# Best Installment Payment and Buy Now Pay Later (BNPL) Software - Page 3 *By [Nathan Calabrese](https://research.g2.com/insights/author/nathan-calabrese)* Installment payment and buy now pay later (BNPL) software facilitates a business’ ability to offer customers the option to purchase products and services over time through a set number of regular payments. Businesses embed these solutions into their online store or integrate them with their invoicing software to offer flexible payment options. Because of the flexibility associated with installment payments, these solutions enable a business to potentially attract new customers and sell more high-priced items within their e-commerce store. This type of software can also benefit marketplace providers such as Etsy or eBay, which use BNPL to allow their sellers to receive installment payments. These tools need to integrate with [e-commerce platforms](https://www.g2.com/categories/e-commerce-platforms) to provide options for installment payment at checkout and with [payment gateways](https://www.g2.com/categories/payment-gateways) to process payments. Furthermore, all payment data needs to be transferred to financial systems, which requires integration with [accounting software](https://www.g2.com/categories/accounting). To qualify for inclusion in the Installment Payment and Buy Now Pay Later (BNPL) category, a product must: - Provide the option to pay for purchases by choosing from multiple installment plans - Manage the amount, timeframe, and number of installments available - Define multiple installment plans that can be assigned to different products and services - Apply appropriate interest and fees if the installments are late or unpaid - Send personalized payment notifications to both customers and businesses - Integrate with e-commerce platforms, payment gateways, or invoicing software - Analyze the impact of buy now pay later options on customer satisfaction - Comply with security and privacy compliance regulations such as PCI DSS ## G2 Grid® for Installment Payment and Buy Now Pay Later (BNPL) Software ![G2 Grid® for Installment Payment and Buy Now Pay Later (BNPL) Software plotting products by satisfaction and market presence](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl/grids.png?focus%5B%5D=1222&focus%5B%5D=107452&focus%5B%5D=75417&focus%5B%5D=87565&focus%5B%5D=87566&focus%5B%5D=122728&focus%5B%5D=10629&focus%5B%5D=21400) Highlighted products: PayPal Payments, Sunbit, Affirm, Afterpay, Sezzle, Zip for Business, Klarna, and GoCardless. Underlying data: [Grid® JSON](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl/grids.json?focus%5B%5D=paypal&focus%5B%5D=sunbit&focus%5B%5D=affirm&focus%5B%5D=afterpay&focus%5B%5D=sezzle&focus%5B%5D=zip-for-business&focus%5B%5D=klarna&focus%5B%5D=gocardless) ## How Many Installment Payment and Buy Now Pay Later (BNPL) Software Products Does G2 Track? **Total Products under this Category:** 66 ### Category Stats (Jul 2026) - **Average Rating**: 4.41/5 The average rating of products in this category, based on all submitted ratings - **Top Trending Product**: Wisetack (+0.37%) - Among all products in this category, Wisetack recorded the largest rating increase compared to last month *Last updated: July 16, 2026* ## How Does G2 Rank Installment Payment and Buy Now Pay Later (BNPL) Software Products? **Why You Can Trust G2's Software Rankings:** - 30 Analysts and Data Experts - 3,900+ Authentic Reviews - 66+ Products - Unbiased Rankings G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category. ## Which Installment Payment and Buy Now Pay Later (BNPL) Software Is Best for Your Use Case? - **Leader:** [PayPal Payments](https://www.g2.com/products/paypal/reviews) - **Highest Performer:** [GoCardless](https://www.g2.com/products/gocardless/reviews) - **Easiest to Use:** [Sunbit](https://www.g2.com/products/sunbit/reviews) - **Top Trending:** [TABBY](https://www.g2.com/products/tabby-tabby/reviews) - **Best Free Software:** [Capchase](https://www.g2.com/products/capchase/reviews) --- **Sponsored** ### Nickel Cashflow is the lifeblood of every American business, yet the financial services you rely on to move, save, and borrow money quietly bleed it. Nickel is a different kind of company. We're an all-in-one accounts payable (AP) and accounts receivable (AR) platform that gives your business the financial products, software, and AI it needs to grow its cashflow. We only succeed when you succeed, which is why we do the one thing our peers won't: we publish exactly how we make money on every product. It's not a marketing stunt. It's the most transparent payment processor you'll find, and a new bar for the industry. More than 25,000 B2B businesses, and the accountants who serve them, run their cashflow on Nickel with free unlimited ACH and some of the lowest fees in the industry. Here's what you can do with Nickel: Get paid faster, Accounts Receivable. Create branded payment links and payment portals in seconds and share them by text, email, or your website. Customers pay by card, ACH, or check, and they never need a Nickel account. Save payment methods on file with Nickel Plus to enable one-click and recurring payments. Pay vendors without the busywork, Accounts Payable. Pay any business, 1099 contractor, or individual by ACH, card, wire, or mailed check using just their email address. Set custom approval workflows so large payments always get the right sign-off. Keep more of every dollar, transparent by design. Free unlimited ACH with no per-transaction percentage and no volume cap, on the Nickel Core plan with no monthly fee. No chargeback fees and no hidden costs, plus a published breakdown of how we make money on every product. Competitive 2.9% flat-rate card processing on all domestic cards, with the option to pass card fees to the payer. Built to handle high-value B2B transactions up to $1M without a hitch on Nickel Plus. Stay in sync and in control. Native QuickBooks sync (Online, Desktop, and Enterprise) means every payment matches your books one-to-one, with no batch deposits and no double entry. A Master Account and Subaccount structure lets you manage multiple businesses or clients under a single login. Earn 2% APY on idle cash in Nickel Balance, accrued daily. Developers can build on Nickel's REST API and webhooks for ACH, card, and wire with Nickel Pro. Backed by AI and real humans. CC Penny, Nickel's AI accountant, on any email to coordinate and handle a payment for you. And when money's on the line, a US-based support team is ready to assist you. We're setting an audacious new bar for transparency in financial services, and we want you to hold us to it. Don't ever settle for less. Join 25,000+ businesses moving their money on Nickel. Get started for free in five minutes, with no credit card required. [Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list&secure%5Bcategory_id%5D=1578&secure%5Bchosen_at%5D=2026-07-16T23%3A34%3A21Z&secure%5Bdisplayable_resource_id%5D=1975&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=neighbor_category&secure%5Bplacement_resource_ids%5D%5B%5D=1975&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=1370291&secure%5Bresource_id%5D=1578&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Finstallment-payment-and-buy-now-pay-later-bnpl&secure%5Btoken%5D=e232e79737e7dca5abed9f3b9fd485f3e7cb38934a20b395ec21ca51b801dffc&secure%5Burl%5D=https%3A%2F%2Fwww.getnickel.com%2Fproducts%2Ffree-ach-payments&secure%5Burl_type%5D=free_trial) --- ## What Are the Top-Rated Installment Payment and Buy Now Pay Later (BNPL) Software Products in 2026? ### 1. [Downpay](https://www.g2.com/products/downpay/reviews) Downpay makes deposit payments on Shopify seamless. Set up flexible purchase options in the Shopify admin, and let your customers commit to affordable orders without leaving your branded Shopify checkout. **Who Is the Company Behind Downpay?** - **Seller:** [Downpay](https://www.g2.com/sellers/downpay) - **Year Founded:** 2022 - **HQ Location:** Ottawa, CA - **LinkedIn® Page:** https://www.linkedin.com/company/downpay/ (7 employees on LinkedIn®) ### 2. [Ecommpay](https://www.g2.com/products/ecommpay/reviews) Ecommpay is an inclusive global payments platform designed to help businesses scale, evolve, and thrive in a rapidly changing market. We simplify the complexities of online payments, ensuring that every transaction is as seamless and efficient as possible for merchants seeking to expand their reach, increase revenue, and tap into new opportunities, whether locally or globally. With just one simple integration, merchants gain access to an expansive array of payment solutions that streamline their operations. This includes both global and local acquiring, over 100 alternative payment methods, comprehensive payment processing, orchestration tools, open banking capabilities, and dedicated, responsive support. Everything is built to work harmoniously together - eliminating the need for multiple vendors or fragmented systems, all of which can lead to inefficiency and friction. Innovation is at the core of Ecommpay's platform. We’re committed to continuously developing essential features, such as recurring billing, direct debits, tokenisation, and automated payout functionality, directly within our infrastructure. This approach ensures smooth, uninterrupted payment flows, reduces reliance on third-party systems, and puts businesses in full control of their payment processes. Our open architecture, modern technology stack, and cutting-edge risk management and fraud prevention systems, designed and developed in-house. All to ensure that businesses benefit from heightened security, improved approval rates, and optimised conversion rates, without adding complexity to their operations. Ecommpay delivers a future-ready payments solution that evolves with your business. Whether you’re entering new markets, launching new products, or optimising existing business channels, our platform makes it easy to get started and even easier to scale. With our low-effort integration, comprehensive support, and a constantly evolving technology foundation, Ecommpay makes it easy to get started - and even easier to keep growing. Ecommpay has been recognised by CNBC and Statista as one of the UK’s Top FinTech Companies of 2025, highlighting our leadership and innovation in the payments space among the country’s most dynamic financial technology businesses. **Average Rating:** 5.0/5.0 **Total Reviews:** 10 **How Do G2 Users Rate Ecommpay?** - **Quality of Support:** 10.0/10 (Category avg: 8.4/10) **Who Is the Company Behind Ecommpay?** - **Seller:** [Ecommpay](https://www.g2.com/sellers/ecommpay) - **Year Founded:** 2012 - **HQ Location:** London, England, United Kingdom - **LinkedIn® Page:** https://www.linkedin.com/company/ecommpay/ (337 employees on LinkedIn®) **Who Uses This Product?** - **Company Size:** 70% Small-Business, 30% Mid-Market #### What Are Ecommpay's Pros and Cons? **Pros:** - Customer Support (6 reviews) - Helpful (5 reviews) - Reliability (5 reviews) - Customer Satisfaction (3 reviews) - Ease of Use (3 reviews) **Cons:** - High Fees (1 reviews) - Poor Reporting (1 reviews) - Slow Performance (1 reviews) ### What Do G2 Reviewers Say About Ecommpay? *AI-generated summary from verified user reviews* **Pros:** - Users commend Ecommpay for their **excellent customer support** , always accessible and quick to resolve any issues. - Users commend Ecommpay for their **client-focused approach** , providing reliable support and tailored solutions for businesses. - Users highlight Ecommpay's **reliability** , praising its stable platform and excellent support for seamless payment processing. - Users commend Ecommpay for their **outstanding customer support** and partnership approach, enhancing their overall experience. - Users value the **ease of use** of Ecommpay, appreciating the seamless integration and user-friendly platform for payment processing. **Cons:** - Users find that **high fees** can obscure payment clarity, especially with third-party providers in international transactions. - Users express frustration with **poor reporting** , as daily updates are excessively lengthy and cumbersome in Excel sheets. - Users often note the need for **faster turnaround times** , which can affect their experience with Ecommpay. #### What Are Recent G2 Reviews of Ecommpay? **"[Ecommpay Sets the Gold Standard in Payments!](https://www.g2.com/survey_responses/ecommpay-review-11682177)"** **Rating:** 5.0/5.0 stars *— Verified User in Apparel & Fashion* [Read full review](https://www.g2.com/survey_responses/ecommpay-review-11682177) --- **"[Reliable, High-Converting Payment Platform](https://www.g2.com/survey_responses/ecommpay-review-12062565)"** **Rating:** 5.0/5.0 stars *— Dmitrii S.* [Read full review](https://www.g2.com/survey_responses/ecommpay-review-12062565) --- ### 3. [Experian Buy Now Pay Later Data (UK)](https://www.g2.com/products/experian-buy-now-pay-later-data-uk/reviews) Experian's Buy Now Pay Later (BNPL) Data service offers comprehensive insights into consumers' BNPL usage, enabling lenders to make informed credit decisions. With over 17 million UK consumers utilizing BNPL services, this data provides a previously unavailable view of spending and repayment behaviors. Key Features and Functionality: - Reciprocal Data Sharing: Collaborates with major BNPL providers to share payment data, offering a holistic view of consumer financial activities. - Comprehensive Coverage: Access to detailed transaction information and aggregated metrics, ensuring a thorough understanding of BNPL usage. - Flexible Access: Data is available through APIs for immediate integration or via batch append for proactive customer management. - Analytical Tools: Provides a suite of analysis, reporting, and delivery tools for flexible data consumption and utilization. Primary Value and Solutions: Experian's BNPL Data service addresses the challenge of previously invisible BNPL usage by providing lenders with critical insights into consumers' spending and repayment behaviors. This enhanced visibility allows for more accurate assessments of creditworthiness and affordability, leading to better-informed lending decisions. By integrating BNPL data, lenders can improve customer acquisition, manage credit risk effectively, and support responsible lending practices. **Who Is the Company Behind Experian Buy Now Pay Later Data (UK)?** - **Seller:** [Experian](https://www.g2.com/sellers/experian) - **Year Founded:** 1826 - **HQ Location:** Dublin, Ireland - **Twitter:** @Experian_US (38,771 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/experian (26,191 employees on LinkedIn®) - **Ownership:** LSE: EXPNL ### 4. [FlexPoint](https://www.g2.com/products/flexpoint-flexpoint/reviews) FlexPoint is an accounts receivable and payment automation platform purpose-built for managed service providers (MSPs). Designed to streamline billing operations, FlexPoint helps MSPs accelerate cash flow, reduce manual work, and create a modern billing experience for their clients. With features like custom AutoPay rules, flexible payment schedules, secure client checkout, and integrated working capital tools, FlexPoint enables teams to spend less time chasing payments and more time delivering service. The platform also includes a branded client portal with multiple payment methods—credit card, Same-Day ACH, financing, and more—empowering MSPs to offer a seamless, self-service billing experience that drives faster payments and higher client satisfaction. **Average Rating:** 4.9/5.0 **Total Reviews:** 5 **How Do G2 Users Rate FlexPoint?** - **Quality of Support:** 10.0/10 (Category avg: 8.4/10) **Who Is the Company Behind FlexPoint?** - **Seller:** [FlexPoint](https://www.g2.com/sellers/flexpoint-1ca74efc-86c3-44c9-8e2c-8c3021a92778) - **Year Founded:** 2021 - **LinkedIn® Page:** https://www.linkedin.com/company/getflexpoint **Who Uses This Product?** - **Company Size:** 80% Small-Business #### What Are FlexPoint's Pros and Cons? **Pros:** - Convenience (2 reviews) - Ease of Use (2 reviews) - Easy Integrations (2 reviews) - Easy Payments (2 reviews) - Invoicing Management (2 reviews) **Cons:** - Complex Setup (1 reviews) - Difficult Setup (1 reviews) - Implementation Challenges (1 reviews) - Poor Customer Support (1 reviews) - Setup Difficulty (1 reviews) ### What Do G2 Reviewers Say About FlexPoint? *AI-generated summary from verified user reviews* **Pros:** - Users value the **convenience** of FlexPoint, enjoying effortless automation and seamless integration for billing and payments. - Users value the **ease of use** of FlexPoint, noting smooth transitions and straightforward setup for payment processing. - Users value the **easy integrations** of FlexPoint, significantly streamlining billing and payment processes effortlessly. - Users value the **easy payment options** with FlexPoint, enhancing reliability and streamlining the accounts receivable process. - Users highlight the **time-saving automation** of FlexPoint, enhancing efficiency in billing and payment processes. **Cons:** - Users note that the **initial setup is complex** , requiring extra tweaking to optimize for specific workflows. - Users find the **difficult setup** process requires extra tweaking, although support can alleviate some challenges. - Users experience some **implementation challenges** , as initial setup requires tweaking for optimal workflow customization. - Users experience **poor customer support** , as assistance can be lacking during setup and troubleshooting processes. - Users note that the **initial setup can be cumbersome** , requiring adjustments to optimize for their specific workflows. #### What Are Recent G2 Reviews of FlexPoint? **"[FlexPoint: Seamless, Professional Payments with Fantastic Onboarding Support](https://www.g2.com/survey_responses/flexpoint-review-12697644)"** **Rating:** 5.0/5.0 stars *— Mike T.* [Read full review](https://www.g2.com/survey_responses/flexpoint-review-12697644) --- **"[Support turns a good tool into a great one!](https://www.g2.com/survey_responses/flexpoint-review-12250988)"** **Rating:** 4.5/5.0 stars *— Nigel .* [Read full review](https://www.g2.com/survey_responses/flexpoint-review-12250988) --- ### 5. [Gynger](https://www.g2.com/products/gynger/reviews) Gynger is the first cashflow management platform with embedded financing purpose-built for buyers & sellers of technology. Gynger gives technology vendors the power to offer flexible payment terms to customers, secure upfront payments, and de-risk collections through a seamless offer-to-payment flow. Meanwhile, finance leaders leverage Gynger's bespoke combination of actionable insights and embedded capital to optimize day-to-day cash flow, accelerate deal flows for their GTM teams, and execute long-term strategic vision with ease. Learn more about how Gynger helps tech vendors take control of receivables and more at www.gynger.io. **Who Is the Company Behind Gynger?** - **Seller:** [Gynger](https://www.g2.com/sellers/gynger) - **Year Founded:** 2021 - **HQ Location:** New York, US - **Twitter:** @gynger_io (181 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/gynger/ (43 employees on LinkedIn®) ### 6. [i2c](https://www.g2.com/products/i2c/reviews) An award-winning global financial technology innovator powering credit, debit, prepaid, core banking, and money movement solutions, i2c unifies banking and payments in an all-in-one platform, transforming product personalization with a customer-centric architecture and accelerating speed-to-market with composable building-block solutions. Financial institutions and fintechs globally trust i2c to help them quickly and efficiently configure and scale differentiated financial offerings in an evolving, competitive market. Powered by innovation and driven by trust for more than 25 years, i2c blends modern ingenuity with expert reliability to supercharge exceptional banking and payments experiences for millions of users and billions of transactions worldwide. **Who Is the Company Behind i2c?** - **Seller:** [I2cinc](https://www.g2.com/sellers/i2cinc) - **Year Founded:** 2001 - **HQ Location:** Redwood City, US - **LinkedIn® Page:** https://www.linkedin.com/company/i2c-inc (1,776 employees on LinkedIn®) ### 7. [InfraRisk](https://www.g2.com/products/infrarisk/reviews) InfraRisk is a leading fintech solutions provider specializing in advanced, AI-enabled digital lending platforms designed to operate at scale with full automation. Their comprehensive suite of services encompasses consumer financing, buy now pay later solutions, wealth management, and alternative risk scoring, all tailored to enhance the efficiency and effectiveness of financial institutions. Key Features and Functionality: - Data-Driven Risk Management: InfraRisk's platforms integrate extensive data from various sources, including banks, telecommunications, and utilities, to provide deep insights into credit decisioning. - Intelligent Automation: The solutions offer fully automated credit decisioning, fund routing, and collections, reducing operational costs and minimizing human error through definable parameters and continuous monitoring. - Rapid Deployment: With a modular, service-oriented architecture, InfraRisk enables quick implementation and seamless integration with existing systems, supporting both cloud and on-premises deployments. - Alternative Risk Scoring: The company provides alternative credit scoring solutions by leveraging data from utilities, telecommunications, and e-commerce platforms, enhancing responsible lending practices. - Wealth Management Solutions: InfraRisk offers AI-enabled, fully automated wealth management platforms with features like customer analysis, market analysis, allocation algorithms, and transaction optimization. Primary Value and User Solutions: InfraRisk empowers financial institutions to accelerate digital transformation, improve product competitiveness, and enhance customer value. By automating complex processes and integrating advanced data analytics, their solutions enable clients to make informed decisions, manage risks effectively, and deliver superior financial services to their customers. **Who Is the Company Behind InfraRisk?** - **Seller:** [InfraRisk ©](https://www.g2.com/sellers/infrarisk) - **HQ Location:** Docklands, AU - **LinkedIn® Page:** https://www.linkedin.com/company/infrarisk (14 employees on LinkedIn®) ### 8. [iwoca Pay](https://www.g2.com/products/iwoca-pay/reviews) Get your invoices paid sooner by making it easier to pay with iwocaPay. Your customers choose to pay now or pay over 3 instalments, and you get paid up front every time. **Average Rating:** 4.0/5.0 **Total Reviews:** 1 **How Do G2 Users Rate iwoca Pay?** - **Quality of Support:** 6.7/10 (Category avg: 8.4/10) **Who Is the Company Behind iwoca Pay?** - **Seller:** [iwoca](https://www.g2.com/sellers/iwoca) - **Year Founded:** 2011 - **HQ Location:** West End, GB - **LinkedIn® Page:** https://uk.linkedin.com/company/iwoca (501 employees on LinkedIn®) **Who Uses This Product?** - **Company Size:** 100% Small-Business #### What Are Recent G2 Reviews of iwoca Pay? **"[Good service](https://www.g2.com/survey_responses/iwoca-pay-review-2306817)"** **Rating:** 4.0/5.0 stars *— Verified User in Retail* [Read full review](https://www.g2.com/survey_responses/iwoca-pay-review-2306817) --- #### What Are G2 Users Discussing About iwoca Pay? - [What is iwoca Pay used for?](https://www.g2.com/discussions/what-is-iwoca-pay-used-for) ### 9. [Magento 2 Partial Payment and Layaway](https://www.g2.com/products/magento-2-partial-payment-and-layaway/reviews) Magento 2 Partial Payment Extension for Magento 2 by Milople helps you sell products and services in installments, EMI, and layaway plans. The customer can place an order with a down payment and pay the remaining amount in one or multiple installments. **Who Is the Company Behind Magento 2 Partial Payment and Layaway?** - **Seller:** [Milople Technologies Pvt Ltd](https://www.g2.com/sellers/milople-technologies-pvt-ltd) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) ### 10. [PayMongo](https://www.g2.com/products/paymongo/reviews) Paymongo enables businesses with the financial infrastructure to grow their revenue. Starting as a payment gateway, we have expanded our offerings to include a comprehensive digital financial service suite that enables SMEs to store, send, receive, save, and borrow money. Our mission is to empower these businesses to successfully digitalize, contributing to our country’s financial inclusion efforts and transforming the local economy. This strategic digital transformation facilitates SMEs’ access to mainstream financial services, streamlining their operations and fostering economic growth. **Who Is the Company Behind PayMongo?** - **Seller:** [PayMongo](https://www.g2.com/sellers/paymongo) - **Year Founded:** 2019 - **HQ Location:** Taguig, PH - **LinkedIn® Page:** https://www.linkedin.com/company/paymongo (147 employees on LinkedIn®) ### 11. [Paypercut](https://www.g2.com/products/paypercut/reviews) What businesses can accept with Paypercut: - Card Payments - Accept Visa and Mastercard across Europe with familiar, trusted checkout flows. - Digital Wallets (Apple Pay & Google Pay) - Fast, secure tap-to-pay options that improve checkout completion. - Payment Links & QR Payments - Simple links or QR codes for invoices, remote sales, or in-person orders without a POS device. - Subscriptions & Recurring Billing - Automated charges for memberships, SaaS, and repeat services. - Buy Now Pay Later (BNPL) Aggregator - One integration connects merchants to multiple BNPL providers. Unified reporting and configuration reduce operational work. Checkout & Integration Options: - Hosted Checkout - A ready-made, secure payment page that requires minimal setup. - Embedded Checkout - A seamless experience placed directly inside the merchant’s website or app. - E-commerce Plugins - Quick installation for popular CMS and e-commerce platforms. Settlement & Operations: - Payouts to Existing Bank Accounts - No need to open a new account; funds settle directly to the merchant’s current bank. - Multi-Currency Support - Accept payments in many currencies and settle locally across Central and Eastern Europe. - Unified Dashboard - One interface for reporting, reconciliation, settlements, and BNPL performance. Why merchants choose Paypercut: - Simple onboarding completed fully online. - Modern payment methods in a single integration. - Designed for cross-border commerce in Central and Eastern Europe. - Clear reporting and reduced administrative work. **Who Is the Company Behind Paypercut?** - **Seller:** [Paypercut](https://www.g2.com/sellers/paypercut) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/paypercut/ (15 employees on LinkedIn®) ### 12. [RollingFunds](https://www.g2.com/products/rollingfunds/reviews) RollingFunds has built an end-to-end platform to transform the B2B purchasing experience. Our solution streamlines the onboarding of SMEs (KYB) and provides simplified access to installment payments (B2B BNPL). We handle the technology so you can focus on what matters most: your customers. Know Your Business (KYB): We offer a deep understanding of the challenges tied to business identification and risk management. RollingFunds boosts your productivity and data traceability, enables real-time monitoring, and helps you make better use of your data. Buy Now, Pay Later for B2B (Deferred Payments for Business Clients): A key solution to ease the financial pressure on SMEs. RollingFunds delivers a seamless, omnichannel user experience with: A fast, 100% digital onboarding in under 2 minutes Ongoing monitoring of businesses for better risk management A personalized credit scoring system to offer tailored credit lines **Who Is the Company Behind RollingFunds?** - **Seller:** [RollingFunds](https://www.g2.com/sellers/rollingfunds) - **Year Founded:** 2018 - **HQ Location:** Paris, FR - **LinkedIn® Page:** https://www.linkedin.com/company/rollingfunds (8 employees on LinkedIn®) ### 13. [SaaSPay](https://www.g2.com/products/saaspay/reviews) SaaSPay is a simple Buy Now Pay Later solution built for SaaS expenses. Buy SaaS tools of your choice today from our 50+ partner sellers, and pay back up to 8 months later. Why BNPL for SaaS? Up to 40% of a company’s budget is parked on tech tools. With SaaSPay, unlock parked capital to offset burn & reimagine capital productivity. **Who Is the Company Behind SaaSPay?** - **Seller:** [SaaSPay](https://www.g2.com/sellers/saaspay) - **Year Founded:** 2022 - **HQ Location:** Bengaluru, IN - **Twitter:** @SaaSPay_app (22 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/saaspay (38 employees on LinkedIn®) ### 14. [Tabania Business](https://www.g2.com/products/tabania-business/reviews) Tabania Business is a full-scale enterprise resource planning (ERP) platform that unifies all core business operations into one system. It combines CRM, HRM, accounting, project management, and operational tools into a single integrated workspace, eliminating the need for fragmented software. Businesses can manage customers, employees, finances, projects, and workflows in real time while leveraging automation and centralized data across all departments. Built for scalability, Tabania Business supports startups, SMBs, and enterprises with a modular structure and seamless integration across the Tabania ecosystem, including payments, legal, and analytics services. **Who Is the Company Behind Tabania Business?** - **Seller:** [Tabania](https://www.g2.com/sellers/tabania) - **Year Founded:** 2017 - **HQ Location:** San Francisco, US - **LinkedIn® Page:** https://www.linkedin.com/company/tabania/ (1 employees on LinkedIn®) ### 15. [Two](https://www.g2.com/products/two/reviews) Two is a modern B2B payments platform that makes selling on net terms as easy as selling by card in B2C. We simplify secure transactions across e-commerce, in-store, and supplier portals. Our AI engines, Frida and Delphi, power fraud prevention and credit underwriting for instant, accurate decisions. With automated invoicing, flexible net terms, and seamless payment options, Two helps businesses boost sales, reduce risk, and streamline operations. **Who Is the Company Behind Two?** - **Seller:** [Two](https://www.g2.com/sellers/two) - **Year Founded:** 2020 - **HQ Location:** Oslo, NO - **LinkedIn® Page:** https://www.linkedin.com/company/two-b2b/ (112 employees on LinkedIn®) ### 16. [Usio](https://www.g2.com/products/usio/reviews) Usio is the payments powerhouse built for organizations that demand more than generic processing. While others try to be everything to everyone, Usio specializes in one thing exceptionally well: powering secure, scalable payment ecosystems for ISVs, SaaS platforms, lenders, healthcare, finance, government, utilities, legal, insurance, fitness, non-profits, associations, and many other organizations that cannot afford friction. This is not patchwork fintech. This is enterprise-grade infrastructure designed to simplify complexity, accelerate revenue, and eliminate the chaos of managing multiple vendors. Embedded payments. Money movement. Card issuing. Disbursements. Billing. Print and Mail. All unified with one intelligent company backed by PCI Level 1, SOC 2, tokenization, and HIPAA-ready security. Organizations choose Usio because growth should not come with operational headaches. They choose Usio because fragmented systems slow companies down. And they choose Usio because when payments become seamless, businesses move faster, scale smarter, and unlock entirely new revenue opportunities. **Average Rating:** 5.0/5.0 **Total Reviews:** 24 **How Do G2 Users Rate Usio?** - **Quality of Support:** 9.9/10 (Category avg: 8.4/10) **Who Is the Company Behind Usio?** - **Seller:** [Usio](https://www.g2.com/sellers/usio) - **Company Website:** https://www.usio.com - **Year Founded:** 1998 - **HQ Location:** San Antonio, US - **Twitter:** @usioinc (283 Twitter followers) - **LinkedIn® Page:** http://www.linkedin.com/company/usioinc (82 employees on LinkedIn®) **Who Uses This Product?** - **Company Size:** 54% Small-Business, 42% Mid-Market #### What Are Usio's Pros and Cons? **Pros:** - Customer Support (3 reviews) - Features (2 reviews) - Helpful (2 reviews) - Integrations (2 reviews) - Setup Ease (2 reviews) **Cons:** - Limited Features (1 reviews) ### What Do G2 Reviewers Say About Usio? *AI-generated summary from verified user reviews* **Pros:** - Users highlight the **top-notch customer support** at USIO, appreciating the prompt and knowledgeable assistance provided. - Users value Usio's **humble and solutions-oriented corporate culture** , benefiting from a knowledgeable and accessible team. - Users appreciate the **helpful staff and seamless integration** of Usio, enhancing their payment processing experience. - Users value the **seamless integration capabilities** of Usio, enhancing efficiency and saving time with existing systems. - Users rave about the **setup ease** of Usio, noting straightforward integration and efficient payment management. **Cons:** - Users note the **limited payment feature set** in Usio, lacking support for popular options like Venmo. #### What Are Recent G2 Reviews of Usio? **"[Top-Notch Support and a Consistently Positive Experience](https://www.g2.com/survey_responses/usio-review-12900565)"** **Rating:** 5.0/5.0 stars *— Jorge J.* [Read full review](https://www.g2.com/survey_responses/usio-review-12900565) --- **"[Usio: Amazing Customer Service and an Incredibly Easy, Accessible Website](https://www.g2.com/survey_responses/usio-review-12512258)"** **Rating:** 5.0/5.0 stars *— Laila A.* [Read full review](https://www.g2.com/survey_responses/usio-review-12512258) --- ## What Is Installment Payment and Buy Now Pay Later (BNPL) Software? [Payment Software](https://www.g2.com/categories/payment) ## What Software Categories Are Similar to Installment Payment and Buy Now Pay Later (BNPL) Software? - [Payment Processing Software](https://www.g2.com/categories/payment-processing) --- ## How Do You Choose the Right Installment Payment and Buy Now Pay Later (BNPL) Software? ### What You Should Know About Installment Payment and Buy Now Pay Later (BNPL) Software ### What is Installment Payment and Buy Now Pay Later (BNPL) Software? Installment payment and buy now pay later (BNPL) software allows companies to provide their customers with the option to pay for goods and services in multiple parts (usually known as installments). Most of these transactions are interest-free, and the companies using this type of software pay a fee per transaction.  There is usually a minimum order amount per transaction, which varies by provider, and the first installment is due at checkout. BNPL service providers may charge fees or apply interest up to 30% per year for late payments.  While buyers can pay in monthly installments, companies usually receive the total amount immediately from the BNPL provider. These providers are only sometimes responsible for their financial services, which is why banks and financial institutions usually back them.  **What Does BNPL Stand For?** BNPL stands for buy now pay later, also known as installment payments. #### What Types of Installment Payment and Buy Now Pay Later (BNPL) Software Exist? Depending on the type of buyer, there are two major types of BNPL software.  **Business to consumer (B2C)** Most BNPL solutions focus on e-commerce and consumers (or individual buyers) in industries such as CPG and retail. Companies providing services to individuals, such as gyms and spas, may also use BNPL. Finally, companies selling subscription-based products such as meal kits allow consumers to pay in multiple installments. **Business to business (B2B)** B2B services and software as a service (SaaS) are the most common B2B use cases for BNPL. However, this payment type is less common for industrial goods and raw materials due to the risks associated with these transactions. These risks are related to the high value of payments and contractual obligations.  ### What are the Common Features of Installment Payment and Buy Now Pay Later (BNPL) Software? The following are some core features within installment payment and BNPL tools that can help users define and implement installment plans for buyers: **Installments:** These features define payment plans of monthly installments, made available to online buyers at checkout, either online or in-store. A typical payment plan includes four installments or fewer, which must be paid relatively quickly (between 4 and 6 weeks). In addition, some providers offer options for long-term financing. **Payments:** Pay later options aren’t available to everyone, and buyers may need to provide a credit score or consent to a credit check. Low credit scores may disqualify buyers or require a down payment. When approved, buyers can choose between multiple payment methods such as credit and debit cards, Paypal, etc. BNPL software also manages payments for refunds **.** When orders are canceled, buyers must be refunded the amount they paid in one or multiple installments. ** ** **Dispute management:** Disputes arise when buyers are charged penalties or interest on late payments or unpaid balances. Other types of disputes managed using BNPL solutions are failed or incorrect payments. Any other issues, such as damaged products or incorrect deliveries, require additional software, such as e-commerce platforms or inventory management. **Analytics:** Since companies don't charge buyers for using BNPL, they need to ensure that providing this option helps them sell more. Therefore, tracking metrics such as average order value, ideally segmented by the buyer, region, or consumer category, is critical.  **Integration:** BNPL software integrates with e-commerce platforms or accounting software through application programming interfaces (APIs) or plugins, allowing real-time data sync across multiple systems.  ### What are the Benefits of Installment Payment and Buy Now Pay Later (BNPL) Software? The main benefits of an installment payment and BNPL platform are: **Increase sales:** The ability to pay in multiple installments allows buyers to purchase goods or services even when they cannot afford them. It also provides the flexibility to spend a manageable amount at a time, which can be a competitive advantage for companies offering BNPL. **Improve buyer experience:** BNPL software can help companies improve the customer experience by providing financing and flexible payment options. For example, B2B and B2C buyers prefer to buy from providers that allow them to pay in multiple installments, so they don't have to cover the full price upfront.  ### Who Uses Installment Payment and Buy Now Pay Later (BNPL) Software? Two types of personas mainly use this type of software: **Sales:** Sales teams implement BNPL to attract new buyers or to incentivize existing customers or consumers to buy more.  **Marketing:** Since BNPL can be a competitive advantage, marketing teams incorporate it into their campaigns to differentiate themselves from competitors. ### What are the Alternatives to Installment Payment and Buy Now Pay Later (BNPL) Software? Alternatives to installment payment and BNPL tools that can replace this type of software, either wholly or partially: [Payment gateways:](https://www.g2.com/categories/payment-gateways) Payment gateways may include functionality for BNPL, which benefits companies that must manage the complete payment process.  #### Software Related to Installment Payment and Buy Now Pay Later (BNPL) Software Related solutions that can be used together with installment payment and BNPL include: [E-commerce platforms](https://www.g2.com/categories/e-commerce-platforms) **:** BNPL solutions don't include features to create and maintain shopping carts, so they must integrate with e-commerce platforms. [Shopping cart software](https://www.g2.com/categories/shopping-cart) **:** Small companies may not need e-commerce platforms and use shopping cart tools instead. These tools must also integrate with BNPL software to track online sales and payments. [Billing and invoicing:](https://www.g2.com/categories/billing) Since payments are financial transactions, companies must track and report them for compliance. Also, billing data allows companies to monitor their profitability and cash flow. ### Challenges with Installment Payment and Buy Now Pay Later (BNPL) Software Installment payment and BNPL software solutions can come with the following challenges.  **Lack of regulation:** Installment payments are not new, but BNPL limits their number to four. In contrast, payment plans with five or more installments are usually regulated locally or nationally. There are very few regulations for four and fewer installment plans.  **Overspending:** While most BNPL options are interest-free, there are often hidden fees, such as late fees. Also, while there is no interest on payments, providers may apply high-interest rates on incomplete payments. These factors may contribute to overspending as consumers pay more than they were planning to at the initial purchase. **Incomplete payments: ** Buyers may not afford to pay all installments or simply forget, which may incur late fees or high interests applied to the unpaid balance. This may hurt buyers and their credit scores, and sellers that get paid late or never recover the total amount.  ### Which Companies Should Buy Installment Payment and Buy Now Pay Later (BNPL) Software? Any company selling goods or services online or in-store can benefit from using BNPL software. Still, this type of software is primarily beneficial to: **E-commerce companies:** BNPL is a perfect fit for e-commerce, focusing mainly on B2C sales with low value and high volume. Online stores provide the option to pay in multiple installments at checkout through integration with BNPL software. **Retailers:** While retail companies often use BNPL for online stores, this software can also be used in-store at the point of sale (POS). The process is the same as for e-commerce, except that the credit or debit card owner must be present and provide valid identification.  **Subscription services providers:** Subscription products and services can also be purchased in multiple installments, even though this business model relies on monthly recurring payments. BNPL can help buyers purchase yearly or multi-year subscriptions, which cost less than monthly payments. ### How to Buy Installment Payment and Buy Now Pay Later (BNPL) Software #### Requirements Gathering (RFI/RFP) for Installment Payment and Buy Now Pay Later (BNPL) BNPL software requirements can be generic or specific to the buyer. An example of generic requirements is the Payment Card Industry Data Security Standard (PCI DSS) certification, which is used worldwide by payment providers. On the other hand, a company's specific needs could be multi-currency for buyers selling in multiple countries with separate currencies. #### Compare Installment Payment and Buy Now Pay Later (BNPL) Software Products **Create a long list** Buyers can create a long list by eliminating all the products that don't provide basic or critical requirements, such as multi-currency or support for multiple languages. So, for example, if a BNPL provider only supports the English language and US dollars, it should be automatically excluded from the long list of a multinational buyer. **Create a short list** Buyers can eliminate products from the long list to create a short list using advanced criteria. For instance, even though many BNPL solutions include multi-currency functionality, not all provide the option to automatically choose the currency based on the buyer's zip code. Another advanced feature is the ability to offer conversion rates for multiple currencies that can be updated in real-time or near real-time. **Conduct demos** Ideally, demos should simulate the BNPL process, either online or in-store. Vendors must show how their software supports payment and repayment options (such as debit and credit cards or PayPal) or how a buyer can register for installment payments at checkout.  The user experience is also important to demonstrate. A demo should show how easily BNPL users can provide financing options to buyers. #### Selection of Installment Payment and Buy Now Pay Later (BNPL) Software **Choose a selection team** The selection team for BNPL software should include the departments in charge of e-commerce, in-store retail, B2B sales, and accounting.  **Negotiation** The negotiation should consider that BNPL providers rely on partnerships to deliver features and integration. This means that buyers need to vet both BNPL vendors and their partners. They also need to understand the cost of the software and services vendors and partners provide. **Final decision** The winning solution should provide the features and benefits mentioned above at a reasonable price. It is also important that the vendor selling it and its partners have positive reviews, testimonials, and expertise in the industry.