# Top Free Installment Payment and Buy Now Pay Later (BNPL) Software ## How Many Installment Payment and Buy Now Pay Later (BNPL) Software Products Does G2 Track? **Total Products under this Category:** 66 ### Category Stats (Aug 2026) - **Average Rating:** 4.41/5 The average rating of products in this category, based on all submitted ratings - **Top Trending Product:** Ratio (+3.28%) - Among all products in this category, Ratio recorded the largest rating increase compared to last month _Last updated: August 05, 2026_ ## How Does G2 Rank Installment Payment and Buy Now Pay Later (BNPL) Software Products? **Why You Can Trust G2's Software Rankings:** - 30 Analysts and Data Experts - 3,900+ Authentic Reviews - 66+ Products - Unbiased Rankings G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category. ## G2 Grid® for Installment Payment and Buy Now Pay Later (BNPL) Software ![G2 Grid® for Installment Payment and Buy Now Pay Later (BNPL) Software plotting products by satisfaction and market presence](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl/grids.png?focus%5B%5D=1222&focus%5B%5D=107452&focus%5B%5D=1680910&focus%5B%5D=75417&focus%5B%5D=122728&focus%5B%5D=87565&focus%5B%5D=87566&focus%5B%5D=10629) Highlighted products: PayPal Payments, Sunbit, PayPal Buy Now Pay Later, Affirm, Zip for Business, Afterpay, Sezzle, and Klarna. Underlying data: [Grid® JSON](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl/grids.json?focus%5B%5D=paypal&focus%5B%5D=sunbit&focus%5B%5D=paypal-buy-now-pay-later&focus%5B%5D=affirm&focus%5B%5D=zip-for-business&focus%5B%5D=afterpay&focus%5B%5D=sezzle&focus%5B%5D=klarna) **Sponsored** ### SimplyMerit SimplyMerit® is a compensation management software solution that enables HR teams, executives, and managers to plan and administer compensation programs with greater accuracy, efficiency, and security. It replaces manual spreadsheets with a centralized application designed to support merit budgets, annual bonus pools, and equity grants across global organizations. With SimplyMerit, organizations gain transparency into compensation decisions while reducing errors and administrative burden. HR leaders configure rules that match their business needs, managers make data-driven pay decisions, and employees see the full value of their pay through personalized Total Rewards Statements and a dedicated employee portal. SimplyMerit is particularly valuable for organizations managing multi-currency workforces, running complex approval workflows, or seeking to eliminate the risks of spreadsheet-based compensation cycles. Enterprise teams choose SimplyMerit for depth rather than breadth. HCM suites are broad by design and comparatively shallow in merit, bonus, and equity planning. SimplyMerit supplies that depth alongside the systems already in place, with no core HR replacement project: layered approval hierarchies backed by a full audit trail, consolidated multi-currency budgets across entities and regions, granular role-based permissions, and configuration that adapts as compensation strategy changes. Large employers run SimplyMerit as a dedicated planning layer while their HCM remains the system of record. Implementation does not depend on integration readiness. Clients who arrive with nothing more than a messy spreadsheet have gone live in under five days, because SimplyMerit maps and transforms the data it receives rather than asking clients to reformat it first. API connectors are added where systems expose access, and they can follow go-live instead of gating it. KEY FEATURES AND CAPABILITIES Compensation planning: manage merit increases, bonuses, and equity grants in one application. Dynamic field mapping: send an export from any system and SimplyMerit maps and transforms the fields, with no HRIS change and no reformatting required. API connectors: direct connections where HRIS and payroll systems expose API access, with your team mapping fields once. New connectors are built as clients bring their systems. Global budget consolidation: automatic currency conversion and prorations from configurable business rules, with a single consolidated view across entities and regions. Approval hierarchies: route pay decisions through custom approval paths, with executive approvals recorded as a system of record for auditability. Live budget tracking: managers see allocations against spend as they enter recommendations. Configuration support: adjust rules, guidelines, and workflows as compensation strategy changes, working with compensation professionals rather than a ticket queue. Total Rewards Statements: generate and securely distribute personalized summaries of total compensation. Employee portal: a fully customizable portal where employees view compensation details, Total Rewards Statements, and compensation statements, including personalized total rewards dashboards. Retained award history: prior awards and statements stay available to employees, with clients deciding how much history to load and retain. Year-round employee access: extend the portal beyond the annual cycle as a configurable setting, so employees can revisit their total rewards and history between planning cycles. Mobile-ready application: support managers wherever they work with a responsive interface. Data security: enterprise-grade security, granular role-based access, and GDPR compliance. USE CASES HR and compensation teams running annual or mid-year compensation cycles. Enterprises needing compensation depth alongside an existing HCM without replacing core HR. Organizations managing multi-currency workforces across multiple entities and geographies. Companies with multi-level approval hierarchies and audit requirements. Organizations looking to reduce risk and eliminate spreadsheet-driven processes. Teams that need to launch quickly without waiting on an integration project. Employers strengthening year-round pay communication as transparency expectations rise. Businesses seeking better visibility and governance over compensation decisions. By streamlining compensation planning, SimplyMerit helps organizations improve accuracy, reduce risk, and deliver a better employee experience. Leaders gain confidence in budget management, managers make fairer pay decisions with real-time visibility, and employees understand the full value of their rewards. [Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list_llm&secure%5Bcategory_id%5D=1578&secure%5Bchosen_at%5D=2026-08-09T07%3A25%3A12Z&secure%5Bdisplayable_resource_id%5D=1008699&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=retargeted_product&secure%5Bplacement_resource_ids%5D%5B%5D=69694&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=69694&secure%5Bresource_id%5D=1578&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Finstallment-payment-and-buy-now-pay-later-bnpl%2Ffree&secure%5Btoken%5D=963e33eb4bcca998f3d295569cd0c273e55410fa9300491ee15bb3d9bcf3e828&secure%5Burl%5D=https%3A%2F%2Fmorganhr.com%2Fschedule-a-demo&secure%5Burl_type%5D=book_demo) ### [Capchase](https://www.g2.com/products/capchase/reviews) Capchase Pay is a B2B payment and financing solution designed to improve the buying and selling of software and hardware by streamlining the payment process. This innovative platform allows customers to pay over time according to their preferences while enabling businesses to receive the total contract value (TCV) upfront for annual and multi-year agreements. By offloading the billing and collections process to Capchase, companies can focus on their core operations while increasing their cash flow. Targeted primarily at businesses engaged in software and hardware sales, Capchase Pay addresses the common challenges associated with payment processing and customer financing. It is particularly beneficial for companies looking to close more deals by offering flexible payment options that cater to their customers' financial needs. The solution is designed to simplify the buying experience, making it easier for customers to commit to larger purchases without the burden of immediate full payment. One of the standout features of Capchase Pay is its ability to provide immediate access to booked revenue. By receiving the total contract value upfront, businesses can improve their cash flow and reinvest in growth opportunities without delay. This feature is crucial for companies that rely on predictable revenue streams and need to maintain a healthy financial position. Additionally, the platform integrates seamlessly with existing systems such as CRM and accounting software, ensuring a smooth transition and minimal disruption to current workflows. Capchase Pay also offers a user-friendly setup process, allowing businesses to implement the solution in less than 24 hours without any obligations or minimum usage requirements. There are no one-time or integration fees, making it an accessible option for businesses of all sizes. Furthermore, the solution is available internationally across nine countries and currencies, expanding its reach and usability for global enterprises. By incorporating Capchase Pay into their payment processes, businesses can enhance customer satisfaction through flexible payment options while simultaneously improving their operational efficiency. The ability to streamline billing and collections not only saves time but also allows companies to focus on building relationships with their customers and driving sales growth. **Average Rating:** 4.5/5.0 **Total Reviews:** 43 #### How Do G2 Users Rate Capchase? - **Quality of Support:** 9.5/10 (Category avg: 8.5/10) - **Payment Scheduling:** 8.8/10 (Category avg: 8.9/10) - **Loyalty Management:** 7.2/10 (Category avg: 8.3/10) - **E-commerce Integration:** 7.8/10 (Category avg: 8.6/10) #### Who Is the Company Behind Capchase? - **Seller:** [Capchase](https://www.g2.com/sellers/capchase) - **Year Founded:** 2020 - **HQ Location:** New York, New York - **Twitter:** @Capchase 2,443 Twitter followers - **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=88a1b822abbee863e9983c8c28ce5074207e033f1f66368c1e6ce12f31555375&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcapchase%2F&secure%5Burl_type%5D=linkedin_company_website) 99 employees on LinkedIn® #### Who Uses This Product? - **Who Uses This:** Account Executive - **Top Industries:** Computer Software, Hospital & Health Care - **Company Size:** 77% Medium, 19% Small #### What Do G2 Reviewers Say About Capchase? _AI-generated summary from verified user reviews_ ##### Pros - Users find Capchase easy to navigate, appreciating its **ease of use** and responsive customer support. - Users appreciate the **flexible payment options** from Capchase, enhancing customer experience and easing sales processes. - Users appreciate the **simple and clean user interface** of Capchase, enhancing their overall experience significantly. - Users value the **flexibility** Capchase provides, facilitating convenient payment options and quick support for adjustments. - Users value the **fast and responsive customer support** of Capchase, enhancing flexibility and team collaboration. ##### Cons - Users report a **lack of clarity** in the portal and reporting features, hindering effective navigation and understanding. - Users find the **approval process finicky** , often leading to delays in getting buyer confirmations. - Users experience **occasional technical issues** , including bugs and delays in updates, but support resolves them quickly. - Users express concern over **limited availability** , which affects their access to essential features and services. - Users often face **payment issues** with Capchase, complicating client renewals and leading to unnecessary delays. #### What Are Recent G2 Reviews of Capchase? **["Aggressive Rates, Flexible Terms, and a Streamlined UI"](https://www.g2.com/survey_responses/capchase-review-12700127)** **Rating:** 5.0/5.0 stars _— Verified User in Information Technology and Services_ [Read full review](https://www.g2.com/survey_responses/capchase-review-12700127) **["Incredibly Easy Process and a Great Experience Overall"](https://www.g2.com/survey_responses/capchase-review-12966651)** **Rating:** 5.0/5.0 stars _— Joshua L._ [Read full review](https://www.g2.com/survey_responses/capchase-review-12966651) #### What Are G2 Users Discussing About Capchase? - [What is Capchase used for?](https://www.g2.com/discussions/what-is-capchase-used-for) ### [Vartana, a Capchase company](https://www.g2.com/products/vartana-a-capchase-company/reviews) Vartana, a Capchase company, is an AI-powered B2B enterprise sales and financing platform that enables vendors to close deals at lightning-fast speeds by offering automated credit approvals, flexible payment terms, and a smooth checkout experience. Vartana helps vendors easily configure deals directly from their CRMs like Salesforce, HubSpot, Microsoft Dynamics, and Zoho. Vartana's automation helps vendors seamlessly craft payment options that align with their customer’s needs and close fast. Founded in 2020 by Kush Kella and Ahmed Sharif, acquired by Capchase in 2025.  Learn more: https://www.capchase.com/blog/capchase-acquires-vartana **Average Rating:** 4.9/5.0 **Total Reviews:** 24 #### How Do G2 Users Rate Vartana, a Capchase company? - **Quality of Support:** 9.7/10 (Category avg: 8.5/10) - **Payment Scheduling:** 9.4/10 (Category avg: 8.9/10) - **Loyalty Management:** 9.0/10 (Category avg: 8.3/10) - **E-commerce Integration:** 9.3/10 (Category avg: 8.6/10) #### Who Is the Company Behind Vartana, a Capchase company? - **Seller:** [Capchase](https://www.g2.com/sellers/capchase) - **Year Founded:** 2020 - **HQ Location:** New York, New York - **Twitter:** @Capchase 2,443 Twitter followers - **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=88a1b822abbee863e9983c8c28ce5074207e033f1f66368c1e6ce12f31555375&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcapchase%2F&secure%5Burl_type%5D=linkedin_company_website) 99 employees on LinkedIn® #### Who Uses This Product? - **Top Industries:** Computer Software - **Company Size:** 79% Large, 17% Medium #### What Are Recent G2 Reviews of Vartana, a Capchase company? **["Quick, Easy, Helps Close Deals"](https://www.g2.com/survey_responses/vartana-a-capchase-company-review-8473098)** **Rating:** 5.0/5.0 stars _— Brad H._ [Read full review](https://www.g2.com/survey_responses/vartana-a-capchase-company-review-8473098) **["Senior Director of Revenue Operations and Accounting"](https://www.g2.com/survey_responses/vartana-a-capchase-company-review-8338950)** **Rating:** 5.0/5.0 stars _— Michael K._ [Read full review](https://www.g2.com/survey_responses/vartana-a-capchase-company-review-8338950) ### [Alternative Payments](https://www.g2.com/products/alternative-finance-alternative-payments/reviews) Alternative Payments is a full-service B2B payments platform that simplifies and automates payments for you and your customers. Offer your customers a white-labeled and secure platform to pay invoices with numerous payment methods (ACH, credit cards, and Pay in Installments). Integrate with leading accounting and PSA software solutions to sync invoices and make auto-reconciliation a breeze. Enable automations like auto-pay and automated email reminders to save you time and collect invoices faster, and unlock data insights to give you complete visibility on payments and better predict cash flow. All in one platform. **Average Rating:** 4.7/5.0 **Total Reviews:** 11 #### How Do G2 Users Rate Alternative Payments? - **Quality of Support:** 9.0/10 (Category avg: 8.5/10) - **Payment Scheduling:** 6.7/10 (Category avg: 8.9/10) - **Loyalty Management:** 6.7/10 (Category avg: 8.3/10) - **E-commerce Integration:** 7.5/10 (Category avg: 8.6/10) #### Who Is the Company Behind Alternative Payments? - **Seller:** [Alternative Finance](https://www.g2.com/sellers/alternative-finance) - **Year Founded:** 2021 - **HQ Location:** New York, United States - **Twitter:** @Alt\_Payments 16 Twitter followers - **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7d1d925a130f6bfcb54e846c281fd8f102c044ff025bc294af2e0268944ec65d&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Falternativeco%2F&secure%5Burl_type%5D=linkedin_company_website) 85 employees on LinkedIn® #### Who Uses This Product? - **Company Size:** 82% Small, 9% Large #### What Are Recent G2 Reviews of Alternative Payments? **["Saved Me 40+ hours a month"](https://www.g2.com/survey_responses/alternative-payments-review-9465098)** **Rating:** 5.0/5.0 stars _— Ryan H._ [Read full review](https://www.g2.com/survey_responses/alternative-payments-review-9465098) **["Transitioned to Alternative"](https://www.g2.com/survey_responses/alternative-payments-review-9921388)** **Rating:** 4.0/5.0 stars _— Jasmine A._ [Read full review](https://www.g2.com/survey_responses/alternative-payments-review-9921388) ### [PayMongo](https://www.g2.com/products/paymongo/reviews) Paymongo enables businesses with the financial infrastructure to grow their revenue. Starting as a payment gateway, we have expanded our offerings to include a comprehensive digital financial service suite that enables SMEs to store, send, receive, save, and borrow money. Our mission is to empower these businesses to successfully digitalize, contributing to our country’s financial inclusion efforts and transforming the local economy. This strategic digital transformation facilitates SMEs’ access to mainstream financial services, streamlining their operations and fostering economic growth. #### Who Is the Company Behind PayMongo? - **Seller:** [PayMongo](https://www.g2.com/sellers/paymongo) - **Year Founded:** 2019 - **HQ Location:** Taguig, PH - **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=d29fa90bf5adfce63cba5c77c74e79f464af74eaae96a850bddbd752ad8dc4ed&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fpaymongo&secure%5Burl_type%5D=linkedin_company_website) 147 employees on LinkedIn® ### [Usio](https://www.g2.com/products/usio/reviews) Usio is the payments powerhouse built for organizations that demand more than generic processing. While others try to be everything to everyone, Usio specializes in one thing exceptionally well: powering secure, scalable payment ecosystems for ISVs, SaaS platforms, lenders, healthcare, finance, government, utilities, legal, insurance, fitness, non-profits, associations, and many other organizations that cannot afford friction. This is not patchwork fintech. This is enterprise-grade infrastructure designed to simplify complexity, accelerate revenue, and eliminate the chaos of managing multiple vendors. Embedded payments. Money movement. Card issuing. Disbursements. Billing. Print and Mail. All unified with one intelligent company backed by PCI Level 1, SOC 2, tokenization, and HIPAA-ready security. Organizations choose Usio because growth should not come with operational headaches. They choose Usio because fragmented systems slow companies down. And they choose Usio because when payments become seamless, businesses move faster, scale smarter, and unlock entirely new revenue opportunities. **Average Rating:** 5.0/5.0 **Total Reviews:** 24 #### How Do G2 Users Rate Usio? - **Quality of Support:** 9.9/10 (Category avg: 8.5/10) #### Who Is the Company Behind Usio? - **Seller:** [Usio](https://www.g2.com/sellers/usio) - **Company Website:** www.usio.com - **Year Founded:** 1998 - **HQ Location:** San Antonio, US - **Twitter:** @usioinc 283 Twitter followers - **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=03d4c4b33445b5967f7b0900ce65097b97dde6330be0f812fdea06ee8f7456a0&secure%5Burl%5D=http%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fusioinc&secure%5Burl_type%5D=linkedin_company_website) 82 employees on LinkedIn® #### Who Uses This Product? - **Company Size:** 54% Small, 42% Medium #### What Do G2 Reviewers Say About Usio? _AI-generated summary from verified user reviews_ ##### Pros - Users praise USIO for their **exceptional customer support** , noting prompt and helpful assistance when needed. - Users value the **exceptional corporate culture** and comprehensive solutions offered by Usio, enhancing their overall experience. - Users find USIO.com to be incredibly **user-friendly** , facilitating efficient payment management for their teams. - Users appreciate the **helpful staff** of Usio, finding them resourceful and easy to reach for support. - Users appreciate the **seamless integration capabilities** of Usio, which streamline payment processing with existing systems. ##### Cons - Users find the **limited payment options** with Usio frustrating, particularly the absence of Venmo integration. #### What Are Recent G2 Reviews of Usio? **["Usio: Amazing Customer Service and an Incredibly Easy, Accessible Website"](https://www.g2.com/survey_responses/usio-review-12512258)** **Rating:** 5.0/5.0 stars _— Laila A._ [Read full review](https://www.g2.com/survey_responses/usio-review-12512258) **["Top-Notch Support and a Consistently Positive Experience"](https://www.g2.com/survey_responses/usio-review-12900565)** **Rating:** 5.0/5.0 stars _— Jorge J._ [Read full review](https://www.g2.com/survey_responses/usio-review-12900565) Spotlight Categories [Compensation Management Software](https://www.g2.com/categories/compensation-management) [Purchasing Software](https://www.g2.com/categories/purchasing-software) [Outbound Call Tracking Software](https://www.g2.com/categories/outbound-call-tracking) [Accounting Software](https://www.g2.com/categories/accounting) [Knowledge Base Software](https://www.g2.com/categories/knowledge-base-software) Similar Categories - [Payment Gateways](/categories/payment-gateways) - [Embedded Payments](/categories/embedded-payments) - [Failed Payment Recovery](/categories/failed-payment-recovery) - [Payment Analytics](/categories/payment-analytics) - [Payment Card Issuance](/categories/payment-card-issuance) - [Payment Processing](/categories/payment-processing) - [Payments Orchestration](/categories/payments-orchestration) [Browse Installment Payment and Buy Now Pay Later (BNPL) Themes](/categories/installment-payment-and-buy-now-pay-later-bnpl/themes)