The growth in online sales, combined with the current European economic situation, has compelled eCommerce businesses to enhance their payment option offerings at checkout. In addition to the variety and simplicity of tools, it is extremely important for customers to have solutions that allow them to defer, split, and/or finance the total amount of their purchase.
In this list, we have selected the 11 best BNPL (Buy Now Pay Later) tools on the market that will help you provide an optimal service during the checkout process. This compilation is based on the reviews of 58 experts in the field and forms part of our 2025 Ecommtech Guide, which you may download completely free of charge.
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These are the 11 best financing and deferred payment tools for eCommerce:
This tool enables several different payment installment methods, adapting to the unique features of each eCommerce business and offering flexible solutions for their customers.
Among these, we can mention the “pay later” option, which allows payment for the purchased product up to 7 days after completing the order, with no extra cost and without requiring payment card or banking information. Another possibility is “split payment”, which divides the total in 4, 6, 12, or 18 months, allowing the customer to modify their plan at any time. Additional options include “divide into 3”, which lets customers pay in 3 months without interest; “renting”, in which stores allow customers to “lease” products; and “in-store solution,” which facilitates alternative financing in physical stores directly through the customer’s mobile device.
Purchase approval is instant. The company guarantees 100% of the payment and provides a variety of marketing resources to enhance customer knowledge and understanding of this tool. It is also equipped with its own risk algorithm.
Klarna Bank AB, known as Klarna, is a Swedish fintech company rapidly expanding throughout Europe, offering, among other things, online payment tools for online stores. In addition, they provide financing at physical points of sale through their app, which is highly beneficial for companies with an omnichannel approach. Since 2022, they have operated a loyalty program that awards points to members for every payment made through their app.
There are three primary solutions offered:
Furthermore, Klarna centralizes all your orders within their app, where you may manage payments, returns, and receive notifications about promotions. They also provide buyer protection and full transparency: you always see what, when, and how you need to pay.
This service is available at thousands of online stores and can be used instantly—simply select the Klarna option at checkout, choose your plan, and you are set.
This tool enables offering split payments in up to 36 months and allows the customer to select the specific day of the month to make the payment. There is also the option to ship the order and have the client pay 15 days later without fees, or divide their purchases into 4 payments at 0% interest.
It easily integrates with major eCommerce platforms such as Adobe Commerce, Prestashop, WooCommerce, and Shopify, though it is compatible with any website. You may also create your own custom integration via its proprietary API. Additionally, it allows financing options for customers at physical points of sale in a simple manner, using a single SMS.
Led by Carlos Pérez, this fintech was established at the end of 2014 and acquired in August 2018 by the WiZink Bank group, making Aplazame the only real-time financing solution backed by a bank.
This platform allows your customers to pay in 3 or 4 interest-free installments, or simply pay later, without interest, online and in-store. However, you receive the total order amount immediately, and Scalapay assumes all risks of fraud and non-payment. It also provides promotional options, all managed from a single intuitive dashboard.
Integration is quick and straightforward with the main CMS platforms (PrestaShop, Salesforce, Opencart, Storeden, WooCommerce, Adobe Commerce, among others).
Oney is a financial institution owned by Auchan Holding and Groupe BPCEE. Its 3x 4x Oney plan offers digital and 100% mobile financing solutions for eCommerce, allowing customers to pay for their purchases in between 3 and 12 installments for purchases ranging from €90 to €2,500.
The process is completed in 4 minutes without any paperwork. The customer simply fills in their personal details, attaches their ID, and provides the information of the card they wish to use (debit or credit). The system is easily integrated with Adobe Commerce and Prestashop, and also works for physical stores.
Cofidis features the Retail E-commerce solution, allowing customers to instantly finance online purchases in two ways: 4xcard (in 4 installments, for purchases from €75 to €1000) and Cofidis Pay, which enables the client to finance their purchase in up to 50 monthly installments via bank debit, only requiring an identity document and proof of account ownership (for purchases between €75 and €3,000 in up to 50 installments).
It offers a Prestashop integration module, can be integrated with any online store via API, and with payment platforms through PSP.
Floa Pay is BNP Paribas’s flexible payment solution. It is a payment-by-installment tool for eCommerce with more than 20 years of experience, which began its international rollout in 2021 with the launch of its service in Spain. With this tool, consumers can defer and split their payment into three or four installments immediately with only two extra data points: location and date of birth. There is also a “pay later” option for multi-product payments between €50 and €2,499.
Approval is instant and paperwork-free, and the merchant receives full payment immediately, assuming no risk. This solution also provides personalized financing options, purchase behavior analysis, and protection against defaults, allowing brands to increase their conversion rate and average order value. It integrates easily into eCommerce and physical stores, delivering a fast and seamless payment experience.
This is the digital installment payment solution of CaixaBank, a major strength for a tool designed to make online purchase financing easier.
CaixaBank Payments and Consumer provides buyers with a 100% online process, adapts to each online store, and customers do not have to leave your eCommerce site to pay: once the product is added to the shopping cart, they simply select the financing option as the payment method and choose their preferred installment amount.
Pepper is a deferred payment tool that works in a very straightforward manner: the customer customizes the number of installments, enters their information, and signs through their mobile using a PIN sent via SMS. You may fully customize your online store integration using their API or by installing a plugin.
A dedicated app lets you finance up to €10,000 in less than 2 minutes. It also offers a solution for physical stores, marketing resources, and ongoing support. Pepper is already connected with over 11,000 online and physical retail locations through its solutions.
InstantCredit is the digital installment payment solution from Sabadell Consumer Finance, allowing buyers to pay for their purchases in convenient installments in a fast, secure, and fully digital manner. It delivers an intuitive user experience compatible with any device and carries the reliability and assurance of a company specialized in consumer financing, with more than 12,000 affiliated merchants.
This tool covers 3 to 24 monthly payments and offers a wide financing range—up to €4,000 per purchase, with a minimum of €150. The first installment is charged 30 or 60 days after the purchase has been made and the product has been verified.
It enables creating campaigns at 0% APR (by season, by product, by number of installments, etc.) and monitors the credit approval rate, applying measures to increase sales. Integration is available through a simulator, via API, or with leading eCommerce CMS platforms (Prestashop, WooCommerce, and Opencart).
PayPal provides the Buy Now, Pay Later option, available directly from their digital wallet. The main modalities offered include:
This is easily activated when paying with PayPal at participating merchants: select the Pay in installments option and the available plan, based on the amount and your country. Payment management, reminders, and the status of your installments are available via the PayPal app or website. Furthermore, buyer protection and PayPal’s customary security are maintained.
In addition to the highlighted solutions, here are alternatives that may meet your needs: Crédito y Caución, E-Credit Now, Nemuru, Open Bank, Sezzle, Sprinque, and Viabill.
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