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THE BEST 10 BUY NOW PAY LATER COMPANIES IN 2025

The best 10 Buy Now Pay Later companies, apps and software for your website, app or point-of-sale lending in 2025. BNPL companies and boost sales.

Brought to you by Mau, a Senior Finance Marketing Specialist at eDigital.

How to review a “Buy Now Pay Later” app or software

• Payments. How quickly the software or platform will pay you? immediately customers make a transaction from you?
• Instalments. In how many payment instalments are expected for your customers to pay for your products/services?
• Interests. How high is the interest customers will have to pay if they fail to pay the instalments?
• Security. How secure are the transactions made by your customers using the software?
• Returns. Check how the platform manages returns or the new “Keep it” option implemented by Amazon, Walmart and other companies that use artificial intelligence to decide whether it makes economic sense to process a return.

THE BEST 10 BUY NOW PAY LATER (BNPL) COMPANIES IN 2025

According to the Australian Financial Industry Association AFIA, 30% of Australians are using BNPL services. It is clear if your business sells products or services online you may want to do some research about this “Buy Now Pay Later” software tool.

THE BEST 10 BNPL TOOLS IN 2025

The best 10 Buy Now Pay Later companies, software and tools.

10. Afterpay

Afterpay was founded in Sydney, Australia. With Afterpay, you get paid upfront, while your customers pay over time. Afterpay is pre-integrated with the major e-commerce and POS platforms. So whether your business operates in-store, online or both, we will facilitate your integration with industry leaders.

9. Laybuy

Laybuy lets buyers receive their purchases now and spread the total cost over 6 weekly automatic payments. Always interest-free.

8. humm

Humm will pay you upfront. Guaranteed settlement next business day. No refund fees. Humm returns fees on items returned to your store.

7. Klarna

Klarna’s interest-free instalments give shoppers the freedom to choose how and when to pay. You can offer shoppers a new way to pay with 4 instalments. Increase traffic, sales and loyalty when integrated with your online checkout. Instalments offer the benefit of increased purchasing power with the flexibility that fits your customers’ lifestyles.

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6. LatitudePay

5. Openpay

Openpay will pay you in full upfront. You’ll get paid right away (minus any fees) while customers spread the cost. Customers make their first payment upfront, reducing post-purchase regret. If a customer returns something, Openpay will refund almost all merchant fees. You may want to check its “Refunds” policy.

4. Payright

Payright gives your customers the option to pay in convenient bite-size instalments. Payright helps turn ‘too much’ into ‘too easy’ by spreading the cost of purchases over time.

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3. PayPal pay in four

PayPal is one of the most popular online payment processing platforms. PayPal also offers BNPL to millions of online merchants. A great benefit for consumers is that purchases made through PayPal are covered by PayPal’s Purchase Protection, offering users an additional level of security on purchases.

• Performs a soft user credit check.

2. Splitit

Only Splitit lets shoppers use their existing credit cards with no interest. Small payments for your customers mean better business. Because shoppers pay over time using their existing credit, they don’t need to fill out an application or endure a credit check that frustrates them at checkout—leading to higher checkout conversions. Splitit is the only buy-now-pay-later plan that lets shoppers set up payment plans with their existing credit card without interest charges or fees. This keeps their payments small so they get to keep more of their money to spend the way they want.

Just in: The best CRM software and platforms

1. Zip

Sydney-based, Zip Payments offers “buy now, pay later” solutions for merchants, with no sign-up fees and full payments upfront for your business. Zip acquired American company Sizzle in March 2022.  Please note that in Sep 2020, Zip Co (Z1P) completed the purchase of QuadPay, a leading high-growth buy now, pay later (BNPL) player in the United States.

Conclusion

Some of these best Buy Now Pay Later payment systems are particularly advantageous because they are extremely beneficial for consumers who do not have the cash to make big purchases.

Buy Now Pay Later platforms give customers who would otherwise not have access to immediate funds the opportunity to buy a product that they can pay for later and in this way helps small businesses attract new customers.

eDigital can help you conceptualise, plan, develop, run and optimise successful digital marketing campaigns that generate leads and sales for your brand.

Our digital marketing services include:

• Strategic planning for social media and other digital marketing channels.
• Online advertising: Google Ads Search, Display, Re-marketing and social media ads.
• Training: social media marketing training and digital marketing training.
• SEO strategy, SEO content development and execution.
• Celebrity and influencer marketing campaign strategy.
• Branding. Logo creation, brand development and design of marketing materials.
• Consumer contests/competitions/giveaways.
• Email marketing. Dip sequence design and deployment.
• Conversion rate optimisation. Path to purchase analysis and optimisation.

Contact us today and start boosting your leads and sales.

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Final note: Want to reduce customer acquisition costs and dependency on paid media? Our exclusive digital marketing strategy workshops will unmercifully review your marketing, help you build a marketing engine with channels and assets you own, stir your team’s thinking, bring new ideas for new conversion paths and boost customer lifetime value.

THE BEST “BUY NOW, PAY LATER” COMPANIES IN 2025

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Considered one of the best marketing consultants in Sydney, Mau offers some of the best digital marketing strategy workshops and best social media training. Mau also loves football, design, music and art. Marketers are using Mau‘s popular Digital Marketing Plan and Social Media Plan templates

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