Afterpay has long been one of the most recognizable names in the Buy Now, Pay Later (BNPL) space. Its promise of interest-free installment payments has made it a go-to payment option for younger consumers and online shoppers. But in 2025, shoppers and merchants alike are re-evaluating their options. From concerns about merchant fees to limitations in global support and strict payment schedules, many are exploring other services that offer greater flexibility and transparency.
The BNPL industry is experiencing rapid growth. A 2024 report by Statista showed that over 51% of U.S. consumers aged 18–34 use BNPL services regularly, and global BNPL transaction volume is expected to exceed $600 billion by the end of 2025. This growth has encouraged innovation and competition, leading to the emergence of numerous alternatives that rival Afterpay in functionality, reach, and user experience.
1. Klarna
Klarna is one of the biggest global competitors to Afterpay. Based in Sweden, Klarna allows users to pay in four interest-free installments, delay payment by 30 days, or opt for longer-term financing. Its platform integrates with major retailers and offers a feature-rich mobile app for managing purchases, tracking deliveries, and earning rewards. Klarna is particularly favored in Europe and has built a loyal base among fashion and lifestyle brands.
2. PayPal Pay in 4
PayPal Pay in 4 gives existing PayPal users an easy way to split purchases into four interest-free payments. It’s available at millions of online stores and doesn’t require any additional sign-up for PayPal account holders. The service is deeply integrated into the PayPal checkout flow, making it a seamless upgrade for merchants already using the platform. For consumers, it offers the added benefit of PayPal’s buyer protection policies.
3. Sezzle
Sezzle is a BNPL platform that empowers consumers with flexible payments and budgeting tools. It offers the ability to pay in four interest-free installments and includes a credit-building option called Sezzle Up. This makes it attractive to younger users who are new to credit or want to improve their financial profiles. Sezzle also partners with eco-conscious and mission-driven brands, giving it appeal among socially responsible consumers.
4. Zip (formerly Quadpay)
Zip is a strong contender in the U.S. and Australia. It allows users to split purchases into four installments and offers a virtual card feature that lets users shop anywhere Visa is accepted. Zip’s mobile app includes spending insights, budgeting tools, and a streamlined user experience. Its in-store functionality and growing global presence make it an increasingly preferred choice.
5. Affirm
Affirm sets itself apart with a more traditional financing model. It offers installment loans that can range from three to 36 months, with clear, upfront terms and no hidden fees. While not always interest-free, Affirm’s transparency is a major selling point. It is often used for higher-ticket purchases like electronics, fitness equipment, and furniture, where longer payment periods are essential.
6. Splitit
Splitit operates differently than other BNPL services. Instead of extending new credit, it lets users divide purchases into monthly installments using their existing credit cards. There’s no application or credit check, and no interest is charged as long as the user pays their credit card bills on time. This method is particularly attractive to those who want installment flexibility without opening a new credit account.
7. Laybuy
Laybuy provides a straightforward six-week, interest-free payment model. Users are pre-approved for a spending limit, and payments are deducted weekly. Laybuy is especially popular in the UK, New Zealand, and Australia. It appeals to shoppers who prefer short-term, predictable repayment schedules and simple mobile interfaces for payment tracking.
8. Perpay
Perpay blends BNPL with payroll-deducted financing. It allows users to shop from its curated marketplace and pay off purchases through small, automatic deductions from their paycheck. Perpay also reports payment activity to credit bureaus, helping users build or improve their credit scores. This makes it an excellent option for those who may not qualify for traditional credit products.
9. Zebit
Zebit focuses on making financing accessible to individuals with little or no credit history. It offers a wide range of products with interest-free payments and soft eligibility checks. Zebit approves spending limits based on income rather than credit scores, making it a valuable alternative for credit-challenged consumers.
10. ViaBill
ViaBill is a rising BNPL option that lets U.S. shoppers split payments into four monthly installments. It is gaining traction among smaller eCommerce businesses due to its simplicity and ease of integration. ViaBill’s no-interest model and quick approval process make it a practical solution for both buyers and merchants seeking low-friction checkout options.
Choosing the Best Afterpay Alternative in 2025
Afterpay helped pioneer the BNPL trend, but it’s no longer the only choice. Today’s shoppers want flexible, transparent, and responsible payment options, and the growing list of competitors proves the demand is there. Whether you’re shopping online, managing a business, or offering BNPL at checkout, there’s an option tailored to your needs.
At Wbcom Designs, we help eCommerce brands integrate BNPL services into their WordPress, WooCommerce, or custom websites. Our team can implement secure, user-friendly payment systems that support consumer trust and boost conversion rates.
Interested in integrating BNPL into your website? Contact Wbcom Designs today to create seamless payment experiences that drive growth and customer satisfaction.
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