, including thousands of retailers with some of the most prestigious brands across various industries. Explore the newest trends, take advantage of exclusive deals, and ensure you never miss out on that essential item again, all conveniently accessible. With Laybuy, the shopping experience transforms into a seamless and pleasurable journey, allowing you to focus on what truly matters—finding exactly what you want.

Boost your sales with ease by utilizing Zip, which was formerly known as Quadpay. You can set up Zip's "pay later" option in as little as 10 minutes without requiring any API integration. Customers love the flexibility of splitting their payments into four installments over a six-week period, which leads to significant benefits for merchants that collaborate with Zip, including higher average order values, improved conversion rates, and increased purchase frequency along with immediate cash flow. With a network that includes over 3,000 exceptional merchant partners, joining the Zip brand community means providing discerning shoppers with greater freedom and flexibility through our buy now, pay later service. The integration is simple; you can either add a few lines of JavaScript code or use one of our available eCommerce platform plugins. Furthermore, Zip offers an outstanding in-store point-of-sale solution that does not require any IT support. Customers can make in-store payments seamlessly through the Zip app, and if you already accept Visa, you are all set to process Zip payments. By merely scanning the QR code, transactions can be completed without any changes needed to your current POS systems. This smooth integration not only helps businesses grow but also enriches the shopping experience for customers, encouraging a win-win scenario for everyone involved. As a result, adopting Zip can position your business for sustained success in a competitive market.

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.

"Paidy" provides an innovative payment solution that removes the necessity for credit cards, effectively reducing cart abandonment rates and enhancing sales by accommodating user preferences. Customers have expressed a clear preference for features like pre-screened credit options, convenience store pre-payments, cash on delivery, and a hassle-free shopping journey, resulting in the creation of over 4 million user accounts. This platform not only fosters customer loyalty but also stimulates sales growth by appealing to a wide array of consumers, including those who do not possess credit cards and the younger audience. By leveraging Paidy, businesses can engage with demographics that typically avoid credit use, particularly younger shoppers. Furthermore, the platform guarantees full transaction deposits, as Paidy takes on the risk of unpaid balances, thus alleviating any financial concerns for merchants. This forward-thinking system empowers businesses to concentrate on expansion without the anxiety of payment unpredictability, creating a more stable environment for both parties. In this way, Paidy is reshaping the purchasing landscape, paving the way for a future where alternative payment methods gain even more traction.

Discover a revolutionary shopping experience with Klarna, where personalized recommendations, exclusive deals, and diverse payment options await you. Our services are exclusively accessible via the Klarna app, making it a preferred choice for shoppers nationwide. Renowned American brands leverage Klarna to elevate their customers' shopping experiences, guaranteeing a seamless journey from start to finish. We take pride in delivering the most efficient shopping experience available, with our extensive range of payment methods outshining those of any competitor. This results in higher conversion rates and increased cart sizes for your business. You receive full payment instantly, while your customers benefit from the convenience of deferred payments. Collaborating with Klarna goes beyond merely adopting modern payment solutions; we are committed to enhancing the overall shopping experience for your clients. Our expansive global reach means that no matter where your business operates, you can provide payment options tailored to local customer preferences, fostering happiness for your customers alongside your products, which ultimately cultivates increased satisfaction and loyalty in the long run. Additionally, Klarna continuously seeks to innovate its offerings, ensuring that both merchants and shoppers have access to the best possible tools for an enjoyable shopping experience.