Alternatives to Afterpay
Compare Afterpay alternatives for your business or organization using the curated list below. SourceForge ranks the best alternatives to Afterpay in 2026. Compare features, ratings, user reviews, pricing, and more from Afterpay competitors and alternatives in order to make an informed decision for your business.
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1
Localize
Localize
Localize's no-code translation management platform gives organizations the tools they need to launch multilingual experiences in minutes - not months. AI-powered workflows allow teams to easily translate all their digital assets and content in one dashboard: web apps, websites, UIs, marketing materials, SEO metadata, help docs, status pages, and more. Designed for agility and scalability, Localize excels when: - Automation is a critical component for translating dynamic content - Speed of time-to-market and cost reduction are key measures of success - Workflows must be intuitive enough for non-technical team members to use - Compatibility with existing tech stacks is crucial Localize's intuitive UI is built for any user: marketers, engineers, product specialists, localization professionals, and more. Thousands of innovative teams at companies like Cisco, Intuit, Atlassian, Discord, and Afterpay trust Localize to fuel their global success.Starting Price: $50/month -
2
Affirm
Affirm
Affirm is a pay-over-time solution that helps remove price as a barrier for shoppers, enabling merchants to see an 85% increase in average order value and 20% repeat purchase rate. Affirm’s mobile-friendly, omnichannel solution is optimized for e-commerce, in-store transactions, and telesales. Affirm provides the tools merchants need to easily integrate pay-over-time options for shoppers. Here's how it works: 1. Your customer enters a few top-of-mind pieces of information for a real-time decision. 2. Flexible payments. Customers pick their payment plan, with options ranging from 3‑36 months. 3. We settle within one business day and take on risk, from costly chargebacks to fraud. Zero risk to you. -
3
Happy Returns
PayPal
One-click suggestions encourage exchanges over refunds. Customers save an average of 20% their first year, 10% guaranteed. In-person returns delight customers and raise lifetime value. Eco-friendly reverse logistics save money and amplify your values. Keep more sales with returns software that intelligently suggests exchanges. Give shoppers choices to return the way they want—at our 700+ Return Bars nationwide, at your store, and by mail. Dramatically lower reverse logistics costs, guaranteed, with bulk shipping and efficient processing at our bicoastal hubs. Retailers overspend on traditional reverse logistics. They save 20% on average when they accept exchanges and returns in person, and ship aggregated items in bulk. Three in four shoppers say returns are the most painful part of buying online, and 87% won’t shop ever again after a painful returns’ experience with a retailer. Conversely, Happy Returns' customers find their most valuable customers shop, return, and exchange.Starting Price: $350 per month -
4
Alipay
Alibaba Group
Experience fast, easy and safe online payments. Alipay is the world's number one mobile payment service organization and the second largest payment service organization in the world. Alipay is owned by Alibaba Group. -
5
Bread
Bread
Sell more. Grow faster. Bread’s full-funnel approach helps you reach more shoppers by giving them the option to apply and check out with financing anywhere on your site. Give your shoppers access to greater purchasing power with the ability to pre-qualify for financing and check out from any page on your site. Your shoppers can discover, pre-qualify, and check out from anywhere—your homepage, category page, product page, cart, or checkout. Transform pricing using the shopper’s personalized per-month price to boost sales and increase average order value. Let your shoppers pre-qualify in seconds without ever leaving your site, giving them a seamless and frictionless experience. Shoppers can get their rate by entering just a few pieces of information, all without affecting their credit. Your shoppers learn if they are pre-qualified and understand their purchasing power in real time. Bread doesn’t take the shopper off the page or redirect to another site, ensuring a smooth user experience -
6
Clearpay
Clearpay
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. -
7
Flex Pay
Upgrade
Flex Pay (formerly Uplift) is that little friendly boost you need to make the incredible happen, without incredible stress to your finances. We make our payment plans straightforward, so they stay simple and surprise-free with no debt traps or compound interest. And most importantly, Flex Pay gives you the option to adjust payments when life happens and you need some added flexibility with your finances. Choose Flex Pay as your payment method at checkout and enter a few pieces of information. Select the payment plan that works best with your budget then finish making your purchase. Feel good about your decision and pay over time with easy, fair, straightforward payments, and with AutoPay, it gets even easier with no payment dates to remember. -
8
Gerald
Gerald
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.Starting Price: Free -
9
Klarna
Klarna
The shortcut to shopping. Get personalized inspiration, exclusive deals and the freedom to pay how you prefer. Only in the Klarna app. Payment experiences shoppers love. America’s biggest brands use Klarna to elevate their shopping experiences. Our services are built to create a smoooth (yes, with 3 o's) shopping experience from beginning to end. Plus, we offer more ways to pay than any other provider. This means more conversions and bigger basket values for you. You get paid right away, in full, while your customers get the option to pay later. When you team up with Klarna you get more than just a set of modern payment methods. We work to enhance the full customer shopping journey. We follow your global enterprise anywhere across the world, making sure you offer a payment solution that supports you, is locally adapted, and delights your users as much as your wares do. -
10
Splitit
Splitit
Splitit powers the next generation of Buy Now, Pay Later (BNPL) through our merchant-branded Installments-as-a-Service platform. We solve the challenges businesses face with legacy BNPL while unlocking BNPL at the point of sale for card networks, issuers and acquirers, all through a single network API. Shoppers can split their purchases into up to 36 interest-free monthly payments using their existing Visa or MasterCard. Shoppers get the chance to try out items for up to 90 days and then decide if they are going to keep it. After they decide, shoppers can then go ahead and pay in in full, or start an installment-payment plan. Shoppers who do not have a sufficient available balance on one card have the option to split their installment payments on two different credit cards. This feature allows for the shopper to get what they want and not have to apply for another credit card or go into debt.Starting Price: 1.5% + $1.50 per installment -
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Ratepay
Ratepay
Ratepay operates in financial services as a direct provider of White Label Buy Now, Pay Later (BNPL) products in Germany, Austria, Switzerland, and The Netherlands. The company enables large online retailers (merchants and marketplaces such as Ebay, IKEA, Eurowings, ShopApoteke, Flyeralarm, or About You) to offer end-customers (buyers) the possibility to pay for products or services via open invoice, direct debit, or in installments. Being natively integrated at checkout, Ratepay is invisible to the buyers and does not dilute the merchant’s brand and trustworthiness. Buyers are not required to abandon the checkout interface and create an additional account or download an app and therefore, constantly remain in the brand world of the merchant. This leads to a higher conversion rate, an increased average basket size, and more repeat purchases. -
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Paythen
Paythen
Paythen makes it easy and painless to offer flexible payment plans or installment payment plans for your product or service to customers in 120+ counties and currencies, while built-in automations reduce busy-work, admin and support time. No code or technical know-how needed. Just connect your Stripe account and get started in under a minute. With Paythen, you're in control of how you offer payment plans - you choose the billing intervals, amounts, fees, and lots more. Once you create a plan, you get an easy payment link that works anywhere – on social, email, your website or anywhere your customers are. In addition to payment plans, you can also collect one-off payments, offer subscriptions or use our unique "Pay your way" plan to let your customers choose between paying upfront or via a payment plan. Paythen is a better alternative than buy now pay later companies with lower fees, more control, your brand, and more flexibility. Paythen works with Stripe.Starting Price: 1.25% per transaction -
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Sezzle
Sezzle
Based in Minneapolis, Minnesota, Sezzle is a public-benefit corporation on a mission to financially empower the next generation. Sezzle’s #1-shopper-rated Buy Now, Pay Later product enables millions of shoppers across the United States and Canada to take control of their spending, be more responsible, and gain access to financial freedom. Serving more than 17,500 online merchants, Sezzle allows shoppers to make their purchase today with 4 payments over the following 6 weeks, interest-free! Sezzle also offers customers the option to reschedule their payment once for free, and the max fee for late payment is $10. Sezzle is the financially responsible solution to buy now, pay later. What's in it for merchants? Increased conversions, AOV, and shopper frequency. The best part? Sezzle takes on all the risk of fraud, chargebacks, and repayment. It's a win, win, WIN. -
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Deferit
Deferit
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!Starting Price: $14.99 -
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xPay
xPay
xPayCheckout is a cross-border payment gateway and international billing operations platform designed to help businesses accept and manage payments globally with minimal complexity by providing a unified solution for payment processing, subscriptions, invoicing, and receivables management that works across 100+ countries and supports 30+ currencies and 40+ local payment methods including cards, wallets, and BNPL options such as Apple Pay, Google Pay, PayPal, Klarna, and Afterpay. It simplifies revenue operations for SaaS, ecommerce, travel, ed-tech, and other sectors by enabling companies to seamlessly collect one-time payments and recurring subscriptions, create payment links without developer involvement, and monitor transactions in real time with built-in reporting and analytics. xPay also includes features like virtual bank accounts in multiple markets, global sales tax automation, automated compliance, and instant access. -
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ChargeAfter
ChargeAfter
By connecting to multiple lenders across the ChargeAfter network, merchants can now deliver instant and personalized point of sale financing offers to consumers, built around their unique credit needs. In financing, there is no “One size fits all.” ChargeAfter helps merchants offer the best consumer financing options to their shoppers at checkout while approving up to 85% of applications. ChargeAfter provides full performance and detailed transaction reporting from an easy to understand dashboard. See every transaction, from each lender – historically and as it happens live. Easily settle, upsell, refund and credit transactions at a click of a button. ChargeAfter is a flexible multi lender consumer financing platform. Your business is flexible too. Offer financing wherever your shoppers are. Online, In-store and over the phone. -
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@Pay
@Pay
@Pay is a DEFI (Decentralized Finance) protocol that is the first BNPL (Buy Now Pay Later) platform built integrating blockchain technology with its own cryptocurrency. @Pay will offer significant cost savings to all participants in the ecosystem by utilizing smart contract technology and blockchains. @Pay aims to be a key participant in offering DEFI eCommerce and in-store solutions to shoppers and merchants. @Pay will also allow users to pay for their shopping with any approved cryptocurrency that they hold in their @Pay wallet. Shoppers will be rewarded through a program that is built on allowing all contributors to the ecosystem to benefit. @Pay is powered by the @Pay token which will be used as a mechanism through which the protocol is governed. A broad distribution across the entire ecosystem including users, merchants and marketplaces will ensure that all participation is rewarded. -
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SplitPay
SplitPay
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.Starting Price: Free -
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Zip
Zip Co
Instantly boost sales with Zip (formerly Quadpay). Integrate Zip's “pay later” platform in 10 minutes, no APIs required. Reap the rewards. Customers love the flexibility of splitting their payments into 4 installments over 6 weeks. In turn, Zip's partner merchants enjoy higher AOV and conversion, more repeat purchases, and immediate payment. Zip exclusive merchants. Here are just a few of our over 3,000 incredible merchant partners. Join the Zip brand community. Our buy now, pay later platform is designed to give savvy shoppers more freedom and flexibility. Easy front-end integration. Use a few lines of javascript code or one of our eCommerce platform plugins. Zip In-Store. A seamless in-store POS solution with zero IT support required. Customers pay with the Zip app in-store. If you accept Visa, you’re already capable of accepting Zip today. Just scan the QR code to process payment. No code changes or integrations with POS systems required -
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ZoodPay
ZoodPay
With ZoodPay, you can shop online and in stores and pay in 4 installments over a period of 90 days, with zero interest & no fees! Choose ZoodPay as your payment method at checkout. Enter your personal information and register your credit or debit card details. Get instant approval and pay for your order into 4 equal installments. With ZoodPay you don’t have to worry about that! You can purchase products on the ZoodMall app or at hundreds of online stores offering the ZoodPay ‘Buy Now, Pay Later’ payment option. Approval is instant and it is all online! You pay for your purchases in your local currency with the flexibility of receiving the goods first and paying for them later in either 14 days, or in four to six installments, without incurring any interest or fees. -
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Capital Float
Capital Float
Founded in 2013, Capital Float is India’s leading buy-now-pay-later and credit platform serving the financial needs of salaried & self-employed individuals. We offer quick finance to consumers shopping online through numerous partnerships with A-list brands. We also provide digital credit to individuals for their personal and business needs. Get a customized renewable credit facility in real-time on your phone. Capital Float is the preferred finance partner for thousands of self-employed individuals in India. Our short-term digital loans help these small businesses to break limits and achieve quick growth. Our expertise enables us to create cutting-edge credit products for small businesses that may not have availed of formal finance in the past. BNPL facility that makes shopping affordable and enjoyable. Quick, collateral-free finance for personal and business needs. Apply from anywhere at any time whilst connected to the internet. -
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Humm
humm
Our product ecosystem of buy now pay later, credit cards, and business financing products has been designed around the core needs of today’s shoppers, retailers, and small and medium enterprises. We have developed platforms for buying – or leasing – everything. Get more customers. Become a hummbusiness partner. Increased income Up to 30% more sales volume and up to 80% repurchase rate. Payment upfront Guaranteed settlement next business day. No refund fees We return our fee on items returned to your store. Fully Integrated. Whether your business is large or small, online, walk-in or any combination, humm can twist to fit. We support instant online integration with key e-commerce providers. Direct REST API for marketing and pricing widgets is also available for bespoke builds. POS integration is available for the following POS platforms and terminals. Integration delivers a fast and simple process for customers and staff. -
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tabby
tabby
With tabby, shopping is more rewarding. Split your purchases into 4 interest-free payments or earn cashback at your favourite stores (or both). Shop now and pay later by choosing tabby at checkout to split your purchases into 4 interest-free payments, billed monthly. With the tabby app, you can shop now, pay later and earn cash, with no interest, fees or hidden costs of any kind. tabby's shopping experience removes price as a barrier. Turning browsers into buyers, increasing average order value, and expanding your customer base. Shop at partner brands you love on tabby's website or app and earn cash you can withdraw. Whether you pay with tabby or not. tabby makes shopping more rewarding by empowering people with the flexibility and freedom to get what they want. tabby lets you shop now, pay later and earn cash, without the interest, fees or debt traps. Over 2,000 global brands and small businesses, including Adidas, IKEA, SHEIN, and Marks & Spencer use tabby to accelerate growth. -
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iwocaPay
iwoca
B2B payments built by the experts. Offer approved trade customers flexible payment options and spending limits up to £30,000. We’ve partnered with the biggest names in ecommerce and accounting software so you can easily accept business payments and unlock growth by offering Buy Now Pay Later to your trade customers. Take all your payments through iwocaPay for free or stand out from the competition and give your trade customers interest free extended terms - for all of them, or just a special few. -
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Hokodo
Hokodo
A Buy Now, Pay Later Solution for B2B. Sell more and grow your business by providing your B2B customers with the ability to Buy Now, Pay Later at checkout. Hokodo is the modern way to offer trade credit to your customers. Keep customers in the funnel and boost sales by offering instant credit terms. Our real-time underwriting means no lengthy credit checks, and customers can access payment terms instantly, even on their first purchase. No more worrying about your cash flow. We pay you following delivery of the goods. We also take care of collections and chasing late payments on your behalf. Your business is protected against credit and fraud risks including non-payment, ID theft, chargebacks and outright insolvency of your customers. 73% of B2B buyers say they prefer buying online. We think they deserve the same frictionless checkout experience that consumers already get. -
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Creditea
International Personal Finance
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!Starting Price: $0 -
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Zinia
Santander Group
Zinia is the new ‘Buy Now, Pay Later’ platform of the Santander Group with over two million customers across Europe. Zinia makes shopping simple, offering the possibility of splitting payments into interest-free installments in a fast and transparent way. The platform is available both for in-store and online purchases at participating businesses with offline functionality coming soon. Make your products more affordable with our interest free payment solutions. Increase sales by offering customers more flexibility when paying. Our flexible payment options increase average spending at your checkout. Keep customers coming back. Our simple, fast and transparent payment solutions make shopping easier. Single platform solution to expand internationally our services to all Santander Consumer Finance units. -
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Alma
Alma
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. -
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Koverly
Koverly
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. -
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BrandLock
BrandLock
BrandLock improves conversions by identifying shoppers, removing distractions and promoting targeted offers. One line of code added to your site identifies possible shopper distractions and flags price-sensitive shoppers. With an ever-expanding list of malware strains, we make sure anything that distracts your shoppers remains hidden. 15% of shoppers see unwanted ads, coupons, deals and adult content injected by their browser onto your site. We remove these distractions and keep shoppers engaged. Help your price-sensitive shoppers realise they’re getting the best deal possible by promoting on-site coupons, deals, cashback and other rewards. Simply plug in one line of code and you’re done. Identify and disable distractions caused by consumer browser-based extensions, malware and adtech. Get actionable insights to target price-sensitive shoppers and increase conversions. -
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Rally
Rally
Upgrade to a fully optimized one-click checkout with post-purchase offers. Build headless, accept crypto, sell NFTs, and more with a Rally checkout. Provide your shoppers with a beautiful, one-click checkout experience. Rally Pay ensures shoppers throughout the network can buy with one-click, across all platforms and processors. Make personalized offers at the perfect time - immediately after the checkout. Our team pioneered the technique for DTC brands, driving over $300m in post-purchase revenue. Allow shoppers to safely pay in crypto, while you receive payouts in fiat. Sell NFTs on their own or alongside your physical products. Allow your customers to buy NFTs with their credit cards. Restrict access to your checkout based on specific NFTs in the shopper's wallet, allow NFTs to trigger discounts, and a lot more on the way. -
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Promise2Pay
FUGU
Converting payment failure into revenue! Ship first – get paid later. FUGU guarantees payment collection within 14-days. Immediately after a cart is abandoned, eligible customers are notified of a deferred payment option. Once approved for deferred payment, FUGU will manage and assume liability for payment collection within 14 days. No additional payment methods, no additional registration. All collection operations are taken care by FUGU under your brand. We only charge when we guarantee the recovery – no subscription fees, no extra commitments. Click through installation, out-of-the-box configuration – less than 45 minutes of your time and you’re set. -
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Coniq
Coniq
Coniq’s digital platform enables your entire organization to connect with and engage customers in-store and online, across multiple touchpoints. Transform your business quickly and cost effectively by embracing a digital platform that empowers your entire organization to understand, anticipate and engage with your customers. Build a clear view of your customers, brands and marketing activities. Experience the new and exciting customer loyalty solution that identifies, engages and rewards shoppers before, during and after their visit. Where physical and digital retail merge into one, the Coniq platform sits at the heart of your digital transformation so you know exactly who your shoppers are, online and offline, to build valuable, personalized relationships with them. Understand your customers and drive sales uplift at your retail destination. Build a database of ready-to-buy shoppers, identify and incentivize shoppers to visit. -
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Knexus
Knexus
Knexus visual commerce platform automatically delivers personalized & shoppable influencer, social & brand content to the right customer at the key moment – giving shoppers the confidence to purchase. Knexus uses AI to surface, tag & index your content wherever it lives and whoever it’s from; whether that’s you, influencers or customers. The platform then automatically matches each shopper to the relevant content – identifying which content is most suitable & will influence each shopper’s buying decisions. Social media has opened up a world of opportunity for brands to connect with shoppers. But why aren’t brands using this influential content across their ecommerce site/store? Knexus dynamically surfaces any content from your brand, influencers & customers, in front of each shopper at the right moment of their ecommerce journey. No manual tagging or segmentation required. -
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Yuzu
Yuzu
Every shopper is unique. Our algorithms learn and adapt to each shopper behaviour to give them a smooth and personalized experience. The network gives us a deep shopper insight through their shopping path among a large network of stores. Bridge online and offline shopper interactions across all buying channels to recognize, contact and convert him into a loyal customer. Join forces with other e-commerce websites and retailers and take the power back. Get a direct access to other merchants’ clients after their purchases. Reward your customers with relevant offers from other stores of the network and monetize your touchpoints. Yuzu identifies each shopper and display the perfect message and/or offer that will meet their unique needs to convert them and turn them into loyal customers. Creating your account and installing our plugin is a matter of minutes. Managing your campaigns and activating your first re-engagement scenarios, a matter of a few clicks. -
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Transigo
Transigo
Whether you are a B2B seller or marketplace, it is challenging to grow your business without offering point-of-sale credit to your customers. But this also creates credit risk and possible cash flow disruptions. Why not get the best of both worlds? We provide the credit on your behalf and take the risk, while you get the cash upfront for immediate business use. Our sophisticated verification algorithms will then digitally perform all relevant KYC/KYB and AML checks. The result? Your customers can be onboarded online within minutes. Buyers authorize Transigo to access their bank account information via Plaid. We then automatically perform a short credit assessment – after which the buyer will receive a full credit line quota. Generous credit terms equals a better shopping experience for your B2B customers – which means a higher chance of repeat business -
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Perpay
Perpay
Perpay is a financial technology company that offers consumers a unique buy now, pay later platform through which they can shop its marketplace offerings. It allows shoppers to pay for their purchases over time without accruing interest or incurring fees. Customers simply pay for their purchases in installments through their website directly. To use Perpay, consumers must create an online profile, after which the platform sets their estimated spending limit. Once a customer receives their spending limit, they can browse the online marketplace. When they’re ready to check out, they submit their cart for approval. After approval, the customer receives an email containing payment instructions. Upon receipt of the first payment, the platform ships the customer their purchased product(s). Essentially, this is a preapproved payment plan subject to neither interest nor additional fees. Perpay automatically deducts the amount customers owe from their paychecks.Starting Price: Free -
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CASHe
CASHe
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.Starting Price: Free -
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Walnut
Walnut
Walnut helps your practice approve more patients, even those with credit challenges. Get paid upfront with plans starting at 0% interest. Traditional patient financing companies reject 50% of patients. Our proprietary underwriting algorithm helps you approve more patients. Get paid upfront with zero risk and no fees. We currently serve elective care markets. We believe in simple, fair, and transparent payment options for patients. Our dedicated support team is available around the clock to answer patient and provider questions. Financing plans are available starting at 0% interesting. Walnut is completely free for providers to implement. Walnut is a better way to manage your healthcare costs. We turn your medical bill into smaller, monthly installments that are customized to you. Paying on time can help you build positive credit history and we will assign you a Walnut Agent to help you make sure you are on track. -
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WAIR
WAIR
WAIR helps your shoppers order the best fitting products. Brands choose WAIR because size and fit recommendation is just the beginning of our value. Grounded in the world’s largest 3D body dataset, WAIR helps you optimize your business by aligning it with the bodies of your shoppers. The WAIR Fit Advisor integrates seamlessly into your e-commerce store to help shoppers order the best fitting sizes. Fit Advisor does this while capturing powerful data that helps your operating teams optimize design, inventory, and marketing decisions around the bodies of your shoppers. WAIR helps customers baseline, benchmark, and optimize their grade rules, regional inventory management, as well as integrate true-to-life 3D avatars into their digital workflows. These services are built atop WAIR’s database of 2,000,000+ 3D body scans captured in the last 4 years. After integrating WAIR’s Fit Advisor, e-comm retailers generally see a 28% increase in conversion and a 21% reduction in size based returns. -
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Laybuy
Laybuy
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.Starting Price: Free -
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Videoly
Videoly
Videoly automatically connects the world’s best product videos to online stores. Increase online sales, enrich the shopping experience and keep shoppers engaged with product videos. Customers demand enjoyable online shopping experiences that help them make purchases. Only video can provide information-rich content that replicates the in-store experience online, giving shoppers the confidence to click add-to-cart. 72% of customers would rather learn about a product or service by watching a video. 88% more time is spent by the average user on a website with video. 64% of customers are more likely to buy a product online after watching a video. Videoly for retailers finds, curates, and automatically embeds the videos your online store needs to increase conversions, engagement, and social proof. Videoly for brands streamlines brands’ entire video content distribution, automatically connecting product videos to resellers’ product pages. -
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Catalina
Catalina
Using real-time intelligence and rapid responsiveness, we deliver personalized CPG marketing to decode shopper behavior and maximize consumer relationships. All at unparalleled scale. Identify your audience and where best to reach them with your message. It's important to know who you're talking to before you decide what to say to them. Use our custom or syndicated segments to align better with your shoppers. Generate insights by analyzing shopper data to better understand audiences. This is where our data nerds get to flex their muscles. Our analytics provide incredibly precise insights based on years of consumer data to ensure highly individualized messages. Deliver personalized messages that turn shoppers into buyers and buyers into fans. Whether you are trying to penetrate a new market segment or build more loyalty among your current shoppers, we'll help you serve up relevant and motivating messages. -
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SaaSPay
SaaSPay
Convert more annual deals by giving customers the option to pay back up to 8 months later. Convert monthly deals to annual packages to increase AOV. Generate leads with SaaSPay’s flexible financing solution. Get paid on day 1, no month-on-month payment chasing. Get paid upfront. Convert monthly subscribers to annual customers with one-click financing. Upload your customer details and list down your products and their subscription tiers. Get paid in full, on day 1. Receive a year's worth of payment in your bank account as soon as you sell! Complete a simple KYB process to get your SaaSPay account up and running. Maximize your team's potential by adding unlimited team members. Analyze different package performances with our powerful analytics feature. Identify opportunities for upselling with our customer usage analysis. One-click BNPL to boost annual subscription sales. Empower your customers with flexible repayment options. -
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lube
lube
lube is building a hyper-specialized product development suite. We're starting with discovery. Support tickets and sales calls are great. You're hearing directly from users who care enough to reach out. But there's a whole universe of conversations you're missing. Users who'll never file a ticket but will write a 500-word Reddit rant. Who skip your survey but happily debate your product with strangers on Discord. Who share brutally honest takes on Twitter because they're not talking to you. Plus, your internal channels can't tell you what competitors are up to, what's shifting in the industry, or which shiny new tool your users are flirting with. All those conversations are happening right now. We help you tune in. lube makes product discovery frictionless. (Yeah, we went there.) Our first module monitors the communities where your users actually hang out. We surface the signals that matter.Starting Price: $0 -
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LendFoundry
Sigma Infosolutions
An award-winning SaaS platform, LendFoundry offers tools and accelerators to lenders to manage digital lending lifecycle. LendFoundry Loan Management System offers Loan Origination System and Loan Servicing System, and additional new-age features around customer management, compliance reporting, authentication, security, AI-powered credit scoring and marketing. Our SaaS model minimizes the upfront, startup cost, while the AI-enabled platform identifies priority accounts, creates risk profiles, and recommends interest rates to optimize your margins. It acts as a self-service portal to your customers offering them a single view into their loans, payments and statements. Possible to implement entire solution or just the pieces that make sense for business. Flexible enough to completely automate underwriting or configuring back-office workflows for manual verification processes. A simple, intuitive and ‘eye-pleasing’ interface to log all activities. -
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Veend
VeendHQ
VeendHQ is a fast and reliable digital lending platform that gives salary earners quick access to cash without collateral, paperwork, or long waits. Users can get instant loans for personal needs such as school fees, rent, emergencies, business expenses, or family support, with disbursement happening in less than five minutes. The platform offers flexible repayment terms, loan top-up options, and personalized loan offers that match each borrower’s financial situation and salary cycle. With instant eligibility checks, real-time loan balance updates, and a simple application process via USSD or the mobile app, VeendHQ makes borrowing stress-free. Customers benefit from round-the-clock support and a transparent process that ensures clarity at every stage. Whether through government worker loans, Buy Now Pay Later options, or solar finance, VeendHQ empowers Nigerians to access funds quickly and responsibly.Starting Price: ₦60,000,000 -
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Cognilyze
Cognilyze
Cognilyze was founded on the understanding that personalization is not just about data or gathering yet, another piece of personal shopper information, rather, it is about intuition. So, while others know what they buy, Cognilyze knows why they buy. Our combination of psychology and technology builds a “psychological profile” for each and every shopper and enhances shoppers’ experience in an omnichannel fashion throughout his or her shopping journey From “search pages” that intuitively understand the shopper’s motives and reasons, through very relevant recommendations that include new, niche and cross-category products, site optimization with rich personalized textual content throughout as well as remarketing and retargeting campaigns with personalized email and push notification based on the shopper’s individual psychological profile. Finally, our “Discovery Pages” pleasantly surprise the shopper with unique products that speak to their deeper wants and desires. -
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Pixibo
Pixibo
You don't pay upfront to try on a pair of jeans in a mall so why do it online? Shoppers add multiple styles to their cart knowing they'll only pay for what they keep. The more they try the more they buy. From cart to order confirmation in less than 30 seconds. No accounts to create or lengthy sign-up forms ever. Free Shipping - every shopper's favourite two words. Shipping is fast and free with Try Before You Buy. How fast? As fast as 2 hours in some instances and never more than 24 hours. A nominal delivery fee will apply for for Try@Home orders. With Try Before You Buy shoppers pay only after knowing that the item fits and suits them. There's no hassle of returns as they just leave the items behind or hand them over to our delivery partners. We consolidate the returns and make them available for the next purchase. -
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SHOPT
Cierant Corporation
While trade promotion, retail execution and other fundamental CPG functions leverage technology to automate processes and unify insights, shopper marketing fails to modernize. In fact, our 2018 Shopper Marketing Optimization Report found that 78% rank their shopper marketing process efficiency as average or worse. With lack of modernization hindering performance, Shopper Marketing Optimization (SMO) has become critical to CPG revenue growth. Optimize your commercial investments with a collaborative budgeting tool that allows managers to assign budgets to measurable goals, allocate across teams and/or accounts, and track performance through real-time reporting of spending activity, viewable at the customer, brand and category level. Facilitates collaboration by uniting global teams and agencies around a centralized source of truth. Integrates best practices and financial analytics into planning cycles to drive program effectiveness.
