# Top 10 PayPal Buy Now Pay Later Alternatives & Competitors **Average Rating:** 4.3/5 **Total Number of Reviews:** 6 The Installment Payment and Buy Now Pay Later (BNPL) Software solutions below are the most common alternatives that users and reviewers compare with PayPal Buy Now Pay Later. Other important factors to consider when researching alternatives to PayPal Buy Now Pay Later include reliability and ease of use. The best overall PayPal Buy Now Pay Later alternative is GoCardless. Other similar apps like PayPal Buy Now Pay Later are Sunbit, Sezzle, Klarna, and Affirm. PayPal Buy Now Pay Later alternatives can be found in [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) but may also be in [Payment Processing Software](https://www.g2.com/categories/payment-processing). ## Best Paid & Free Alternatives to PayPal Buy Now Pay Later - [GoCardless](https://www.g2.com/products/gocardless/reviews) - [Sunbit](https://www.g2.com/products/sunbit/reviews) - [Sezzle](https://www.g2.com/products/sezzle/reviews) - [Klarna](https://www.g2.com/products/klarna/reviews) - [Affirm](https://www.g2.com/products/affirm/reviews) - [Afterpay](https://www.g2.com/products/afterpay/reviews) - [Capchase](https://www.g2.com/products/capchase/reviews) - [Ratio](https://www.g2.com/products/ratio/reviews) - [Credit Key](https://www.g2.com/products/credit-key/reviews) - [EasyPay](https://www.g2.com/products/easypay/reviews) ## Top 10 Alternatives to PayPal Buy Now Pay Later Recently Reviewed By G2 Community Browse options below. Based on reviewer data, you can see how PayPal Buy Now Pay Later stacks up to the competition, check reviews from current & previous users in industries like Computer Software, Information Technology and Services, and Retail, and find the best product for your business. ### 1. [GoCardless](https://www.g2.com/products/gocardless/reviews) By GoCardless **Average Rating:** 4.6/5 **Total Reviews:** 321 Collect instant, one-off payments. Or automated, recurring payments. Without the chasing, stress, or expensive fees. Categories in common with PayPal Buy Now Pay Later: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [PayPal Buy Now Pay Later vs GoCardless](https://www.g2.com/compare/gocardless-vs-paypal-buy-now-pay-later) **Compare GoCardless with other alternatives:** - [GoCardless vs Sunbit](https://www.g2.com/compare/gocardless-vs-sunbit) - [GoCardless vs Sezzle](https://www.g2.com/compare/gocardless-vs-sezzle) - [GoCardless vs Klarna](https://www.g2.com/compare/gocardless-vs-klarna) - [GoCardless vs Affirm](https://www.g2.com/compare/affirm-vs-gocardless) - [GoCardless vs Afterpay](https://www.g2.com/compare/afterpay-vs-gocardless) - [GoCardless vs Capchase](https://www.g2.com/compare/capchase-vs-gocardless) - [GoCardless vs Ratio](https://www.g2.com/compare/gocardless-vs-ratio) - [GoCardless vs Credit Key](https://www.g2.com/compare/credit-key-vs-gocardless) - [GoCardless vs EasyPay](https://www.g2.com/compare/easypay-vs-gocardless) ### 2. [Sunbit](https://www.g2.com/products/sunbit/reviews) By Sunbit **Average Rating:** 4.9/5 **Total Reviews:** 139 Sunbit is a fundamentally new way to pay, that eliminates financial waste while providing the best possible experience for retailers and customers. Sunbit is the simplest and quickest way for retailers to split a purchase into multiple payments, increasing sales and extending the buying power of customers so that retailers earn more while customers pay less. Categories in common with PayPal Buy Now Pay Later: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [PayPal Buy Now Pay Later vs Sunbit](https://www.g2.com/compare/paypal-buy-now-pay-later-vs-sunbit) **Compare Sunbit with other alternatives:** - [Sunbit vs GoCardless](https://www.g2.com/compare/gocardless-vs-sunbit) - [Sunbit vs Sezzle](https://www.g2.com/compare/sezzle-vs-sunbit) - [Sunbit vs Klarna](https://www.g2.com/compare/klarna-vs-sunbit) - [Sunbit vs Affirm](https://www.g2.com/compare/affirm-vs-sunbit) - [Sunbit vs Afterpay](https://www.g2.com/compare/afterpay-vs-sunbit) - [Sunbit vs Capchase](https://www.g2.com/compare/capchase-vs-sunbit) - [Sunbit vs Ratio](https://www.g2.com/compare/ratio-vs-sunbit) - [Sunbit vs Credit Key](https://www.g2.com/compare/credit-key-vs-sunbit) - [Sunbit vs EasyPay](https://www.g2.com/compare/easypay-vs-sunbit) ### 3. [Sezzle](https://www.g2.com/products/sezzle/reviews) By Sezzle **Average Rating:** 4.6/5 **Total Reviews:** 122 Sezzle increases sales and order values by enabling your customers to buy now and pay later with interest-free installment plans. Categories in common with PayPal Buy Now Pay Later: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [PayPal Buy Now Pay Later vs Sezzle](https://www.g2.com/compare/paypal-buy-now-pay-later-vs-sezzle) **Compare Sezzle with other alternatives:** - [Sezzle vs GoCardless](https://www.g2.com/compare/gocardless-vs-sezzle) - [Sezzle vs Sunbit](https://www.g2.com/compare/sezzle-vs-sunbit) - [Sezzle vs Klarna](https://www.g2.com/compare/klarna-vs-sezzle) - [Sezzle vs Affirm](https://www.g2.com/compare/affirm-vs-sezzle) - [Sezzle vs Afterpay](https://www.g2.com/compare/afterpay-vs-sezzle) - [Sezzle vs Capchase](https://www.g2.com/compare/capchase-vs-sezzle) - [Sezzle vs Ratio](https://www.g2.com/compare/ratio-vs-sezzle) - [Sezzle vs Credit Key](https://www.g2.com/compare/credit-key-vs-sezzle) - [Sezzle vs EasyPay](https://www.g2.com/compare/easypay-vs-sezzle) ### 4. [Klarna](https://www.g2.com/products/klarna/reviews) By Klarna **Average Rating:** 3.2/5 **Total Reviews:** 58 Klarna is a global fintech company that offers innovative payment and marketing solutions designed to enhance the shopping experience for consumers and drive growth for businesses. By providing flexible payment options and performance-driven marketing tools, Klarna helps merchants attract, convert, and retain customers more effectively. Key Features and Functionality: - Flexible Payment Options: Klarna offers a variety of payment methods, including: - Pay in Full: Immediate payment at the time of purchase. - Pay in 30 Days: Allows customers to receive products and pay up to 30 days later without interest or late fees when paid on time. - Pay in 3 or 4 Installments: Enables shoppers to split purchases into smaller, interest-free payments. - Financing: Provides longer-term payment plans for larger purchases, offering manageable monthly payments. - Marketing Solutions: Klarna's full-funnel marketing suite allows businesses to run targeted campaigns across various channels, including search, programmatic ads, affiliate placements, cashback offers, and personalized in-app content, reaching over 24 million active shoppers. - Seamless Integration: Klarna integrates with major e-commerce platforms such as Shopify, Magento, WooCommerce, and BigCommerce, as well as payment partners like Stripe and Adyen, facilitating easy adoption for merchants. Primary Value and Solutions for Users: For consumers, Klarna provides a flexible and convenient shopping experience by offering multiple payment options that cater to different financial needs, thereby enhancing purchasing power and satisfaction. For merchants, Klarna drives business growth by increasing average order values, improving conversion rates, and fostering customer loyalty through its comprehensive payment and marketing solutions. Categories in common with PayPal Buy Now Pay Later: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [PayPal Buy Now Pay Later vs Klarna](https://www.g2.com/compare/klarna-vs-paypal-buy-now-pay-later) **Compare Klarna with other alternatives:** - [Klarna vs GoCardless](https://www.g2.com/compare/gocardless-vs-klarna) - [Klarna vs Sunbit](https://www.g2.com/compare/klarna-vs-sunbit) - [Klarna vs Sezzle](https://www.g2.com/compare/klarna-vs-sezzle) - [Klarna vs Affirm](https://www.g2.com/compare/affirm-vs-klarna) - [Klarna vs Afterpay](https://www.g2.com/compare/afterpay-vs-klarna) - [Klarna vs Capchase](https://www.g2.com/compare/capchase-vs-klarna) - [Klarna vs Ratio](https://www.g2.com/compare/klarna-vs-ratio) - [Klarna vs Credit Key](https://www.g2.com/compare/credit-key-vs-klarna) - [Klarna vs EasyPay](https://www.g2.com/compare/easypay-vs-klarna) ### 5. [Affirm](https://www.g2.com/products/affirm/reviews) By Affirm **Average Rating:** 4.3/5 **Total Reviews:** 48 Affirm helps merchants of all sizes drive growth and better serve their customers. We’ve proven that we can increase sales and introduce new consumers to our merchant partners. That’s why our partners include household-name brands across home and lifestyle, fashion, beauty, travel, fitness, auto service and parts, and more. This network is further bolstered by the Affirm app, which gives consumers a convenient way to use Affirm as an omnichannel payment method, while providing a marketplace for merchants to reach consumers. Categories in common with PayPal Buy Now Pay Later: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [PayPal Buy Now Pay Later vs Affirm](https://www.g2.com/compare/affirm-vs-paypal-buy-now-pay-later) **Compare Affirm with other alternatives:** - [Affirm vs GoCardless](https://www.g2.com/compare/affirm-vs-gocardless) - [Affirm vs Sunbit](https://www.g2.com/compare/affirm-vs-sunbit) - [Affirm vs Sezzle](https://www.g2.com/compare/affirm-vs-sezzle) - [Affirm vs Klarna](https://www.g2.com/compare/affirm-vs-klarna) - [Affirm vs Afterpay](https://www.g2.com/compare/affirm-vs-afterpay) - [Affirm vs Capchase](https://www.g2.com/compare/affirm-vs-capchase) - [Affirm vs Ratio](https://www.g2.com/compare/affirm-vs-ratio) - [Affirm vs Credit Key](https://www.g2.com/compare/affirm-vs-credit-key) - [Affirm vs EasyPay](https://www.g2.com/compare/affirm-vs-easypay) ### 6. [Afterpay](https://www.g2.com/products/afterpay/reviews) By Afterpay **Average Rating:** 4.2/5 **Total Reviews:** 43 Afterpay integrates with your store directly via API or by using one of our platform plugins. Afterpay also provides comprehensive technical support for initial integrations and ongoing maintenance. Categories in common with PayPal Buy Now Pay Later: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [PayPal Buy Now Pay Later vs Afterpay](https://www.g2.com/compare/afterpay-vs-paypal-buy-now-pay-later) **Compare Afterpay with other alternatives:** - [Afterpay vs GoCardless](https://www.g2.com/compare/afterpay-vs-gocardless) - [Afterpay vs Sunbit](https://www.g2.com/compare/afterpay-vs-sunbit) - [Afterpay vs Sezzle](https://www.g2.com/compare/afterpay-vs-sezzle) - [Afterpay vs Klarna](https://www.g2.com/compare/afterpay-vs-klarna) - [Afterpay vs Affirm](https://www.g2.com/compare/affirm-vs-afterpay) - [Afterpay vs Capchase](https://www.g2.com/compare/afterpay-vs-capchase) - [Afterpay vs Ratio](https://www.g2.com/compare/afterpay-vs-ratio) - [Afterpay vs Credit Key](https://www.g2.com/compare/afterpay-vs-credit-key) - [Afterpay vs EasyPay](https://www.g2.com/compare/afterpay-vs-easypay) ### 7. [Capchase](https://www.g2.com/products/capchase/reviews) By Capchase **Average Rating:** 4.5/5 **Total Reviews:** 43 Use Capchase to access booked revenue immediately and close more deals with an installment payment solution that gives flexibility to software and hardware buyers and total contract value upfront to vendors while also removing payment collection burdens. Categories in common with PayPal Buy Now Pay Later: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [PayPal Buy Now Pay Later vs Capchase](https://www.g2.com/compare/capchase-vs-paypal-buy-now-pay-later) **Compare Capchase with other alternatives:** - [Capchase vs GoCardless](https://www.g2.com/compare/capchase-vs-gocardless) - [Capchase vs Sunbit](https://www.g2.com/compare/capchase-vs-sunbit) - [Capchase vs Sezzle](https://www.g2.com/compare/capchase-vs-sezzle) - [Capchase vs Klarna](https://www.g2.com/compare/capchase-vs-klarna) - [Capchase vs Affirm](https://www.g2.com/compare/affirm-vs-capchase) - [Capchase vs Afterpay](https://www.g2.com/compare/afterpay-vs-capchase) - [Capchase vs Ratio](https://www.g2.com/compare/capchase-vs-ratio) - [Capchase vs Credit Key](https://www.g2.com/compare/capchase-vs-credit-key) - [Capchase vs EasyPay](https://www.g2.com/compare/capchase-vs-easypay) ### 8. [Ratio](https://www.g2.com/products/ratio/reviews) By Ratio **Average Rating:** 4.7/5 **Total Reviews:** 38 A New Kind of FinTech Platform for SaaS / Technology Companies. Reimagining technology procurement and funding by combining payments, predictive pricing, financing, and a seamless quote-to-cash process into one platform. Categories in common with PayPal Buy Now Pay Later: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [PayPal Buy Now Pay Later vs Ratio](https://www.g2.com/compare/paypal-buy-now-pay-later-vs-ratio) **Compare Ratio with other alternatives:** - [Ratio vs GoCardless](https://www.g2.com/compare/gocardless-vs-ratio) - [Ratio vs Sunbit](https://www.g2.com/compare/ratio-vs-sunbit) - [Ratio vs Sezzle](https://www.g2.com/compare/ratio-vs-sezzle) - [Ratio vs Klarna](https://www.g2.com/compare/klarna-vs-ratio) - [Ratio vs Affirm](https://www.g2.com/compare/affirm-vs-ratio) - [Ratio vs Afterpay](https://www.g2.com/compare/afterpay-vs-ratio) - [Ratio vs Capchase](https://www.g2.com/compare/capchase-vs-ratio) - [Ratio vs Credit Key](https://www.g2.com/compare/credit-key-vs-ratio) - [Ratio vs EasyPay](https://www.g2.com/compare/easypay-vs-ratio) ### 9. [Credit Key](https://www.g2.com/products/credit-key/reviews) By Credit Key **Average Rating:** 4.7/5 **Total Reviews:** 34 Credit Key is the leading B2B payments company that simplifies and enhances the purchasing process through its proprietary digital platform. Hundreds of leading merchants leverage Credit Key to offer their business customers greater access to capital with fast, flexible payment options including Net Terms and Pay Over Time. Credit Key facilitates instant credit decisions to provide a streamlined buying experience whether it’s online, over the phone, or in-store. Credit Key is proven to boost revenue for merchants while enabling borrowers to better manage cash flow and grow their business. Learn more at www.creditkey.com. Categories in common with PayPal Buy Now Pay Later: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [PayPal Buy Now Pay Later vs Credit Key](https://www.g2.com/compare/credit-key-vs-paypal-buy-now-pay-later) **Compare Credit Key with other alternatives:** - [Credit Key vs GoCardless](https://www.g2.com/compare/credit-key-vs-gocardless) - [Credit Key vs Sunbit](https://www.g2.com/compare/credit-key-vs-sunbit) - [Credit Key vs Sezzle](https://www.g2.com/compare/credit-key-vs-sezzle) - [Credit Key vs Klarna](https://www.g2.com/compare/credit-key-vs-klarna) - [Credit Key vs Affirm](https://www.g2.com/compare/affirm-vs-credit-key) - [Credit Key vs Afterpay](https://www.g2.com/compare/afterpay-vs-credit-key) - [Credit Key vs Capchase](https://www.g2.com/compare/capchase-vs-credit-key) - [Credit Key vs Ratio](https://www.g2.com/compare/credit-key-vs-ratio) - [Credit Key vs EasyPay](https://www.g2.com/compare/credit-key-vs-easypay) ### 10. [EasyPay](https://www.g2.com/products/easypay/reviews) By EasyPay **Average Rating:** 4.4/5 **Total Reviews:** 32 EasyPay Finance meets the needs of retailers and auto repair dealers by providing simple and affordable payment plans for their customers. Categories in common with PayPal Buy Now Pay Later: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Compare:** [PayPal Buy Now Pay Later vs EasyPay](https://www.g2.com/compare/easypay-vs-paypal-buy-now-pay-later) **Compare EasyPay with other alternatives:** - [EasyPay vs GoCardless](https://www.g2.com/compare/easypay-vs-gocardless) - [EasyPay vs Sunbit](https://www.g2.com/compare/easypay-vs-sunbit) - [EasyPay vs Sezzle](https://www.g2.com/compare/easypay-vs-sezzle) - [EasyPay vs Klarna](https://www.g2.com/compare/easypay-vs-klarna) - [EasyPay vs Affirm](https://www.g2.com/compare/affirm-vs-easypay) - [EasyPay vs Afterpay](https://www.g2.com/compare/afterpay-vs-easypay) - [EasyPay vs Capchase](https://www.g2.com/compare/capchase-vs-easypay) - [EasyPay vs Ratio](https://www.g2.com/compare/easypay-vs-ratio) - [EasyPay vs Credit Key](https://www.g2.com/compare/credit-key-vs-easypay) ## Explore Articles - [What is the most accurate salary benchmarking dashboard for a B2B software firm that wants to compare developer pay against other companies of similar size and stage?](https://www.g2.com/discussions/what-is-the-most-accurate-salary-benchmarking-dashboard-for-a-b2b-software-firm-that-wants-to-compare-developer-pay-against-other-companies-of-similar-size-and-stage) - [Top platforms for self-service customer support knowledge](https://www.g2.com/discussions/top-platforms-for-self-service-customer-support-knowledge) - [Where to find top sales intelligence solutions](https://www.g2.com/discussions/where-to-find-top-sales-intelligence-solutions) - [What is the most affordable meeting room booking software?](https://www.g2.com/discussions/what-is-the-most-affordable-meeting-room-booking-software) - [Which audience intelligence platforms are worth using for a brand that wants to understand how their target audience compares to competitors' audiences without a full market research engagement?](https://www.g2.com/discussions/which-audience-intelligence-platforms-are-worth-using-for-a-brand-that-wants-to-understand-how-their-target-audience-compares-to-competitors-audiences-without-a-full-market-research-engagement ) - [Is FineReader PDF worth it for an organization moving away from a basic legacy file reader that needs OCR and editing capabilities, or does Adobe Acrobat Reader cover enough ground?](https://www.g2.com/discussions/is-finereader-pdf-worth-it-for-an-organization-moving-away-from-a-basic-legacy-file-reader-that-needs-ocr-and-editing-capabilities-or-does-adobe-acrobat-reader-cover-enough-ground) ## Spotlight Categories - [Job Search Sites](https://www.g2.com/categories/job-search-sites) - [Accounts Receivable Software](https://www.g2.com/categories/accounts-receivable) - [Data Observability Software](https://www.g2.com/categories/data-observability)