Best Free Buy Now Pay Later Apps

Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go.

Deferit is a bill budgeting and payment platform that has helped over 550,000 people improve their cashflow and pay bills in installments. To date Deferit has paid over $400m in bills and saved its users over $39m in late fees and other biller penalties by ensuring bills get paid on time. Pay upfront or over time in 4 easy installments. Build your credit history with every bill payment. The flexibility to change payment dates to suit your lifestyle. No interest, no late fees, just a simple subscription. Whether the bill needs to be paid by ACH, Check, Credit Card or any other method, simply take a photo of the bill and we take care of the rest!

Clearpay is an international payments platform, built to enable financial wellness for the next generation of shoppers. Consumers receive products immediately, pay in four interest-free instalments and are rewarded for paying on time. With no credit checks, no interest, and no catch, we empower customers to pay in a financially sustainable way. Clearpay is a movement in which everyone wins - shoppers, retailers and society. Known as Afterpay in Australia, the United States and New Zealand we are offered by over 55,000 of the world’s best retailers and have more than 10 million active customers globally. Clearpay/Afterpay is on a mission to power an economy in which everyone wins. Today’s shopper wants a better way to pay. That’s why we’re making it easy for people to get what they want from the brands they love. Clearpay is deeply committed to responsible spending and is always free for customers who pay on time.

Use a single login to pay at thousands of retailers across the globe. Whether in-store or online. Your in-app personalized barcode makes paying by Laybuy in-store quick and easy. SMS are replaced with notifications so you can complete your order in seconds. Managing your payments and budget just got easier. Keep up-to-date with any upcoming payments, pay off your orders early, or just check in to see how much credit you have, all while standing in the fitting room. Laybuy’s shop directory has literally thousands of retailers - with some of the biggest name retailers in the world. Find the latest trends, see the latest deals, and never miss out on that must-have ever again.

Providing your customers a little credit at the checkout has been shown to generate a significant uplift in sales, bigger basket sizes, and a reduction in cart abandonment. SplitPay allows your customers to pay later in 4 equal monthly installments. We pay you in full before the goods ship and take on all customer credit risk. Merchants who start using SplitPay have seen a 20-30% uplift in sales volumes. Nothing to pay upfront and no minimum transaction volume. You get paid in full for the purchase before the goods ship, we take all customer non-payment risks. To get started we do not charge you any setup, establishment, or ongoing monthly fees and we settle all transactions with you daily. SplitPay makes signing up quick and easy with no complicated application forms. Get shopping quicker with our instant approval process. Shoppers paying with SplitPay do not pay any interest and no fees if they pay on time.

With TWINT, Switzerland’s payment app, you can make convenient and secure payments using your smartphone. Our app makes it really easy for you to pay at the cash register, in the supermarket, in the online shop, and when shopping in the farm shop, digitally and cashlessly. The TWINT app can do a great deal more, you can send money to your friends, and purchase tickets from SBB, and clubs can use it as a method of collecting donations. TWINT offers you everything you need in an app to make your way through the day. Digital payments can be made almost everywhere with TWINT. Download the TWINT app for your bank to your smartphone and discover the various functions. We take security and data protection seriously. And it’s not just us, all the Swiss banks that work with TWINT guarantee comprehensive protection. An app that makes life easier. Because you no longer need to worry about payments and everything related to them.

in3 Business is the new payment method in collaboration with Rabobank that allows you to pay for business purchases in 3 parts, without interest or extra costs. You immediately pay a third part. The second instalment you pay within 30 days and the third instalment within 60 days. This way you maintain control over your cash flow, have less risk and you have maximum payment convenience and flexibility. Keep track of your payments and get insights into your spending limit. Never miss another payment thanks to push notifications and have our full catalog of stores available at your fingertips. Choose in3 Business at the checkout of the online store or on a digital invoice and go through the verification process. This only takes 2 minutes. Pay a third of your order immediately. This will then be sent by the seller. You make the second payment within 30 days and the third payment within 60 days.

Your trusted payment companion streamlines and monetizes the entire payment journey. Enhance operations, boost conversions, and improve customer retention. No matter if you are looking for higher conversions, improved customer loyalty, efficiency, or liquidity, our products empower you to optimize every step of your payment journey. Protect and enhance both, your liquidity as well as ongoing, healthy customer relationships with fair and sustainable debt collection services. Predictable liquidity, improved customer retention, and easy onboarding with own, third party, or in-house subscription management platform are only some benefits of our solution for subscription models. Full payment upfront, full payment cycle coverage, streamlined operations, and reduced transaction fees. Digitalize every step of your payment journey with one API, one contract, and one contact, also on an international level.

Gerald is a financial technology app designed to provide users with flexible financial solutions, including interest-free cash advances up to $80, enabling individuals to manage unexpected expenses without incurring additional costs. The app also features a Buy Now, Pay Later option, allowing users to purchase essential household items and mobile plans with the convenience of deferred payments, all without hidden fees or interest. Additionally, Gerald offers a Play to Earn feature, where users can engage in games to earn coins, which can be redeemed for store rewards, further enhancing their purchasing power. Committed to inclusivity, Gerald ensures that both members and non-members have access to affordable household shopping, aiming to empower individuals and families to shop smart, save more, and embrace a brighter financial future.

Payment in installments guaranteed. Simple. Sell more by boosting your customer satisfaction. Install alma and watch sales increase. Your customer pays later, you get paid straight away. You don't worry about anything, the sums are guaranteed. Plug & play: you decide, you start. Sell ​​better. And therefore more. Offer your customers to pay in 3 or 4 times very easily. In addition to making them happy, you will increase your sales, and keep them coming back. Let your client tell you yes (he's dying to). Treat yourself to your crush with Alma is fluid and instantaneous. So fluid that there is no longer any reason to hesitate, to go back or go and do something else. Ease embodied. All you have to do is choose Alma when you pay. Nothing more. Beautiful shops deserve a nice payment. A new way to buy that suits you. We are the solution for changing brands. Of those who choose to defy the ordinary. To get down to choosing amazing suppliers, promoting know-how.

Koverly ensures your bill gets paid on time. You choose the best payment option for your business at checkout. Make online global payments quickly, easily, and securely in 100+ currencies with industry-leading exchange rates. Full transparency on money moving across borders. Send money in over 100 currencies to nearly any country in the world. Check live spot rates online for popular currency pairs. Your vendor gets paid now, you pay 30 days later. When you activate a KoverlyPay account, a portion of your line can be used to get 30 extra days to make FX payments with no interest or fees. Koverly pays your vendor right away and secures your rate. Split payments into smaller 4, 8, or 12-week increments when you choose KoverlyPay at checkout. Koverly adheres to strict security and compliance standards to ensure all your business payments and data are encrypted and secure at all times. Regular staff security, compliance, and privacy training and certifications.

Credova Financial is a consumer financing platform that integrates directly into the online checkout process providing customers multiple financing options with a single application. Whether you are a customer or a store owner, we make it our mission to provide you with the tool and information you need to be successful in your financing, business or shopping experience.

CASHe is India's premier personal loan and credit line app, offering instant loans up to ₹3,00,000 with flexible repayment options ranging from 9 to 18 months. The application process is entirely digital, requiring minimal documentation, and funds are disbursed directly into the user's bank account within minutes of approval. CASHe utilizes a proprietary AI-powered credit scoring system called the Social Loan Quotient (SLQ) to assess creditworthiness beyond traditional credit scores, enabling young professionals without a formal credit history to access financial services. In addition to personal loans, CASHe provides a pre-approved CASHe Limit, allowing users to withdraw funds as needed and repay in easy EMIs, with interest charged only on the utilized amount. The platform also offers Buy Now Pay Later (BNPL) options for shopping on popular online retail stores like Amazon and Flipkart, as well as investment opportunities in digital gold and curated investment products.

Creditea is a new unique BNPL, boosting e-commerce sales by increasing approval rates and margins for merchants, while providing customers with a seamless checkout experience and flexible repayment options. With quick onboarding and a user-friendly Credit Line feature, customers can enjoy convenient shopping with benefits like 0% interest within 30 days and long-term repayment plans. Creditea integrates seamlessly with major e-commerce platforms and is powered by International Personal Finance plc. Partner opportunities are available for interested parties. Discover how Creditea Pay Later can enhance your e-commerce business today!

No credit is required and easy, flexible payment options mean that you don’t have to stress about making those important purchases. Shop great deals now with 100+ retailers and apply for a Katapult lease today. With Katapult lease-to-own, you can take home up to $3,000 in must-have items such as furniture, electronics, home appliances, beds, mattresses, tires, and much more. Our lease-to-own option offers a fresh way to get the things you need. Select Katapult as the payment option in the checkout. Start your lease-purchase application and once approved get the flexibility to pay over time, purchase early or even return your items. Katapult is a better way to pay. Katapult cannot be used for every transaction, only specified items are eligible. The browser extension for Katapult cannot be used to make in-store transactions.