Top 10 Apps Like Klarna in 2025: Buy Now Pay Later Solutions Compared

It always starts the same way. A great product, an eager customer, and then friction at checkout.

Maybe they’re waiting for their next paycheck.

Maybe they just don’t want to max out their credit card.

Either way, that moment of hesitation?

It’s where you lose them.

That’s where Buy Now Pay Later (BNPL) steps in.

If you’re a founder building an e-commerce product or trying to improve conversions for your platform, you’ve probably heard the same question we get all the time:

“What are the best apps like Klarna we can integrate? What are the safest, most scalable BNPL solutions out there?”

This blog is for you, as you can explore the top alternative to Klarna and how pay later apps like Klarna work.

Why Klarna and Why Look for Alternatives?

Klarna made BNPL mainstream, no doubt.

Their smooth user interface and flexible payment terms made them a go-to for both merchants and customers.

But Klarna isn’t perfect for every business. Maybe you’re operating in a region Klarna doesn’t support.

Maybe you’re looking for lower fees, better developer tools, or more control over customer experience.

Or maybe you’re trying to compare BNPL apps based on how they impact your bottom line.

That’s why you need to explore Klarna competitors, not just as backups, but as strategic Klarna alternative apps that might be better suited to your product.

From fashion to fintech, our team at Seven Square has seen just how important it is to choose the right fit.

Whether you’re looking for fast-to-market integrations or building a custom BNPL flow, we’ve delivered solutions with swift execution, & product-minded engineering.

Top 10 Buy Now Pay Later Apps Like Klarna in 2025

These are the top apps like Klarna that deserve your attention this year. We’ll break down how they work, who they’re best for, and what makes them stand out.

1. Afterpay

• Afterpay is a leading BNPL provider that allows customers to split purchases into four interest-free payments due every two weeks.
• It’s especially popular among Gen Z and millennial shoppers, with wide adoption in fashion, lifestyle, and beauty sectors.
• Afterpay provides a smooth and intuitive checkout experience, making it a favorite for e-commerce brands targeting impulse buyers.
• It integrates easily with major platforms like Shopify and WooCommerce.
• Merchants benefit from immediate full payment upfront, while Afterpay assumes the repayment risk.
• For founders building D2C platforms, it’s a high-converting, low-friction payment tool.
• At Seven Square, we’ve helped brands use Afterpay not just for payments, but to coordinate stock flow and re-engagement.
• As far as apps like Klarna go, Afterpay delivers on simplicity, trust, and reach.
• Learn more to develop a BNLP app like Afterpay.

2. Affirm

• Affirm is a powerful BNPL solution built for higher-value purchases and subscriptions.
• It offers flexible payment plans, from 4 interest-free payments to long-term financing up to 36 months with clear, upfront terms and no late fees.
• Affirm is ideal for verticals like electronics, furniture, and travel, where larger cart sizes require more financial flexibility.
• Its partnerships with big names like Peloton and Expedia prove its credibility.
• From a technical standpoint, Affirm provides robust APIs and dashboards, making integration smooth.
• Merchants also benefit from Affirm’s real-time risk assessment and fraud prevention.
• Compared to Klarna, Affirm stands out for its transparency and long-term options.
• If you’re looking for Klarna competitors that serve more considered purchase decisions, Affirm is a strong candidate.
• We’ve used it in fintech products where compliance and clarity were essential.

3. Sezzle

• Sezzle is a U.S.-based BNPL app that allows users to split their purchases into four interest-free payments over six weeks.
• Its key differentiator? Credit building.
• Sezzle helps users improve their credit by reporting payment activity to credit bureaus, a feature that appeals strongly to younger and financially conscious consumers.
• It also approves more customers than some competitors, which can boost your conversion rates.
• From the merchant’s side, Sezzle offers fast onboarding and competitive fees.
• It works across major platforms and can be integrated into mobile and web checkouts.
• If your business targets Gen Z or prioritizes inclusive access, Sezzle is an excellent Klarna alternative app.
• We’ve implemented Sezzle for fashion marketplaces targeting ethical, value-driven buyers, and the results were meaningful.

4. Zip (formerly Quadpay)

• Zip is a flexible, global BNPL app available in over 10 countries. Like Afterpay and Klarna, it splits payments into four installments.
• But what makes Zip unique is its omnichannel capability that works online, in mobile apps, and in-store via virtual cards.
• This makes Zip an ideal fit for retail brands with physical and digital storefronts.
• Customers love the flexibility, and merchants gain access to a broader user base. Zip offers developer-friendly APIs and supports instant onboarding.
• It also gives merchants the option to create custom promotional campaigns with Zip incentives.
• Zip is particularly strong when you need a pay later app like Klarna that can keep up with hybrid shopping experiences.
• For founders who think beyond just e-commerce, Zip is worth a close look.

5. Splitit

• Splitit is a unique BNPL solution that doesn’t issue loans or charge interest.
• Instead, it lets customers use their existing credit card balance and splits the payment into installments, holding the full amount as an authorization and charging monthly.
• This eliminates debt risks and credit checks.
• For businesses, this means faster approvals, reduced cart abandonment, and zero risk of fraud or missed payments.
• Splitit also supports B2B transactions, which makes it an outlier among BNPL apps.
• If your business serves professionals or high-value markets, Splitit can be a game-changer.
• We’ve recommended Splitit to clients who needed global scalability without the complications of third-party financing.
• As apps similar to Klarna go, Splitit offers a debt-free, frictionless alternative.

6. Laybuy

• Laybuy is a BNPL app founded in New Zealand with a strong presence in the UK and Australia.
• It allows customers to pay in six weekly, interest-free installments.
• What sets Laybuy apart is its consumer-friendly approval process and transparency; users can even choose their payment day.
• This leads to fewer defaults and more consistent engagement.
• For merchants, Laybuy offers fast integration, risk-free payments, and access to an engaged customer
• Its dashboard provides strong analytics, and promotions can be tailored to increase average order value.
• We’ve helped several clients in fashion and lifestyle spaces use Laybuy to drive conversion rates without complicating the checkout flow.
• If you’re targeting the Southern Hemisphere or want to buy now pay later apps with strong regional performance, Laybuy is a smart Klarna competitor.

7. Zilch

• Zilch is a London-based BNPL app that combines flexible payments with cashback rewards.
• It’s available as a virtual Mastercard, enabling customers to shop online and in-store while earning rewards that most apps like Klarna don’t offer.
• Zilch’s twist is its dual model: pay in 4 with zero interest or pay in full and earn cashback.
• The app is tightly integrated with consumer budgeting tools, making it a strong option for financial wellness-focused users.
• It’s ideal for D2C brands that want to drive loyalty and repeat engagement.
• From a founder’s point of view, Zilch offers differentiation in crowded categories.
• We can integrate Zilch for lifestyle apps where customer retention matters just as much as checkout speed.
• Zilch stands out as a new-age BNPL solution with added perks.

8. PayPal Pay Later

• PayPal’s Pay Later feature is the BNPL extension of its widely trusted platform.
• It allows users to pay in 4 interest-free installments or opt for longer-term financing.
• Its biggest advantage? Trust and reach. Millions of customers already have PayPal accounts, which removes the onboarding hurdle.
• For businesses already using PayPal Checkout, enabling Pay Later is fast and frictionless.
• It works well for small and large merchants alike, and PayPal assumes the credit and fraud risk.
• As BNPL apps go, PayPal Pay Later isn’t the flashiest, but it is one of the most effective.
• Founders looking for minimal integration effort with maximum impact will find this a smart choice.
• We’ve seen clients increase conversions significantly just by turning this feature on.

9. Perpay

• Perpay is a U.S.-focused BNPL platform designed for consumers with limited credit history.
• Unlike traditional buy now pay later apps, Perpay operates as a closed-loop marketplace where users shop from partner brands and pay over time via paycheck deductions.
• This unique model ensures higher repayment rates and empowers users to build credit.
• Perpay reports to credit bureaus and offers a built-in budgeting tool.
• For brands targeting blue-collar or credit-rebuilding demographics, Perpay is a meaningful Klarna alternative.
• From a technical standpoint, integration is simple, but brand placement inside the Perpay marketplace is where the value lies.
• We’ve helped consumer electronics startups onboard to Perpay and saw substantial uplift from audiences that Klarna often excludes.

10. Tabby

• Tabby is the leading BNPL provider in the Middle East and North Africa (MENA) region.
• It allows shoppers to split payments into four interest-free installments.
• What makes Tabby powerful is its localization, as it supports Arabic, integrates with regional banks, and provides strong mobile support.
• For businesses expanding into emerging markets, Tabby is a trusted Klarna alternative app with excellent market penetration.
• It offers instant decision-making, simple integration, and a highly engaged customer base.
• Tabby also enables brands to run targeted promotions to drive adoption.
• We can deploy Tabby for platforms scaling into the UAE and Saudi Arabia, where Klarna has limited presence.
• If your roadmap includes the MENA region, Tabby deserves a top spot on your shortlist.

How to Choose the Right Klarna Alternative for Your Business?

We’ve built and shipped fintech, e-commerce, and marketplace products where the payment layer had to move fast without compromising compliance or customer trust.

From our experience, here’s how you should evaluate any buy now pay later app:

• Market reach: Where are your customers?
• Merchant fees: Klarna isn’t always the cheapest.
• Integration speed: Can your tech team get it live fast?
• Customer experience: Will your brand still shine through?
• Risk exposure: Who holds the liability?

A one-size-fits-all BNPL integration rarely works. You need product-specific insight.

And that’s where our development comes in.

We’ve helped startups and enterprises alike craft custom payment solutions that merge speed with scalability, often launching MVPs in weeks, not months.

Want to integrate an app like Klarna? Contact Us Now!

Why BNPL Isn’t Just a Payment Feature but It’s a Product Strategy?

The shift to BNPL apps isn’t just about giving users more payment options.

It’s about removing friction, increasing average order value, and giving your brand a competitive edge.

Apps like Klarna and their competitors are shaping the next wave of fintech-enabled commerce.

If you’re not thinking about how BNPL integrates with your customer journey, checkout, returns, and reminders you’re missing out.

We’ve worked with founders who went from “let’s add BNPL” to “let’s build our own BNPL layer.”

Both paths are valid, but only if you’re clear about your goals.

Don’t Just Plug It In, Make It Work

Adding a BNPL app isn’t about ticking a feature box. It’s about choosing a partner that aligns with your growth strategy.

When we build with clients, we don’t just slap in an integration and call it a day. We ask: how does this feature serve your users, your brand & your roadmap?

So, whether you’re looking for apps similar to Klarna, comparing Klarna competitors, or evaluating top buy now pay later apps to unlock new revenue streams, don’t choose based on a logo.

Choose based on fit. On speed. On real results.

Because that one moment and the friction point at checkout is your opportunity to win.

And the right BNPL solution? It helps you do just that.