Top Buy Now Pay Later Apps for Easy and Smarter Shopping

With the various Buy Now Pay Later apps, shopping has become far more convenient than ever before.

In 2025, approximately 2.77 billion people shopped online, which is predicted to be 2.86 billion by 2026. Overall, the number of digital shoppers has increased by 40% over the past five years, and sales volume has increased by 218%.

Behind this rapid shift, there is a strong influence of “Buy Now Pay Later Apps”- revolutionizing how millions shop, spend and manage their finances.

Imagin this- your wedding is just months away, the festive season is around the corner, and every online store seems to be running irresistible offers. You’ve built the perfect cart filled with outfits, accessories, and gifts, but your account balance says otherwise. That’s when Buy Now, Pay Later (BNPL) apps step in like a modern-day savior.

Buy now and pay later apps like Afterpay, Affirm, Klarna, Zip, and Sezzle have redefined how people shop. With just a few taps, you can buy what you love today and split the payment into easy installments — often interest-free. No credit cards, no long approvals — just instant purchasing power that helps you manage your expenses smartly.

From fashion and gadgets to travel and home decor, BNPL options now sit proudly beside debit, credit, and COD on every major eCommerce platform. They’ve made shopping not only easier but also more financially flexible.

In this blog, we’ll walk you through the top Buy Now, Pay Later apps in 2025. Explore how they work, their benefits, and which ones are best suited for your lifestyle and spending habits.

 Ready to shop smarter? Let’s dive in.

What Are Buy Now Pay Later Apps and Why Are They Trending?

Buy Now, Pay Later apps are digital payment solutions that allow customers to buy products now and pay for them over time through easy, interest-free installments. 

Let’s be honest- who doesn’t love the idea of getting what you want now and buying it immediately without having to worry about the payments later? This is why all BNPL apps have exploded in popularity. 

Instead of making the full payment up front, users can split the cost into weekly, bi-weekly, or monthly payments, making big-ticket shopping more manageable and stress-free.

In various countries where getting a credit card can feel like jumping through endless hoops, BNPL platforms are a breath of fresh air. No tedious documentation, no nerve-wracking approvals- just a few taps and you are ready to shop.

What makes buy now, pay later apps popular?

Behind the rapid rise of digital payments, buy now pay later apps have emerged as one of the biggest game-changers. They have redefined how people shop by simply turning purchases into stress-free, flexible payment experiences. 

The global BNPL app market is projected to surpass $656 billion by 2029, growing at a CAGR of 9.8%.

From festive shopping sprees to big-ticket purchases, these platforms have made it possible for users to enjoy what they love now and pay later as per their convenience. 

If you are also handling an ecommerce store looking to integrate apps to buy now pay later by hiring a mobile app developer in India, then it’s a worthy decision. But before that, you need to understand what makes these apps popular among consumers…

1. Instant Approval, Zero Hassle

Pay now, buy later apps in USA assure a super smooth payment process as there are no long forms, no paperwork, and no waiting for bank approvals are involved. BNPL apps approve payment processes within minutes, making shopping smoother than ever.

2. Easier to Access Than Credit Cards

Many people struggle to get credit cards due to strict eligibility or a lack of credit history. In fact, some users are even afraid of applying it as it involves massive terms and conditions and may impose processing fees. This is where top mobile app development company have developed BNPL apps that skip those hurdles and give instant access to short-term credit.

3. Psychological Ease

Making a shopping trip without the stress of managing immediate finances can be a great relief for users. These are the kind of apps that let you buy now pay later will ensure you Psychological ease. Paying in small installments feels lighter than paying a big lump sum immediately. It gives your brain a feeling of being in control — even while spending more.

4. Seamless Checkout Experience

With one-tap integration on most eCommerce platforms, users can complete payments without entering card details every time.

5. Financial Flexibility

From festive shopping to emergency purchases, BNPL apps are always there to give a financial cushion to customers. Best buy now pay later apps let users manage expenses without draining their savings.

6. Growing Adoption Across the Globe

BNPL services are expanding rapidly beyond metros and helping millions in Tier-2 and Tier-3 cities, and providing digital credits for the first time. 

7. Strong Market Growth

BNPL app market is projected to reach USD 35.07 billion by 2030, growing at a CAGR of 9.8%, showing its massive future potential.

10 Top BNPL Apps in the Globe For Easy Shopping

1. Afterpay

Afterpay is one of the most trusted Buy Now, Pay Later apps that has transformed the way people shop and pay. This trusted digital payment platform lets shoppers split purchases into four equal, interest-free payments in six installments that can be paid over six weeks. From fashion and beauty to tech and lifestyle, Afterpay partners with thousands of retailers worldwide and makes shopping easier for customers.

Key Highlights:

• Users can split the bill into four easy and interest-free installments
• No credit checks or hidden fees
• Integrated with top brands across the industries
• Sending real-time notifications to track payments

☑️ Founded: 2014

☑️ Headquarters: Sydney, Australia

2. Klarna

Klarna is a global leader in BNPL services, offering multiple flexible payment options, including pay immediately, pay within 30 days, or split payments over time. Being developed Fintech software development companies, this app ensures a hassle-free payment processing experience to the users. 

Beyond managing payments, it enhances the shopping journey by empowering users with features like deal discovery, order tracking, and exclusive brand discounts.

Key Highlights:

• Serves over 150 million users worldwide
• Offers multiple payment timelines
• In-app shopping browser and rewards program
• Available across 45+ countries

☑️ Founded: 2005 

☑️ Headquarters: Stockholm, Sweden

3. Affirm

Affirm gives users the freedom to buy now and pay later with complete transparency. There are no hidden charges, compounding interest, or complex processing. It offers flexible installment plans and allows users to repay installments ranging from 3 to 36 months. This app solution is ideal for both small and large purchases. Affirm is integrated with various brands like Walmart, Peloton, and Expedia.

Key Highlights:

• Transparent, interest-free or low-interest plans
• No late fees or penalties will be imposed
• Flexible repayment tenure ranging from 3 to 36 months
• Integrated with major US retailers and eCommerce sites

☑️ Founded: 2012 

☑️ Headquarters: San Francisco, USA

4. Zip (formerly Quadpay) 

While counting on the best buy now, pay later apps, Zip is one of the best BNPL apps that allows users to pay for their purchases in four interest-free installments over six weeks. It’s accepted by thousands of online and offline stores globally. With its virtual card integration, users can easily shop anywhere Visa is accepted.

Key Highlights:

• Four equal payments over six weeks
• Works in both offline and online stores
• Act as a Virtual card for seamless checkout
• Seamlessly operates across 15+ global markets

☑️ Founded: 2013 

☑️ Headquarters: Sydney, Australia

5. Sezzle 

Sezzle offers interest-free installment plans that promote responsible spending. It enables users to split payments into four equal payments that need to be paid over six weeks. This app comes with reschedule options if needed. The platform emphasizes financial empowerment by providing transparent terms and spending insights.

Key Highlights:

• Split purchases into 4 equal, interest-free payments
• Free rescheduling of payment is available once per order
• Option to build a credit score via the Sezzle up program
• Instant approvals with soft credit checks only.

☑️ Founded: 2016 

☑️ Headquarters: Minneapolis, USA

6. PayPal Pay in 4 

Like other all buy now pay later apps, PayPal’s trusted ecosystem also allows you to split bills into 4 equal, interest-free payments. With PayPal’s global reach, this app brings BNPL convenience to millions of existing PayPal users and ensures safety and trust by maintaining transparency in each transaction.

Key Highlights:

• Integrated within PayPal checkout with no interest setup
• Strong buyer protection and fraud security
• Covered by PayPal’s global buyer protection
• Available for purchases between $30-1500

☑️ Founded: 2020 (BNPL launch)

☑️ Headquarters: San Jose, USA

7. ZestMoney 

ZestMoney enables Indian shoppers to buy products now and pay later in EMIs, even without a credit card or credit score. It partners with leading eCommerce platforms like Amazon, Flipkart, and MakeMyTrip, promoting inclusive credit access across India. If you are also seeking to empower your ecommerce platform with the BNPL app, then it is worth looking for payment Gateway software development services.

Key Highlights:

• No credit card or CIBIL score required for EMI approvals
• Offer a credit limit of up $2,00,000 based on profile
• Repayment tenures from 3 to 18 months
• Accepted by leading merchants like Amazon, MakeMyTrip, and more.

☑️ Founded: 2015

☑️ Headquarters: Bengaluru, India

8. Scalapay

Scalapay is a European BNPL platform designed for stress-free shopping. It allows users to split purchases into three equal, interest-free installments. With growing partnerships across luxury, fashion, and lifestyle brands, Scalapay is quickly expanding its European footprint and allowing users to access it for both online and offline payments.

Key Highlights:

• Split payments into 3 equal, interest-free installments
• Focus on lifestyle and fashion sectors
• Quick approval with minimal personal data
• Simple integration for retailers

☑️ Founded: 2019 

☑️ Headquarters: Milan, Italy

9. Openpay

Openpay stands apart by offering extended repayment plans ranging from 2 to 24 months. This digital payment platform is ideal for larger purchases such as healthcare, education, and automotive services. Its flexible model caters to both retail and essential spending categories.

Key Highlights:

• Ensuring extended repayment plans up to 24 months
• Ideal for high-value and essential purchases
• Transparent pricing with no hidden costs
• Offering real-time approval and transparent pricing

☑️ Founded: 2013

☑️ Headquarters: Melbourne, Australia

10. LazyPay

LazyPay simplifies digital payments by offering a seamless Buy Now, Pay Later service for online shopping, bill payments, mobile recharges, and small personal loans. With quick approvals and easy repayment options, LazyPay helps users enjoy instant credit without paperwork.

Key Highlights:

• Instant approval and quick credit access
• EMI and pay-later options for flexible spending
• Integrated with 250+ Indian merchants
• Simple app interface and quick disbursals

☑️ Founded: 2017

☑️ Headquarters: Mumbai, India

In a nutshell, these all are best buy now pay later apps empowering consumers to shop without any friction and financial stress. But as various emerging technologies are entering into various industries, therefore BNPL apps are constantly revolutionizing and catering to future needs. 

How All Buy Now Pay Later Apps Are Getting Future-Ready

The global BNPL market is evolving fast, and these apps aren’t just keeping up; they’re fastly transforming how consumers experience shopping. With digital lending projected to surpass $500 billion globally by 2030, BNPL platforms are investing heavily in latest technologies and adopting modern features that ensure convenience and flexibility to customers.

Here’s how these BNPL platforms are preparing for the future of digital payments:

1. AI-Powered Credit Assessments

New-age BNPL apps are leveraging AI/ML capabilities to monitor the spending behaviour and repayment patterns of users. Analyzing these behaviours, these apps offer instant approvals on payments without relying solely on traditional credit scores. By tracking the user history, AI-powered BNPL apps can easily judge your repayment capabilities and accordingly approve the payment limits.

2. Deeper E-commerce Integration

The top BNPL apps like Klarna, Afterpay, or Amazon Pay Later are embedding BNPL options directly at checkout to ensure a faster and frictionless shopping experience. With these deeper integrations, customers can find BNPL payment options next to the Credit/debit card or COD payment options.

3. Enhanced Security with Blockchain

BNPL apps are constantly improving their app security and maintaining high-end transparency using blockchain technology. Many BNPL providers are experimenting with blockchain and encrypted payment systems to enhance transaction transparency and prevent fraud. 

4. Financial Wellness Features

Beyond just splitting the shopping bills into equal installments, BNPL apps now offer spending insights, budgeting tools, and credit-building features to promote healthy financial habits.

How To Choose the Right Buy Now Pay Later App For You

With dozens of BNPL options available on the market, selecting the right one to integrate into your e-commerce platform can make a significant difference. The right choice of buy now, pay later apps can ensure smooth payment processing and enable you to manage payments without any friction.

Here’s what to look for before you hit “Buy Now, Pay Later”:

1. Check Eligibility & Credit Limits

Every BNPL app has its own approval criteria and spending limits. While choosing the one, make sure that it matches your income, spending habits, and credit profile.

2. Check for Interest Rates or Platform Fees

Many BNPL apps offer you interest-free repayment. But every platform has different processing charges, and they may charge minimal processing fees or late payment penalties. Before you make any decision, it is always better to read the fine print before signing up.

3. Look for Flexible Repayment Options

Opt for an app that lets you customize payment schedules. Make sure it allows you to reschedule the payment, whether it be weekly, bi-weekly, or monthly. Choose a platform that offers flexible repayment options without hidden costs.

4. Ensure Strong Security & Privacy

Pick a trusted provider that ensures strong data encryption, seamless transactions, and transparent policies to safeguard your financial information. 

5. Evaluate Platform Coverage

Choose apps that are integrated with major e-commerce platforms and retail partners. The broad platform coverage enables you to enjoy seamless checkout experiences everywhere you shop.

6. Check Customer Support & App Experience

Responsive customer service and an easy-to-navigate app interface can save you a lot of headaches when managing payments or resolving issues.

How ScalaCode Can Help You Develop a Buy Now Pay Later App?

Looking to build your own Buy Now, Pay Later (BNPL) platform that competes with global leaders like Afterpay, Klarna, or LazyPay? ScalaCode, being a leading Fintech app development company, can help you make it happen.

At ScalaCode, we are backed by a certified team of developers who specialize in creating secure, scalable, and regulation-ready BNPL solutions customized to your business model. 

As modern customer needs are evolving, therefore, ScalaCode go up and beyond in incorporating the new-age features in the BNPL app. From real-time credit scoring to automated EMI management and seamless merchant integration- we engineer everything your app needs to deliver smooth user experiences and strong ROI.

Our developers can help you develop BNPL app that implement AI-driven risk assessment, multi-layer payment security, and robust backend architecture to ensure every transaction is transparent and secure. 

We ensure instant, safe, and compliant with financial standards while delivering BNPL apps. Whether you’re a startup aiming to enter the digital lending space or an enterprise expanding your fintech ecosystem, ScalaCode accelerates your BNPL app journey right from concept to launch.

Conclusion: Building the Future of Payments with ScalaCode

The rise of Buy Now, Pay Later isn’t just transforming how people pay. It is actually redefining how businesses sell, engage, and grow with an increasing user base. BNPL has evolved from a simple checkout feature into a core product strategy that drives conversions, loyalty, and customer lifetime value.

Whether you sell or build, the real win is creating a BNPL experience centered on customer ease, not just transactions. 

At ScalaCode, we help you go beyond basic integrations and craft custom BNPL platforms that align with your business goals, compliance needs, and growth roadmap. Because in today’s digital economy, the right BNPL solution isn’t just a payment option, it’s your competitive advantage.

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