Best Buy Now Pay Later Apps in Europe - Page 2

Increase your sales and accelerate growth with Bread's comprehensive approach, designed to connect with more consumers by enabling financing applications and checkouts from any page on your website. By allowing customers to explore their purchasing capabilities through pre-qualification for financing, they can easily check out from various sections of your site, including the homepage, product pages, or even during the checkout process. This innovative solution personalizes pricing by showcasing a customized monthly payment option, which can significantly enhance sales and elevate the average order value. Your customers will appreciate the ability to pre-qualify in mere seconds while remaining on your site, thus providing an effortless and smooth shopping experience. With just a few simple details, shoppers can obtain their financing rates without impacting their credit scores, all while receiving immediate feedback on their eligibility and purchasing options. Bread's seamless integration ensures that customers remain focused on their shopping journey without being redirected to external sites, thus maintaining an uninterrupted user experience and increasing the likelihood of conversion. Additionally, this approach fosters customer loyalty, as shoppers feel empowered and informed throughout their purchasing process.

Our diverse range of financial solutions, including buy now pay later options, credit cards, and business financing, have been thoughtfully crafted to meet the essential requirements of modern consumers, retailers, and small to medium-sized businesses. We have established platforms that facilitate the purchase or leasing of virtually anything. Attract more customers by partnering with hummbusiness; experience increased revenue with potential sales spikes of up to 30% and an impressive repurchase rate reaching 80%. Enjoy the benefit of receiving payments upfront, along with guaranteed settlements by the next business day. Additionally, we do not charge refund fees, as we return our fees for any items returned to your store. Our services are fully integrated, making them adaptable to businesses of any size, whether they operate online, in physical locations, or a combination of both. Humm accommodates seamless online integration with major e-commerce providers and offers a direct REST API for customized marketing and pricing widgets. Moreover, point-of-sale integration is available for various POS platforms and terminals, ensuring a swift and straightforward experience for both customers and staff alike. With humm, businesses can streamline their operations and enhance customer satisfaction effortlessly.

Experience a swift and adaptable approach to digitizing your banking services. This innovation allows financial institutions to deliver secure, mobile-first solutions across a spectrum of offerings. Our comprehensive suite of modular capabilities and services is designed to meet your specific requirements. You can select only the features you need, tailor them to your brand identity, and initiate lending processes rapidly. Achieve a market presence in mere months instead of years with a seamless mobile-first solution that showcases your brand. As a recognized authority in fraud prevention and verification, we integrate numerous data sources into a single, user-friendly, and flexible pipeline. At Amount, we are dedicated to harnessing technology's potential to enhance lives, crafting digital financial experiences that resonate with contemporary lifestyles. This enables your financial institution to bridge the digital gap, consolidate your data, and derive insights that enhance customer satisfaction. Furthermore, we utilize a vast network of elite banking partners and over 15 integrated data sources, all combined into a singular, comprehensive product offering, ensuring you stay ahead in the competitive market.

Don't let fundraising be a problem. Get non-dilutive capital on-demand. You can get up to a year's upfront capital, which will give you the flexibility and funding you need to grow your company and scale. Choose from unpaid invoices and recently paid expenses and choose repayment terms of 3, 6, 9 or 12 months. You can get as much or as little funding as you need. We can accept monthly, quarterly, or even annual contracts. We adapt to your needs. We provide the funding you require at the moment. Your money is not sitting idle, it works for you. We will quickly assess the funds needed and deposit them to your account within 24 hours. Our intuitive interface makes it easy to manage all transactions and accounts. As you grow, you can access more capital. We are your partner throughout the process. Our rates drop as we work together more often. We can quickly provide the capital you need based on your data.

Shopping with tabby enhances your experience by allowing you to divide your payments into four interest-free installments or earn cashback at your favorite retailers, or even both. By selecting tabby at checkout, you can enjoy the convenience of shopping now and repaying later, with payments billed monthly. The tabby app empowers you to shop today, pay later, and accumulate cash rewards, all without incurring interest, fees, or any hidden costs. This innovative shopping method eliminates price barriers, effectively converting casual browsers into buyers, boosting average order values, and broadening your customer reach. You can explore and shop with beloved partner brands directly through tabby’s app or website, earning cash that you can withdraw regardless of whether you choose to pay with tabby. By providing shoppers with the flexibility and freedom to obtain what they desire, tabby makes the shopping journey significantly more rewarding. With no interest, fees, or potential debt traps, tabby promotes a seamless purchasing experience. Over 2,000 global brands and small businesses, including big names like Adidas, IKEA, SHEIN, and Marks & Spencer, utilize tabby to drive their growth and success in the market. This user-friendly platform not only facilitates purchases but also ensures that shopping remains an enjoyable and financially sound activity for everyone involved.

@Pay is a pioneering DEFI (Decentralized Finance) platform that introduces the first BNPL (Buy Now Pay Later) service leveraging blockchain technology and its own dedicated cryptocurrency. By employing smart contracts and blockchain solutions, @Pay is set to deliver substantial cost reductions for all participants within its ecosystem. The platform aspires to become a vital player in facilitating DEFI solutions for both eCommerce and physical retail, catering to the needs of shoppers and merchants alike. Users will have the flexibility to settle their purchases using any supported cryptocurrency stored in their @Pay wallet. Additionally, shoppers will benefit from a rewards program designed to ensure that all contributors to the ecosystem gain from their participation. The @Pay token serves as the core governance mechanism for the protocol, promoting decentralized decision-making. Furthermore, ensuring a wide distribution of tokens across users, merchants, and marketplaces will incentivize active involvement and enhance community engagement. This inclusive approach aims to create a thriving ecosystem that empowers all stakeholders.

Zinia, the innovative 'Buy Now, Pay Later' solution from the Santander Group, serves over two million users throughout Europe. It simplifies the shopping experience by enabling customers to divide their payments into easy, interest-free installments quickly and transparently. The platform caters to both in-store and online shopping at select retailers, with plans for offline features to be introduced soon. Enhance the affordability of your products through our interest-free payment options. Boost your sales by providing customers with greater flexibility in their payment choices. Our adaptable payment solutions lead to increased average spending during checkout, encouraging customer loyalty. With our straightforward, rapid, and transparent payment processes, shopping becomes a more enjoyable experience. This single-platform approach allows us to extend our services internationally to all divisions of Santander Consumer Finance, promoting a seamless global shopping experience for users.

ZoodPay allows you to make purchases both online and in physical stores by splitting your payment into four installments across 90 days, all while avoiding interest and extra charges! To use ZoodPay, simply select it as your payment option during checkout, fill in your personal details, and enter your credit or debit card information. You'll receive immediate approval, making it easy to manage your payments in four equal segments. With ZoodPay, financial stress is a thing of the past! You can shop for items through the ZoodMall app or at numerous online retailers that support the 'Buy Now, Pay Later' feature. The approval process is quick and entirely digital! You can pay for your items using your local currency, enjoying the convenience of having the products in your hands now and the flexibility to settle the payment later within 14 days or through four to six installments, all without any added interest or fees. This innovative approach to shopping provides a seamless experience and empowers consumers to manage their budgets more effectively.

Walnut enables your practice to accept a greater number of patients, including those with credit difficulties. With financing options beginning at 0% interest, you can receive payments upfront. Unlike traditional patient financing companies that decline half of all applicants, our unique underwriting algorithm allows for a higher approval rate. You can enjoy zero risk and no fees while getting paid upfront, as we cater to the elective care markets. We are committed to providing straightforward, fair, and transparent payment solutions for all patients. Our dedicated support team is accessible 24/7, ready to assist both patients and providers with any inquiries. Financing plans are competitively priced starting at 0% interest, making Walnut entirely free for providers to adopt. This innovative approach revolutionizes the way you handle healthcare expenses, transforming your medical bills into manageable, tailored monthly payments. By making timely payments, patients can enhance their credit history, and each individual will be paired with a Walnut Agent to ensure they stay on track with their payments. With Walnut, you can optimize patient financing while promoting financial wellness for your clients.

Empowering financial institutions to cater to the evolving needs of modern consumers, equipifi’s customizable solution seamlessly integrates with banks and credit unions, allowing users to browse, accept, and oversee offers directly from their banking applications. By introducing buy now, pay later (BNPL) options, these institutions provide debit card users the ability to finance purchases in a manner that aligns with their personal financial objectives. This approach enhances transparency for consumers managing their BNPL loans, with pre-approved offers specifically designed to meet individual financial needs. Additionally, the platform broadens the range of eligible purchases for BNPL, ensuring an efficient and user-friendly experience all within one convenient interface. It serves as a comprehensive resource for consumers seeking flexible financing options for their everyday expenditures, appealing particularly to younger demographics who appreciate adaptable payment solutions. Furthermore, this innovation keeps cardholders engaged as they make routine purchases, while simultaneously opening up new avenues for financial institutions to increase transaction fees and interest revenue. Ultimately, equipifi not only simplifies the user experience but also positions banks and credit unions to thrive in a competitive landscape.

B2B: A Buy Now, Pay Later solution Your B2B customers will be able to buy now and pay later at checkout, allowing you to sell more and grow your business. Hokodo allows you to offer trade credit to customers. Instant credit terms can help keep customers in the funnel and increase sales. Our real-time underwriting eliminates lengthy credit checks and customers can get payment terms immediately, even after making their first purchase. No need to worry about cash flow. We pay you after delivery of the goods. We can also collect late payments and chase them. Your business is protected from credit and fraud risks, including non-payments, ID theft, chargebacks, and outright bankruptcy of customers. 73% of B2B buyers prefer to shop online. We believe they should have the same seamless checkout experience as consumers.

Businesses are faced with purchasing decisions on a nearly daily basis. However, there is currently a lack of comprehensive digital processes in B2B sales and attractive financing options for customers. Consequently, many organizations, particularly small and medium-sized enterprises, often end up making less than ideal purchasing decisions, misallocating capital, and navigating through protracted bureaucratic red tape. Our company offers business clients the chance to leverage our innovative technology and financing solutions, enabling them to experience a completely digital end-to-end B2B sales journey. By utilizing our offerings, companies can manage their capital more efficiently while also enhancing customer loyalty. Our solutions are designed for simplicity and user-friendliness, featuring seamless integration, rapid approvals, and comprehensive purchase management. The new payment methods can be integrated swiftly thanks to our efficient API-driven approach. We have built our systems on cutting-edge technological advancements, ensuring a robust foundation. Additionally, the sign-up process is quick, taking only a few minutes, with customers receiving approvals in mere seconds. This streamlined experience ultimately empowers businesses to focus more on growth rather than cumbersome procedures.

Transforming payment failures into profitability is now possible! With FUGU, you can ship first and receive payment later, ensuring collection within a 14-day period. As soon as a cart is left behind, eligible customers are alerted about the option for deferred payment. After they are approved for this flexible payment plan, FUGU will take over the responsibility of collecting the payment within the specified timeframe. There’s no need for extra payment options or additional sign-ups; all collection efforts are seamlessly handled by FUGU while maintaining your brand identity. Our model is straightforward: you only pay when we successfully recover the funds, with no subscription fees or hidden commitments. The installation process is simple and quick, allowing you to get everything up and running in under 45 minutes, making the transition effortless and efficient.

Lemon provides a valuable solution for SaaS companies by enhancing cash flow and minimizing customer churn by as much as 90%. This innovative checkout system is tailored for small to medium-sized B2B software providers, allowing customers to enjoy the flexibility of monthly payments while you receive the full annual fee immediately. The integration process is seamless: simply incorporate the Lemon widget into your payment pages, and we'll handle everything else. By paying your annual fee upfront, Lemon allows your customers to reimburse us on a monthly basis, transferring the risk of non-payment to us. This approach significantly lowers ongoing monthly churn rates. When clients opt to use Lemon, you benefit from instant payment, ensuring a more stable financial foundation for your business. Ultimately, Lemon empowers you by transforming the payment experience for both you and your customers.

Transforming the landscape of technology procurement and financial solutions, this innovative platform integrates payments, predictive pricing, financing, and a streamlined quote-to-cash process into a cohesive system. It offers flexible payment alternatives designed to expedite deal closures, seamlessly embedded within the sales process. By leveraging existing recurring revenues, businesses can secure immediate funding, allowing them to receive payments promptly even if their customers opt for delayed payment. This approach aligns payment structures with customer payment schedules, enabling organizations to unlock growth capital from their own assets without incurring debt or equity dilution. Unlike traditional venture debt or revenue-based financing, Ratio requires no monthly payments, providing further financial relief. Businesses can selectively choose which contracts to monetize based on their cash flow requirements. The Ratio team comprises seasoned professionals from the SaaS and finance sectors, alongside serial entrepreneurs and innovators. Equity remains a vital component for company growth and team compensation, and engaging with Ratio for strategic capital ensures there is no equity dilution or warrant issuance. This unique model empowers businesses to thrive while maintaining ownership and control.

Boost your annual sales by allowing customers the flexibility to defer payment for up to 8 months. Transition monthly subscriptions into annual packages to elevate your Average Order Value (AOV). Generate new leads effortlessly with SaaSPay’s adaptable financing solutions, ensuring you receive payment immediately without the hassle of chasing monthly installments. Get your full payment upfront, and easily convert monthly subscribers into annual clients using our one-click financing option. Simply upload your customer information along with details of your products and their respective subscription tiers. Enjoy the benefit of having an entire year's payment deposited into your bank on the very first day of the sale! Set up your SaaSPay account quickly with a straightforward Know Your Business (KYB) process, and enhance your team's effectiveness by adding an unlimited number of members. Leverage our advanced analytical tools to assess the performance of different packages and uncover potential upselling opportunities through customer usage insights. With a one-click Buy Now Pay Later (BNPL) option, you can significantly enhance your annual subscription sales while providing your customers with the flexibility they desire for repayment. This approach not only increases customer satisfaction but also fosters long-term loyalty.

E6 provides a robust infrastructure for leading banks and fintech companies alike, enabling swift implementation of cutting-edge payment solutions while allowing for real-time adaptability. With our advanced payment technology, you’ll consistently stay ahead of emerging trends and seize opportunities in the 21st century. Don't allow outdated systems to hinder your progress; instead, harness the potential of TRITIUM, E6's dynamic payments platform, which is designed to innovate paytech and ensure security and reliability that will impress your CIO. Whether your goal is to modernize your payment technology, expand your business, or outpace your competitors, TRITIUM stands out as the premier option. Your success is not a matter of luck; share your ambitions with us. From introducing groundbreaking products to enabling Banking as a Service (BaaS), TRITIUM serves as a versatile payment platform capable of addressing nearly any payment scenario. Our state-of-the-art technology will not only streamline your payment operations but also significantly reduce costs, setting you up for sustained growth and success in the evolving financial landscape.

Streamline your payment processing by using Slope's software and APIs to accept online payments, provide adaptable payment terms, and automate your order-to-cash workflows. You can process credit card and ACH transactions from businesses through a single API or use our simple no-code invoice links. Our platform allows for guest checkouts, milestone-based invoicing, or custom timelines, and includes same-day ACH to meet all your payment requirements. You can extend net terms, installment options, or bespoke payment arrangements to your customers without assuming additional risk. Customers can receive financing approvals in mere seconds for future transactions, ensuring you get paid immediately while we manage the risk, collections, and other related tasks. By eliminating manual tasks from order processing to remittance application in your ERP, you can enhance efficiency significantly. With Slope's adaptable workflows, you can reduce friction in your operations and guarantee that every dollar is accurately reconciled, improving your overall financial management. This means you can focus more on growing your business rather than getting bogged down by administrative details.

Introducing Kart™ — your innovative solution for shopping and saving on all your favorite brands. We are transforming the way you shop by offering more than 100,000 daily deals across a wide range of categories including the latest fashion, cutting-edge gadgets, kitchen essentials, toys, beauty products, travel options, and beyond. With Kart™, you can enjoy 1-click discounts at local eateries, coffee shops, and retail stores. These instant deals are tailored to your preferences and pinpointed to your neighborhood for added convenience. You also have the option to share these local offers with your family, ensuring that everyone can take advantage of savings every single day. We handle the heavy lifting of shopping, allowing you to focus on saving. Experience smarter shopping and savings with Kart™, which also provides free delivery to your home or office, featuring thousands of deals available each day. Embrace the future of shopping with Kart™ and watch your savings grow effortlessly.

Creditea, a unique BNPL that boosts e-commerce by increasing approval rates for merchants and margins, while offering customers a seamless checkout and flexible repayment options, is a new BNPL. Customers can benefit from a quick onboarding, a user-friendly Credit Line and benefits such as 0% interest for 30 days or long-term repayment plans. Creditea is powered by International Personal Finance plc and integrates seamlessly with the major ecommerce platforms. Interested parties can partner with us. Discover how Creditea Pay Later will enhance your online business today!

Flex Pay (formerly Uplift) provides a friendly nudge to help you achieve amazing things without placing a heavy burden on your budget. Our payment options are designed to be clear and hassle-free, eliminating concerns about hidden fees or accumulating debt. Crucially, Flex Pay allows you to modify your payment schedule, offering the flexibility to adapt when unexpected situations arise. At checkout, simply select Flex Pay as your payment method, fill in a few details, and pick the plan that aligns best with your financial situation. Complete your purchase with the peace of mind that comes from manageable payments, and with AutoPay, you can enjoy even more convenience, as it removes the need to remember due dates. Embrace the ease of responsible spending while enjoying the freedom to focus on what truly matters.

Utilize the advantages of adaptable payment options to meet your fundamental business objectives effectively. Receive payments upfront while allowing your customers to select their desired payment terms. Enable buyers to divide larger purchases into three manageable installments. Provide streamlined payment methods and easy access to trade credit for your clients. Create a seamless payment experience across all of your sales platforms. Incorporate flexible payment options within your online store. Tap into the opportunities of international trade and cater to customers throughout Europe. With the help of advanced risk assessment models driven by machine learning, fully automated systems, and a highly adaptable technological framework, Billie empowers both large and small enterprises with quick access to liquidity, automated processes, and modern payment alternatives. Enhance the experience for your business clients by presenting them with their top payment preference for checkouts, which in turn can boost B2B sales in your online store. Once your customer has chosen their products, they will proceed to the checkout and navigate to the payment selection interface, ensuring a smooth transaction process. This flexibility not only strengthens customer relationships but also promotes increased satisfaction and loyalty.

Expertly designed B2B payment solutions. Provide your approved trade clients with adaptable payment choices and spending limits reaching £30,000. By collaborating with leading brands in ecommerce and accounting software, you can seamlessly accept business transactions and foster growth by providing Buy Now Pay Later options to your trade clients. Utilize iwocaPay for all your transactions at no cost, or differentiate yourself in the market by offering interest-free extended terms to all your trade customers or select individuals. This approach not only enhances customer satisfaction but also strengthens your business relationships.

We created PayHQ to facilitate the management and expansion of your business effortlessly. As a leading-edge payment solution available today, PayHQ by KORT Payments streamlines the process of accepting various payment methods, providing a unified view of your transaction data for enhanced decision-making capabilities. Currently, numerous businesses throughout North America rely on us for their payment processing needs. PayHQ serves as a comprehensive solution, managing everything from authorization to settlement and funding. It allows businesses to accept payments both in-person and online, with functionalities such as invoicing, recurring billing, and easy integrations, all through a single merchant account. Our online gateway provides your customers with a secure and straightforward purchasing experience, accommodating businesses of every size. Moreover, you can effortlessly connect your card terminals to PayHQ's omni-channel platform, enabling the acceptance of credit, debit, and other forms of payment, including contactless and mobile options for in-person transactions, ensuring versatility and convenience for your operations. This flexibility helps businesses adapt to the evolving landscape of payment processing.

Sunbit offers a financing solution that enables customers to manage the cost of essential in-person services, including auto repairs, dental treatments, vision care, and veterinary services, by allowing them to pay over time. Users can swiftly apply for financing, often right at the checkout, through a soft credit inquiry that won’t affect their credit ratings, with around 90% of applicants getting approved. Once they are approved, customers can select from a variety of flexible payment options, typically spanning 3, 6, or 12 months, with dental financing possibly extending to 72 months, ensuring they receive necessary services promptly while spreading out the payments. Sunbit guarantees straightforward financing with no hidden charges, late fees, origination fees, or penalty APRs. For merchants and service providers, Sunbit seamlessly integrates into the checkout process, whether in-store, online, or on-the-go, enhancing payment efficiency, boosting conversion rates, and improving access to services for customers who may otherwise postpone needed care. This innovative approach not only supports consumers in managing their finances but also empowers businesses to enhance their service offerings.