# Best Installment Payment and Buy Now Pay Later (BNPL) Software - Page 3

## How Many Installment Payment and Buy Now Pay Later (BNPL) Software Products Does G2 Track?

**Total Products under this Category:** 66

### Category Stats (Aug 2026)

- **Average Rating:** 4.41/5 The average rating of products in this category, based on all submitted ratings
- **Top Trending Product:** Ratio (+3.28%) - Among all products in this category, Ratio recorded the largest rating increase compared to last month

_Last updated: August 05, 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.

## 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=1680910&focus%5B%5D=75417&focus%5B%5D=122728&focus%5B%5D=87565&focus%5B%5D=87566&focus%5B%5D=10629)

Highlighted products: PayPal Payments, Sunbit, PayPal Buy Now Pay Later, Affirm, Zip for Business, Afterpay, Sezzle, and Klarna.

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=paypal-buy-now-pay-later&focus%5B%5D=affirm&focus%5B%5D=zip-for-business&focus%5B%5D=afterpay&focus%5B%5D=sezzle&focus%5B%5D=klarna)

**Sponsored**

### Spotlight.ai

Empower your revenue teams with Spotlight.ai, the Deal Autopilot built for Revenue, Business Value, and RevOps leaders who need execution, not just visibility. Spotlight transforms how deals move by autonomously executing MEDDICC qualification, inspection, and reporting. It captures real deal evidence from customer interactions: calls, emails, Slack, and notes. That evidence gets turned into action, ensuring every deal is consistently qualified and every risk exposed early. At the core is the Spotlight.ai Knowledge Graph: 40M+ signals built on enterprise SaaS selling knowledge, MEDDICC expertise, and your company's own playbook. It's what separates Spotlight from call recording tools and makes every qualification, every asset, and every insight grounded in actual deal data rather than guesswork. Unlike traditional tools that rely on manual updates or surface passive insights, Spotlight is CRM-native with zero-touch adoption. It listens, captures, analyzes, and acts without adding work or introducing a new system of record. Spotlight automatically generates personalized follow-ups and deal-ready assets like BVA and ROI, keeping momentum high across the funnel. RevOps teams gain adaptive analytics grounded in real execution data, showing exactly where to intervene for maximum impact. With MCP (Model Context Protocol) support, Spotlight opens its Knowledge Graph to your team, enabling custom GTM and RevOps agents built on the same deal intelligence that powers Deal Autopilot. Your stack, your workflows, your agents. One knowledge layer. Seamlessly integrated with your existing GTM stack, Spotlight delivers measurable results from day one. Higher rep productivity, faster pipeline velocity, and materially reduced deal slippage. Deal truth, backed by evidence, turned into execution.

[Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list_llm&secure%5Bcategory_id%5D=1578&secure%5Bchosen_at%5D=2026-08-09T06%3A34%3A05Z&secure%5Bdisplayable_resource_id%5D=2437&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=retargeted_product&secure%5Bplacement_resource_ids%5D%5B%5D=1340662&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=1340662&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%3Fpage%3D3&secure%5Btoken%5D=09150445de8f11bdef279538f6c09d3b5105228d3fd479db8ee13ebcbc074bbf&secure%5Burl%5D=https%3A%2F%2Fwww.spotlight.ai%2Fget-a-demo&secure%5Burl_type%5D=book_demo)

### [Payflex](https://www.g2.com/products/inspira-financial-payflex/reviews)

Payflex is a South African payment solution that empowers merchants to offer flexible, interest-free payment plans to their customers, enhancing sales and improving cash flow. By integrating Payflex, businesses can provide shoppers with the option to pay upfront or in installments over six weeks or three paydays, all without incurring interest. This approach not only benefits consumers by easing their financial burden but also ensures that merchants receive full payment upfront, mitigating the risks associated with deferred payment plans. Key Features and Functionality: - Flexible Payment Options: Shoppers can choose to pay in full or opt for installment plans—either in three payments over three paydays or four payments over six weeks—without any interest charges. - Instant Approval Decision: Customers can apply for a Payflex account within minutes during the checkout process, receiving immediate approval decisions. - Seamless Integration: Payflex integrates effortlessly with leading eCommerce platforms and offers a developer-friendly RESTful API for customized solutions, facilitating both online and in-store transactions. - Upfront Payments to Merchants: Merchants receive the full purchase amount upfront, less a nominal transaction fee, while Payflex assumes the responsibility of collecting payments from customers. - Dedicated Support: Merchants benefit from a dedicated Payflex account manager, ensuring personalized service and support. Primary Value and Solutions Provided: Payflex addresses common challenges faced by merchants, such as cart abandonment and cash flow constraints, by offering a payment solution that enhances the shopping experience. By providing interest-free installment options, Payflex makes products more accessible to a broader customer base, leading to increased sales conversions and higher average order values. Additionally, the assurance of upfront payments allows businesses to manage their finances more effectively, while the risk of non-payment is absorbed by Payflex, allowing merchants to focus on growth and customer satisfaction.

**Average Rating:** 4.6/5.0

**Total Reviews:** 6

#### How Do G2 Users Rate Payflex?

- **Quality of Support:** 6.3/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 6.7/10 (Category avg: 8.9/10)
- **Loyalty Management:** 7.5/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 6.7/10 (Category avg: 8.6/10)

#### Who Is the Company Behind Payflex?

- **Seller:** [Payflex](https://www.g2.com/sellers/payflex)
- **Year Founded:** 2018
- **HQ Location:** Sandton, ZA
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=40f45bbba868afd0a71f3ad67284e3b1f6985ae02693c8072b812aae79aba199&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fpayflexza%2Fabout%2F&secure%5Burl_type%5D=linkedin_company_website)  
64 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 67% Medium, 33% Small

#### What Are Recent G2 Reviews of Payflex?

**["Think flexible financial solutions think flexpay"](https://www.g2.com/survey_responses/payflex-review-8309477)**

**Rating:** 5.0/5.0 stars

_— Prateek C._

[Read full review](https://www.g2.com/survey_responses/payflex-review-8309477)

**["Excellent Service"](https://www.g2.com/survey_responses/payflex-review-8910504)**

**Rating:** 5.0/5.0 stars

_— Tony D._

[Read full review](https://www.g2.com/survey_responses/payflex-review-8910504)

### [DivideBuy](https://www.g2.com/products/dividebuy/reviews)

DivideBuy is a UK-based financial technology company specializing in interest-free credit solutions that enable consumers to spread the cost of their purchases over manageable monthly installments. By integrating seamlessly with e-commerce platforms, DivideBuy enhances the shopping experience, allowing customers to pay for goods and services over periods ranging from 3 to 60 months without incurring any interest charges. This approach not only provides financial flexibility to shoppers but also supports retailers by offering a payment option that can boost sales and customer satisfaction. Key Features and Functionality: - Interest-Free Installments: Customers can divide their purchase costs into fixed monthly payments without any interest, making higher-value items more accessible. - Flexible Repayment Terms: Depending on the retailer, repayment periods can range from 3 to 60 months, allowing customers to choose a plan that suits their financial situation. - Instant Credit Decisions: The application process is quick and straightforward, providing immediate credit decisions without hidden fees or early repayment penalties. - Seamless Integration for Retailers: DivideBuy's platform integrates easily with e-commerce websites, enabling retailers to offer flexible payment options at checkout without disrupting the customer journey. Primary Value and Solutions Provided: For consumers, DivideBuy offers a transparent and convenient way to manage their finances by spreading the cost of purchases over time without additional interest, making it easier to afford higher-priced items. For retailers, partnering with DivideBuy can lead to increased conversion rates and customer loyalty, as the flexible payment options cater to a broader audience seeking manageable financing solutions.

**Average Rating:** 4.7/5.0

**Total Reviews:** 5

#### How Do G2 Users Rate DivideBuy?

- **Quality of Support:** 9.3/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 8.3/10 (Category avg: 8.9/10)
- **Loyalty Management:** 10.0/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 10.0/10 (Category avg: 8.6/10)

#### Who Is the Company Behind DivideBuy?

- **Seller:** [DivideBuy](https://www.g2.com/sellers/dividebuy)
- **Year Founded:** 2012
- **HQ Location:** Newcastle-under-Lyme, GB
- **Twitter:** @DivideBuy  
1,607 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=266920a06a41c9d0a3e1ff23653d97583e0180db20c1d620d893c3dbbb0ba0fb&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdividebuy&secure%5Burl_type%5D=linkedin_company_website)  
20 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 50% Medium, 33% Small

#### What Do G2 Reviewers Say About DivideBuy?

_AI-generated summary from verified user reviews_

##### Pros

- Users find DivideBuy **affordable** , making it easier to access financial solutions without breaking the bank.
- Users value the **communication efficiency** of DivideBuy, appreciating the transparent strategies and ample support for success.
- Users value the **exceptional customer support** from DivideBuy, making the experience seamless and rewarding.
- Users value the **revolutionary product innovations** of DivideBuy, appreciating its transformative impact on consumer finance.

#### What Are Recent G2 Reviews of DivideBuy?

**["A Game-Changer in the World of Consumer Finance!"](https://www.g2.com/survey_responses/dividebuy-review-8247130)**

**Rating:** 5.0/5.0 stars

_— Sam M._

[Read full review](https://www.g2.com/survey_responses/dividebuy-review-8247130)

**["The Best Fasted Credit Pay"](https://www.g2.com/survey_responses/dividebuy-review-8254103)**

**Rating:** 4.0/5.0 stars

_— Pritee S._

[Read full review](https://www.g2.com/survey_responses/dividebuy-review-8254103)

### [Zilla](https://www.g2.com/products/tolu-abiodun-zilla/reviews)

We are enabling shoppers across Africa to buy now and pay later from online and offline channels at zero interest.

**Average Rating:** 4.7/5.0

**Total Reviews:** 5

#### How Do G2 Users Rate Zilla?

- **Quality of Support:** 10.0/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 9.2/10 (Category avg: 8.9/10)
- **Loyalty Management:** 6.7/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 7.2/10 (Category avg: 8.6/10)

#### Who Is the Company Behind Zilla?

- **Seller:** [Zilla Finance](https://www.g2.com/sellers/zilla-finance)
- **Year Founded:** 2021
- **HQ Location:** Lekki, NG
- **Twitter:** @usezilla  
659 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=786ef425cf94836667932492c267f1cdefe3fceeea8ca639e3ef6afed07ac03a&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fusezilla%2F&secure%5Burl_type%5D=linkedin_company_website)  
21 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 60% Medium, 40% Small

#### What Do G2 Reviewers Say About Zilla?

_AI-generated summary from verified user reviews_

##### Pros

- Users praise the **friendly customer service** of Zilla, highlighting their helpfulness and responsiveness in resolving issues.
- Users praise the **easy setup** of Zilla, effectively addressing security concerns with friendly customer support.
- Users find Zilla's **security measures** effective, preventing potential breaches and ensuring a reliable experience.

##### Cons

- Users find Zilla's setup challenging due to its **complex implementation process** , requiring considerable effort to achieve results.

#### What Are Recent G2 Reviews of Zilla?

**["A Shopper's stop"](https://www.g2.com/survey_responses/zilla-review-8244283)**

**Rating:** 4.0/5.0 stars

_— Kaustubhi S._

[Read full review](https://www.g2.com/survey_responses/zilla-review-8244283)

**["Buy now pay later"](https://www.g2.com/survey_responses/zilla-review-8257633)**

**Rating:** 5.0/5.0 stars

_— Prateek C._

[Read full review](https://www.g2.com/survey_responses/zilla-review-8257633)

### [Bread Finance](https://www.g2.com/products/bread-finance/reviews)

Bread is more than a financing solution, we are a data-driven marketing partner for retailers. Bread helps retailers leverage payments as a way to build stronger consumer connections and improve brand loyalty.

**Average Rating:** 4.3/5.0

**Total Reviews:** 4

#### How Do G2 Users Rate Bread Finance?

- **Quality of Support:** 9.2/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 10.0/10 (Category avg: 8.9/10)
- **Loyalty Management:** 8.9/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 10.0/10 (Category avg: 8.6/10)

#### Who Is the Company Behind Bread Finance?

- **Seller:** [Lon Operations](https://www.g2.com/sellers/lon-operations)
- **Year Founded:** 1996
- **HQ Location:** Columbus, Ohio, United States
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=9e527e23966d4b0ba52c1ea45338aa95c1ccc9b2959228fe3602e86d6ee6592c&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2FBread-Financial&secure%5Burl_type%5D=linkedin_company_website)  
4,253 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 75% Small, 25% Medium

#### What Are Recent G2 Reviews of Bread Finance?

**["One of the leading financing platform"](https://www.g2.com/survey_responses/bread-finance-review-8263113)**

**Rating:** 5.0/5.0 stars

_— Verified User in Computer Software_

[Read full review](https://www.g2.com/survey_responses/bread-finance-review-8263113)

**["Great app for digital wallet and financing platform"](https://www.g2.com/survey_responses/bread-finance-review-8258485)**

**Rating:** 5.0/5.0 stars

_— Verified User in Computer Software_

[Read full review](https://www.g2.com/survey_responses/bread-finance-review-8258485)

### [Credova](https://www.g2.com/products/credova/reviews)

Credova offers a Buy Now, Pay Later platform specifically designed to serve outdoor lifestyles. With our full suite of programs including short and long term financing, interest free programs and our ability to finance across all\* product categories, Credova gives consumers the ability to break up payments on purchases without impacting their credit.

**Average Rating:** 4.5/5.0

**Total Reviews:** 4

#### How Do G2 Users Rate Credova?

- **Quality of Support:** 9.2/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 9.2/10 (Category avg: 8.9/10)
- **Loyalty Management:** 8.3/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 8.3/10 (Category avg: 8.6/10)

#### Who Is the Company Behind Credova?

- **Seller:** [Credova](https://www.g2.com/sellers/credova)
- **Year Founded:** 2018
- **HQ Location:** Bozeman, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=ae22d8a23ff3dbd1ab6ba3e4da8df173d79a0a4d070395c4caf09ebdbe74f795&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcredova-financial%2F&secure%5Burl_type%5D=linkedin_company_website)  
28 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 75% Small, 25% Large

#### What Are Recent G2 Reviews of Credova?

**["Quick financial solution with reasonable re-payment"](https://www.g2.com/survey_responses/credova-review-8237639)**

**Rating:** 5.0/5.0 stars

_— Natasha C._

[Read full review](https://www.g2.com/survey_responses/credova-review-8237639)

**["Good app for your adventures and paying back later"](https://www.g2.com/survey_responses/credova-review-7501988)**

**Rating:** 5.0/5.0 stars

_— Bhavishya G._

[Read full review](https://www.g2.com/survey_responses/credova-review-7501988)

### [mondu](https://www.g2.com/products/mondu/reviews)

Mondu is a leading B2B payments platform that accelerates cash flow in B2B commerce via a comprehensive Buy Now Pay Later (BNPL) product suite: We pay sellers upfront while offering buyers short-term financing. We enable companies, marketplaces, and platforms to offer flexible payment options to their business buyers without risk, and achieve higher conversion rates and faster growth. Our product suite for sellers includes: - Invoice: net terms 30-90 days (settlement by bank transfer or SEPA direct debit) - Installments: 3-12 months - Digital Trade Account: monthly limit with consolidated statement, paid with net terms - Pay Now: Instant account-to-account (A2A) payments - Mondusell: BNPL for offline sales - Embedded factoring for marketplaces and platforms In parallel, we offer direct solutions for business buyers, who need to manage their cashflow and defer their supplier payments, regardless of whether those offer BNPL in their chekcout. These solutions include: - MonduFlex: flexible extension of your supplier payments up to 60 days - MonduCard: business credit card for SMBs and freelancers with up to 45 days to pay Focusing on flexibility, convenience, and security for sellers and buyers, Mondu is dedicated to enhancing the B2B payment experience both online and offline, supporting businesses across Europe and the UK. Mondu has offices in Germany, the Netherlands, and the UK, and offers the broadest country coverage in Europe – serving businesses in over 30 countries. Its clients include leading retailers, wholesalers, and marketplaces such as MediaMarkt, Notebooksbilliger, WirMachenDruck, Autodoc, GGM Gastro, Qogita, Orderchamp, Kingspan, and Enpal. Mondu holds an EMI (Electronic Money Institution) license from the Dutch central bank (DNB) and is registered with the FCA in the UK. Mondu GmbH was founded in 2021 by entrepreneurs Malte Huffmann, Philipp Povel and Gil Danziger with a mission to provide payment solutions that enable any B2B company to grow quickly and safely. Mondu has a team of over 120+ talented professionals from diverse backgrounds and with experience from the best companies, in tech and elsewhere. Mondu has raised $120 million in equity and debt financing, from leading investors Valar Ventures, Cherry Ventures, the FinTech Collective, and VVRB bank.

**Average Rating:** 3.7/5.0

**Total Reviews:** 3

#### How Do G2 Users Rate mondu?

- **Quality of Support:** 6.7/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 9.2/10 (Category avg: 8.9/10)
- **Loyalty Management:** 7.5/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 8.3/10 (Category avg: 8.6/10)

#### Who Is the Company Behind mondu?

- **Seller:** [Mondu](https://www.g2.com/sellers/mondu)
- **Year Founded:** 2021
- **HQ Location:** Amsterdam, NL
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=b64ee9c6cd7eb79efc9bff2d2c7082b59d8d3d04b985083aee6a2bb6983ab38b&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fmondu-ai&secure%5Burl_type%5D=linkedin_company_website)  
103 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 67% Small, 33% Medium

#### What Are Recent G2 Reviews of mondu?

**["Enabling Businesses with Innovative B2B Payments"](https://www.g2.com/survey_responses/mondu-review-8243046)**

**Rating:** 4.5/5.0 stars

_— Kamal M._

[Read full review](https://www.g2.com/survey_responses/mondu-review-8243046)

### [Paythen](https://www.g2.com/products/paythen/reviews)

Paythen makes it hassle-free to offer easy payment plans, subscriptions and more, while built-in automations reduce busy-work for you. No code or technical know-how needed. Just connect your Stripe account and get started in under a minute.

**Average Rating:** 4.5/5.0

**Total Reviews:** 3

#### How Do G2 Users Rate Paythen?

- **Quality of Support:** 7.5/10 (Category avg: 8.5/10)

#### Who Is the Company Behind Paythen?

- **Seller:** [Paythen](https://www.g2.com/sellers/paythen)
- **HQ Location:** N/A
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=28f5d0b685da234400d4bd8a99a570213122317fb2b06e588f1fd9d57ebeb376&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fpaythen%2Fabout%2F&secure%5Burl_type%5D=linkedin_company_website)  
4 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small, 33% Medium

#### What Are Recent G2 Reviews of Paythen?

**["Pay Over Time"](https://www.g2.com/survey_responses/paythen-review-8238062)**

**Rating:** 5.0/5.0 stars

_— Joel B._

[Read full review](https://www.g2.com/survey_responses/paythen-review-8238062)

**["Paythen on top of Stripe"](https://www.g2.com/survey_responses/paythen-review-8248085)**

**Rating:** 4.5/5.0 stars

_— Dineshan S._

[Read full review](https://www.g2.com/survey_responses/paythen-review-8248085)

### [Hokodo](https://www.g2.com/products/hokodo/reviews)

Hokodo is a pan-European fintech startup whose mission is to bring B2B commerce into the 21st century. Hokodo’s B2B Buy Now, Pay Later solution enables B2B merchants to sell more by offering credit terms to their business customers instantly, even on their first purchase. Merchants can get paid upfront, while Hokodo handles all collections. In turn, customers benefit from additional payment terms, interest free, through a frictionless Buy Now, Pay Later checkout experience. With offices in London and Paris, the Hokodo team has rapidly grown to a headcount of 70+ and continues to expand.

**Average Rating:** 4.5/5.0

**Total Reviews:** 3

#### How Do G2 Users Rate Hokodo?

- **Quality of Support:** 7.8/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 10.0/10 (Category avg: 8.9/10)
- **Loyalty Management:** 8.3/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 8.3/10 (Category avg: 8.6/10)

#### Who Is the Company Behind Hokodo?

- **Seller:** [Hokodo](https://www.g2.com/sellers/hokodo)
- **Year Founded:** 2018
- **HQ Location:** London, GB
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=613b249dcc6db40f40fecbe24445404eb4cfd2efd251888ab2905f66680aa190&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fhokodo&secure%5Burl_type%5D=linkedin_company_website)  
75 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 67% Medium, 33% Small

#### What Are Recent G2 Reviews of Hokodo?

**["Hokodo"](https://www.g2.com/survey_responses/hokodo-review-8252761)**

**Rating:** 5.0/5.0 stars

_— Amandeep k._

[Read full review](https://www.g2.com/survey_responses/hokodo-review-8252761)

**["Superb Software!!!!"](https://www.g2.com/survey_responses/hokodo-review-8239333)**

**Rating:** 5.0/5.0 stars

_— Pragya S._

[Read full review](https://www.g2.com/survey_responses/hokodo-review-8239333)

### [Humm](https://www.g2.com/products/humm/reviews)

humm provides a seamless interest-free payment platform with repayment options from 10 weeks up to 60 months, which makes the big things and the little things in life affordable. In designing humm, hummgroup is redefining the buy now pay later category to cover home renovation, veterinary services, dental, optical, major furniture expenses and even fertility services. In July 2020, humm announced a partnership with BPAY, which means our customers can now use humm to pay for electricity bills, insurance premiums, school fees and more in easy slices, interest-free.

**Average Rating:** 3.0/5.0

**Total Reviews:** 2

#### How Do G2 Users Rate Humm?

- **Quality of Support:** 6.7/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 8.3/10 (Category avg: 8.9/10)
- **Loyalty Management:** 6.7/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 8.3/10 (Category avg: 8.6/10)

#### Who Is the Company Behind Humm?

- **Seller:** [Humm](https://www.g2.com/sellers/humm)
- **Year Founded:** 1991
- **HQ Location:** Sydney, AU
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=63b452642e0226a9919ed293c1abe1cef60f423acd3a0d5ad567429cf8313f41&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fhumm-group%2F&secure%5Burl_type%5D=linkedin_company_website)  
492 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

### [In3](https://www.g2.com/products/in3/reviews)

in3 is een innovatieve Nederlandse betaaloplossing die consumenten in 3 gelijke delen laat betalen zonder rente of BKR-registratie. De eerste termijn wordt direct in de check-out betaald via iDEAL, de tweede en derde termijn volgen binnen 30 en 60 dagen. Het acceptatieproces duurt slechts één seconde. Resultaat, meer transacties en hogere gemiddelde bestelbedragen voor webshops. in3 is een social responsible betaalmethode. Wij verdienen ons geld aan succesvolle transacties en waken voor onverantwoorde uitgaven. in3 onderscheidt zich van andere achteraf en gespreid betaalmethoden door geen rente, boetes en herinneringskosten te rekenen bij het missen van een betaling. Zo realiseren we een eerlijke betaaloplossing voor de consument en winkelier. Na acceptatie dekt in3 alle risico's af en betaald het volledige bedrag vervroegd uit naar jouw organisatie.

**Average Rating:** 4.3/5.0

**Total Reviews:** 2

#### How Do G2 Users Rate In3?

- **Quality of Support:** 7.5/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 8.3/10 (Category avg: 8.9/10)
- **Loyalty Management:** 10.0/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 10.0/10 (Category avg: 8.6/10)

#### Who Is the Company Behind In3?

- **Seller:** [In3](https://www.g2.com/sellers/in3)
- **HQ Location:** N/A
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=fab535572af50661e810f0df1226d35a1b498e424a4f4e07b6f89b3bf4405ace&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fin3-payments%2F&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 50% Medium, 50% Large

#### What Are Recent G2 Reviews of In3?

**["Immersive Innovation: Exploring the Boundless Potential of in3"](https://www.g2.com/survey_responses/in3-review-8245427)**

**Rating:** 4.5/5.0 stars

_— Krenil B._

[Read full review](https://www.g2.com/survey_responses/in3-review-8245427)

**["Very easy way to pay along."](https://www.g2.com/survey_responses/in3-review-8352749)**

**Rating:** 4.0/5.0 stars

_— Chad H._

[Read full review](https://www.g2.com/survey_responses/in3-review-8352749)

### [Koalafi](https://www.g2.com/products/koalafi/reviews)

Koalafi offers flexible payment plans and credit-building opportunities for the 121M non-prime U.S. consumers who don't qualify for traditional financing options. Koalafi integrates with a wide range of eCommerce platforms and in-store POS systems, making it easy for retailers to offer non-prime financing and increase conversion rates. Over 15,000 retailers and their customers trust Koalafi to deliver high approval rates, clear and simple terms, and industry-leading service.

**Average Rating:** 4.5/5.0

**Total Reviews:** 2

#### How Do G2 Users Rate Koalafi?

- **Quality of Support:** 8.3/10 (Category avg: 8.5/10)
- **Loyalty Management:** 8.3/10 (Category avg: 8.3/10)

#### Who Is the Company Behind Koalafi?

- **Seller:** [Koalafi](https://www.g2.com/sellers/koalafi)
- **Year Founded:** 2014
- **HQ Location:** Washington, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=fbb44bbacb0295829c26c7f9c4d00d65b1088e7d9e8eeedf6a186c9995888b83&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fwest-creek-financial%2F&secure%5Burl_type%5D=linkedin_company_website)  
227 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

#### What Are Recent G2 Reviews of Koalafi?

**["Good epxerience"](https://www.g2.com/survey_responses/koalafi-review-8244725)**

**Rating:** 5.0/5.0 stars

_— Verified User in Furniture_

[Read full review](https://www.g2.com/survey_responses/koalafi-review-8244725)

**["Easy to use financing with 90 days no interest!"](https://www.g2.com/survey_responses/koalafi-review-8265098)**

**Rating:** 4.0/5.0 stars

_— Verified User in Environmental Services_

[Read full review](https://www.g2.com/survey_responses/koalafi-review-8265098)

### [Playter](https://www.g2.com/products/playter/reviews)

Playter helps fund the global community of startups and scaleups by helping them convert any invoice into Buy Now, Pay Later. Playter is the growth platform that helps amazing businesses scale quicker, reduce their burn rate, increase their runway and take control of all payment terms regardless of the supplier. Join the BNPL revolution where revolution.

**Average Rating:** 5.0/5.0

**Total Reviews:** 2

#### How Do G2 Users Rate Playter?

- **Quality of Support:** 9.2/10 (Category avg: 8.5/10)
- **Payment Scheduling:** 10.0/10 (Category avg: 8.9/10)
- **Loyalty Management:** 8.3/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 10.0/10 (Category avg: 8.6/10)

#### Who Is the Company Behind Playter?

- **Seller:** [Playter](https://www.g2.com/sellers/playter)
- **Year Founded:** 2021
- **HQ Location:** London, GB
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=d48916fa1d84b833b573ef40ba69a20e330e2f589788b7e2f17abcfadca54e04&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fb2bbnpl%2F&secure%5Burl_type%5D=linkedin_company_website)  
27 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 50% Large, 50% Medium

#### What Are Recent G2 Reviews of Playter?

**["Easy solution for EMI"](https://www.g2.com/survey_responses/playter-review-8252298)**

**Rating:** 5.0/5.0 stars

_— Abhinav C._

[Read full review](https://www.g2.com/survey_responses/playter-review-8252298)

**["Think credit think playter"](https://www.g2.com/survey_responses/playter-review-8250139)**

**Rating:** 5.0/5.0 stars

_— Prateek C._

[Read full review](https://www.g2.com/survey_responses/playter-review-8250139)

### [Aria](https://www.g2.com/products/aria-aria/reviews)

Aria is a B2B payments and financing platform that enables Buy Now, Pay Later and instant payouts for merchants, marketplaces, and B2B platforms. It lets businesses offer payment terms to buyers or faster cash to suppliers while Aria handles credit, funding, and collections end-to-end. Teams use Aria to unlock growth, improve cash flow and retention, and monetise payment terms without taking on balance-sheet risk or operational complexity.

**Average Rating:** 4.5/5.0

**Total Reviews:** 1

#### How Do G2 Users Rate Aria?

- **Quality of Support:** 10.0/10 (Category avg: 8.5/10)

#### Who Is the Company Behind Aria?

- **Seller:** [Aria](https://www.g2.com/sellers/aria)
- **Year Founded:** 2019
- **HQ Location:** Paris, FR
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=8fcb3ab72fdb354ae125652ebc5d4b582c65a0014f19aa102aec67e1cec2057e&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fhelloaria%2F%3FviewAsMember%3Dtrue&secure%5Burl_type%5D=linkedin_company_website)  
79 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

#### What Do G2 Reviewers Say About Aria?

_AI-generated summary from verified user reviews_

##### Pros

- Users appreciate the **real-time threat detection** feature of Aria, enhancing privacy and security with personalized protection.
- Users value Aria's **intuitive design** , which enhances navigation and personalizes the experience over time.
- Users find Aria's **time-efficient design** enhances their browsing experience, making navigation quick and hassle-free.
- Users value the **user-friendly interface** of Aria, which simplifies navigation and enhances their overall experience.
- Users appreciate Aria's **intuitive user interface** , which enhances their web navigation experience significantly.

#### What Are Recent G2 Reviews of Aria?

**["Aria - Opera's AI"](https://www.g2.com/survey_responses/aria-review-9532770)**

**Rating:** 4.5/5.0 stars

_— Kate S._

[Read full review](https://www.g2.com/survey_responses/aria-review-9532770)

### [Cashew](https://www.g2.com/products/cashew/reviews)

The smarter way to pay. Buy now, pay later. Split the cost of all the things you love, big and small, interest-free.

**Average Rating:** 5.0/5.0

**Total Reviews:** 1

#### How Do G2 Users Rate Cashew?

- **Payment Scheduling:** 10.0/10 (Category avg: 8.9/10)
- **Loyalty Management:** 10.0/10 (Category avg: 8.3/10)
- **E-commerce Integration:** 10.0/10 (Category avg: 8.6/10)

#### Who Is the Company Behind Cashew?

- **Seller:** [Cashew](https://www.g2.com/sellers/cashew)
- **Year Founded:** 2021
- **HQ Location:** Dubai , AE
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=ad84b61ef668c3169ff88a06f95430b70df1f9462a3fc8d519a77ea996acc96e&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcashew-payments%2F&secure%5Burl_type%5D=linkedin_company_website)  
85 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

#### What Are Recent G2 Reviews of Cashew?

**["Great experienced with Cashew"](https://www.g2.com/survey_responses/cashew-review-8267288)**

**Rating:** 5.0/5.0 stars

_— Deniel Paolo T._

[Read full review](https://www.g2.com/survey_responses/cashew-review-8267288)

### [equipifi](https://www.g2.com/products/equipifi/reviews)

equipifi is a fintech SaaS company that provides a white-label Buy Now, Pay Later platform tailored for banks and credit unions. Their solution seamlessly integrates with existing banking systems, enabling financial institutions to offer flexible payment options directly through their digital banking applications. This empowers consumers to manage BNPL plans within their trusted banking environment, enhancing user experience and engagement. Key Features and Functionality: - Seamless Integration: equipifi's platform integrates with leading banking cores and digital banking platforms, allowing financial institutions to embed BNPL offers into their existing digital banking apps. - Personalized Offers: The platform generates pre-qualified BNPL offers based on consumers' financial profiles, enabling account holders to choose flexible payment plans that suit their needs. - Comprehensive Management: Users can view, accept, and manage their BNPL plans directly within their banking app, providing a centralized and convenient experience. - Pre-Purchase Financing: The "Plan Your Purchase" feature allows consumers to access installment loans ranging from $500 to $2,000 before making a purchase, offering timely access to funds without additional applications or credit checks. Primary Value and Solutions: equipifi addresses the growing consumer demand for flexible payment options by enabling financial institutions to offer BNPL services directly through their platforms. This approach helps banks and credit unions: - Enhance Customer Engagement: By providing BNPL options within their digital banking apps, financial institutions can increase user interaction and satisfaction. - Drive Revenue Growth: Offering BNPL services can lead to increased interchange fees and net new interest income, opening additional revenue streams. - Strengthen Market Position: By aligning with consumer payment preferences, banks and credit unions can attract new customers and retain existing ones, maintaining a competitive edge in the market. In summary, equipifi empowers financial institutions to meet the evolving needs of their customers by integrating BNPL solutions into their existing services, fostering financial flexibility and deeper customer relationships.

**Average Rating:** 5.0/5.0

**Total Reviews:** 1

#### How Do G2 Users Rate equipifi?

- **Quality of Support:** 10.0/10 (Category avg: 8.5/10)

#### Who Is the Company Behind equipifi?

- **Seller:** [equipifi](https://www.g2.com/sellers/equipifi)
- **Year Founded:** 2021
- **HQ Location:** Scottsdale, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=710e73121ce8b83770756ce870035bdb0259164a063969b3155e0848007b373e&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2F74970104&secure%5Burl_type%5D=linkedin_company_website)  
48 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

#### What Are Recent G2 Reviews of equipifi?

**["Simplest way for financial institutions to offer BNPL to its customers"](https://www.g2.com/survey_responses/equipifi-review-8252852)**

**Rating:** 5.0/5.0 stars

_— Kalash S._

[Read full review](https://www.g2.com/survey_responses/equipifi-review-8252852)

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- [Payment Gateways](/categories/payment-gateways)
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- [Payment Analytics](/categories/payment-analytics)
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[Browse Installment Payment and Buy Now Pay Later (BNPL) Themes](/categories/installment-payment-and-buy-now-pay-later-bnpl/themes)

 ![Nathan Calabrese](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Nathan Calabrese")
NC

Researched and written by [Nathan Calabrese](https://research.g2.com/insights/author/nathan-calabrese)

Updated October 3, 2024

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

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