Global Buy now pay later Usage Statistics and Market Share
We are tracking usage statistics and market share of 31 web technologies in Buy now pay later. In July 2025 the most popular web technology in Buy now pay later is Afterpay with 45% market share. In second place there is Klarna Checkout with 17% market share. After that there are PayPal Credit with 14%, Affirm with 2% and Tabby with 2% market share. Top 5 web technologies together have 80% market share. The remaining 26 web technologies in Buy now pay later have a combined market share of 20%.
About Buy now pay later
We are tracking 31 different technologies in Buy now pay later.
There are 62,045 websites using Buy now pay later in out database.
Buy now pay later Usage Statistics and Market Share in July 2025
#1 Afterpay 
45.44%
#2 Klarna Checkout 
16.56%
#3 PayPal Credit 
14.01%
#4 Affirm 
8.54%
#5 Tabby 
2.12%
#6 SeQura 
2.03%
#7 Aplazame 
1.77%
#8 LayBuy 
1.63%
#9 Zip 
1.59%
#10 ViaBill 
1.35%
#11 Sezzle 
0.93%
#12 hoolah 
0.84%
#13 Grab Pay Later 
0.74%
#14 Four 
0.58%
#15 Atome 
0.48%
#16 Tamara 
0.31%
#17 SplitIt 
0.30%
#18 Postpay 
0.26%
#19 Bread 
0.17%
#20 ZestMoney 
0.13%
#21 Pace 
0.10%
#22 DivideBuy 
0.04%
#23 ChargeAfter 
0.03%
#24 Partial.ly 
0.02%
#25 Paidy 
0.02%
#26 Simpl 
0.01%
#27 etika 
0.00%
#28 Laterpay 
0.00%
#29 PayBright 
0.00%
#30 Spotii 
0.00%
#31 Humm 
0.00%
Technologies in Buy now pay later
Afterpay
Afterpay is a buy now, pay later service that allows customers to split the cost of an online purchase into four interest-free installments, with payments made weekly over 2 weeks. It's used by merchants to process payments and manage transactions. Afterpay acts as an intermediary between the customer and merchant, facilitating the installment payments.
Klarna Checkout
Klarna Checkout is a payment solution that allows customers to pay for purchases in installments, providing a flexible payment experience. It simplifies the checkout process by integrating seamlessly into e-commerce websites. Klarna handles the payment and financing, offering options like "Pay in 3 Instalments" and "Buy Now, Pay Later.
PayPal Credit
PayPal Credit is a credit card offered by PayPal that allows customers to make purchases now and pay them off over time without interest if certain conditions are met. It provides an alternative payment option for those who prefer not to use traditional credit cards or cash.
Affirm
Affirm is a payment processor that allows customers to pay for purchases in monthly installments with flexible payment options and interest-free financing for eligible items. It aims to provide more accessible and convenient payment methods for online shopping. Affirm helps shoppers buy now and pay later without interest.
Tabby
Tabby is a payment processor that streamlines the integration and management of various payment methods for businesses, offering customizable solutions to optimize financial transactions. Tabby AI automates and enhances payment processes, providing businesses with a more efficient and user-friendly payment experience. ### Tabby (https://tabby.
SeQura
SeQura is a financial technology company that offers a flexible, interest-free Buy Now Pay Later (BNPL) solution to consumers, allowing them to split the cost of their purchases over several months without incurring additional fees or interest charges. SeQura enables merchants to offer a convenient and flexible payment option to their customers, enhancing the shopping experience and driving sales growth.
Aplazame
Aplazame is a financial technology company that offers a payment processing platform with a focus on deferred payments and financing options for online businesses. Their process allows customers to pay for products or services over time, improving the shopping experience and increasing sales for merchants. Aplazame provides an easy-to-integrate solution that enhances customer acquisition and retention by offering flexible payment terms.
LayBuy
LayBuy is a finance company that allows customers to buy now and pay for their purchases in installments, effectively providing a form of deferred payment or financing. This enables customers to make larger purchases without having to pay the full amount upfront. The company partners with retailers to offer this service to customers during the checkout process.
Zip
Zip is a payment gateway that simplifies online and in-store transactions for merchants. It integrates with various payment methods, streamlining the checkout process and handling the technical aspects, allowing businesses to focus on growing their operations. Zip also offers advanced features like risk management and recurring payments to enhance security and convenience for both merchants and customers.
ViaBill
ViaBill is a "Buy now pay later" fintech platform that allows customers to purchase products or services from merchants and pay for them in installments over time, without interest or fees, enhancing the shopping experience and increasing sales for merchants. ViaBill's technology seamlessly integrates with existing payment systems, offering a frictionless payment process for both customers and merchants.
Sezzle
Sezzle is a financing platform that allows consumers to make purchases over time without interest, working with various retailers and payment processors to facilitate easy installment payments. Sezzle processes payments and manages financing for retailers and their customers. Sezzle enables consumers to split the cost of purchases into manageable monthly installments, making it easier for them to afford items they want or need.
hoolah
hoolah is a financial technology platform that offers buy now pay later services to consumers, enabling them to make purchases without paying the full amount upfront. hoolah provides users with flexible payment options, allowing them to pay off their purchases in installments over time, making it easier to manage their finances and budget their expenses.
Grab Pay Later
Grab Pay Later is a financial service provided by Grab, a ride-hailing and food delivery company, that allows users to make purchases through instalments without interest or fees. Users can apply for the service through the Grab app and make payments via various channels such as credit card, debit card, or bank transfer.
Four
Four is a payment processor that allows businesses to accept payments from customers through their website, mobile app, or in-person using a simple and secure payment gateway. Four provides a range of payment options, including credit and debit cards, digital wallets, and alternative payment methods. The platform is designed to be user-friendly and integrates seamlessly with existing commerce systems to help businesses grow their revenue.
Atome
Atome is a buy now pay later platform that allows customers to make purchases without interest or fees, promoting flexible payment options. Atome is a buy now pay later service that enables customers to make purchases interest-free in installments, offering flexible payment options.
Tamara
Tamara is a payment infrastructure provider that simplifies the integration of global payment methods into e-commerce platforms and applications. They offer a comprehensive suite of services, including payment processing, risk management, and fraud detection, tailored for businesses of all sizes and industries. With their API-first approach, businesses can seamlessly add payment functionalities to their existing systems without extensive development effort.
SplitIt
SplitIt is a payment processing platform that allows users to split payments into interest-free installments, making it easier to manage larger purchases or group payments. The platform integrates with various e-commerce websites and can be used for both individual and group financing. It supports multiple payment methods and provides a seamless checkout experience for customers.
Postpay
Postpay allows customers to buy goods and services now and pay for them in installments without interest or fees, promoting flexible financing options. Certainly! Postpay is a buy now pay later service that enables customers to make purchases and pay in installments with no interest or fees, offering flexible financing.
Bread
Bread is a payment processing platform that enables businesses to accept various forms of payments, including credit cards, debit cards, and ACH transfers, directly through their website or mobile app. The service provides secure and convenient payment solutions for online merchants and e-commerce businesses. It offers customizable payment forms and integrates seamlessly with popular e-commerce platforms, making it easy for businesses to process transactions efficiently.
ZestMoney
ZestMoney is a financial service that allows customers to make purchases now and pay for them in easy, interest-free installments over time without any processing fees. Users can easily buy now and pay later with just a few clicks. It offers a convenient and flexible alternative to traditional financing options.
Pace
Pace is a payment processing platform that allows businesses to accept credit card, debit card, and mobile payments securely and easily. To use Pace, businesses can connect their account to their bank or payment processor and manage their transactions, subscriptions, and recurring billing through a user-friendly dashboard.
DivideBuy
DivideBuy is a payment solutions platform that allows customers to pay for products and services in installments, offering flexible payment options through various payment processors. Sure! DivideBuy is a payment solutions platform that enables customers to pay for products and services in installments through various payment processors, offering flexible and convenient financing options.
ChargeAfter
ChargeAfter is a payment processing company that offers flexible payment plans and installment options for online businesses. It enables customers to pay for products or services over time, rather than in a single lump sum, making it easier for them to make purchases. ChargeAfter provides businesses with the tools to accept installment payments, manage risk, and improve customer satisfaction.
Partial.ly
Partial.ly is a payment platform that enables businesses to accept payments through various processors, offering flexibility and customization for different payment needs. Imagine Partial.ly as a versatile payment hub that connects multiple payment processors to give businesses the freedom to choose and switch between them easily. It simplifies payment processing by handling the integration, allowing companies to focus on growing their business. With Partial.
Paidy
Paidy is a payment processing platform that offers businesses an all-in-one solution for accepting and managing payments. It provides quick and secure payment processing services, as well as financial management tools to help businesses grow and scale.
Simpl
Simpl is a platform that simplifies the payment process by enabling businesses to accept payments from customers through various methods including credit cards, bank transfers, and digital wallets. It provides an easy-to-use interface for merchants to manage transactions, process payments, and generate reports.
etika
etika is a financial service that allows customers to purchase goods and services without paying immediately, instead opting for a pay-later option with flexible terms. It enables consumers to spread out payments over time, offering greater financial flexibility and convenience.
Laterpay
Laterpay is a subscription-based payment processor that enables businesses to offer recurring payments and subscription plans, while managing the billing and payment processing for their customers. It supports various payment methods and provides tools for billing, managing customers, and generating reports.
PayBright
PayBright is a Canadian-based payment processing platform that enables educational institutions, not-for-profits, and other organizations to offer flexible payment plans for tuition, fees, and donations. It helps manage installment payments, reduces financial barriers for students, and improves cash flow for organizations.
Spotii
Spotii is a payment processing platform that allows businesses to accept payments from customers in a variety of ways, including credit cards, ACH, and mobile payments. It also provides tools for managing payments, such as invoicing and fraud detection.
Humm
Humm is an online buy now pay later platform for retailers that allows customers to split the cost of their purchases into interest-free installments. Humm provides a flexible and convenient payment solution for shoppers, enabling them to make purchases without immediate payment, while offering retailers an opportunity to increase sales and customer loyalty.
Buy now pay later Market Share History in Last 12 Months
| Technology | September 2024 | October 2024 | November 2024 | December 2024 | January 2025 | February 2025 | March 2025 | April 2025 | May 2025 | June 2025 | July 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Afterpay | 45.89% | 45.74% | 45.24% | 44.48% | 44.47% | 45.60% | 45.43% | 45.47% | 45.45% | 45.44% | 45.44% |
| Klarna Checkout | 15.34% | 15.32% | 15.36% | 15.56% | 15.75% | 15.98% | 16.16% | 16.33% | 16.44% | 16.55% | 16.56% |
| PayPal Credit | 15.30% | 15.30% | 15.40% | 16.46% | 16.04% | 14.84% | 14.57% | 14.32% | 14.13% | 14.02% | 14.01% |
| Affirm | 7.81% | 7.94% | 8.22% | 8.19% | 8.22% | 8.20% | 8.36% | 8.41% | 8.49% | 8.54% | 8.54% |
| Aplazame | 1.99% | 1.97% | 1.95% | 1.94% | 1.88% | 1.84% | 1.81% | 1.79% | 1.78% | 1.77% | 1.77% |
| Zip | 1.92% | 1.93% | 1.95% | 1.85% | 1.76% | 1.69% | 1.65% | 1.62% | 1.60% | 1.59% | 1.59% |
| LayBuy | 1.81% | 1.81% | 1.81% | 1.73% | 1.72% | 1.70% | 1.68% | 1.66% | 1.64% | 1.63% | 1.63% |
| SeQura | 1.86% | 1.89% | 1.93% | 1.95% | 2.08% | 2.06% | 2.07% | 2.05% | 2.04% | 2.03% | 2.03% |
| Tabby | 1.56% | 1.57% | 1.60% | 1.70% | 1.75% | 1.82% | 1.97% | 2.02% | 2.10% | 2.12% | 2.12% |
| Sezzle | 1.37% | 1.36% | 1.32% | 1.04% | 1.02% | 0.98% | 0.96% | 0.94% | 0.93% | 0.93% | 0.93% |
| ViaBill | 1.12% | 1.13% | 1.13% | 1.12% | 1.29% | 1.28% | 1.27% | 1.29% | 1.35% | 1.35% | 1.35% |
| hoolah | 0.86% | 0.86% | 0.89% | 0.86% | 0.87% | 0.87% | 0.86% | 0.86% | 0.85% | 0.84% | 0.84% |
| Grab Pay Later | 0.67% | 0.68% | 0.70% | 0.69% | 0.70% | 0.71% | 0.74% | 0.74% | 0.74% | 0.74% | 0.74% |
| Four | 0.58% | 0.58% | 0.59% | 0.58% | 0.59% | 0.58% | 0.58% | 0.59% | 0.59% | 0.58% | 0.58% |
| Atome | 0.48% | 0.49% | 0.49% | 0.48% | 0.49% | 0.49% | 0.49% | 0.49% | 0.48% | 0.48% | 0.48% |
| SplitIt | 0.36% | 0.36% | 0.35% | 0.33% | 0.33% | 0.31% | 0.31% | 0.31% | 0.30% | 0.30% | 0.30% |
| Postpay | 0.30% | 0.30% | 0.30% | 0.28% | 0.28% | 0.27% | 0.27% | 0.27% | 0.26% | 0.26% | 0.26% |
| Bread | 0.22% | 0.21% | 0.20% | 0.19% | 0.19% | 0.18% | 0.18% | 0.17% | 0.17% | 0.17% | 0.17% |
| ZestMoney | 0.16% | 0.16% | 0.16% | 0.15% | 0.15% | 0.13% | 0.13% | 0.13% | 0.13% | 0.13% | 0.13% |
| Tamara | 0.14% | 0.16% | 0.17% | 0.19% | 0.19% | 0.24% | 0.27% | 0.29% | 0.30% | 0.31% | 0.31% |
| Pace | 0.12% | 0.12% | 0.11% | 0.11% | 0.11% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
| DivideBuy | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% |
| ChargeAfter | 0.02% | 0.02% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% |
| Partial.ly | 0.02% | 0.02% | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% |
| Paidy | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% |
| Laterpay | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Simpl | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| PayBright | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Spotii | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| etika | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Humm | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |