# Best Installment Payment and Buy Now Pay Later (BNPL) Software - Page 4

## 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**

### SumUp

SumUp gives you everything you need to simplify your business operations. From tools to take payments, manage your money and run your business SumUp delivers tools for every type of business. SumUp enables all types of businesses to take payments, from contactless tap, chip, and card-not-present payments when merchants just need to key in card details. The SumUp Plus, Solo and Terminal card readers make it easy for you to take payments on the go. POS Lite & SumUp POS give small businesses the tools to run their business from inventory management, customer directories, loyalty, marketing and more. All with clear, transparent all-in-one pricing making it easy for you to know your bottom line. SumUp Connect is the best-in-class marketing and loyalty product. Giving small business owners the ability to drive more repeat business, increase average tickets, and build long-lasting relationships with their customers. Looking to switch to SumUp but not sure where to start? You can move from your current provider to SumUp in just a few easy steps.

[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=2026-08-09T07%3A43%3A17Z&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=84993&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%3D4&secure%5Btoken%5D=c9709217c315d801d36e4c55acf37c391f29743967ae7d2b3f98c375465e79dc&secure%5Burl%5D=https%3A%2F%2Ftry.sumup.com%2Fpos-om%2F%3Futm_source%3DG2%26utm_medium%3Dppc%26utm_campaign%3Dcta%26utm_content%3D&secure%5Burl_type%5D=custom_url)

### [FlexiLay Layby & Payment Scheduling](https://www.g2.com/products/flexilay-layby-payment-scheduling/reviews)

Flexilay is a modern payment scheduling platform that helps businesses offer flexible ways for customers to pay over time—without becoming a lender, providing credit or releasing goods before payment is complete. We believe affordability should be simple, transparent and accessible. That's why Flexilay reimagines traditional LayBy for today's digital economy, giving businesses the ability to offer structured payment plans for online purchases, invoices and services while maintaining complete control throughout the payment journey. Unlike Buy Now Pay Later providers, Flexilay is not a credit product. There are no lending decisions, no interest charges and no complex finance applications. Instead, customers follow an agreed payment schedule until their purchase or invoice is fully paid, creating a more responsible and sustainable approach to flexible payments. Flexilay is designed to help businesses increase conversions, reduce cart abandonment, improve customer affordability and grow average order values by making purchases more achievable. From ecommerce stores and retailers to service providers and professional businesses, Flexilay provides a modern alternative to traditional LayBy and consumer finance. Our platform integrates with leading ecommerce, accounting and business systems, enabling flexible payment experiences across online stores, invoices and customer accounts. Whether a business is looking to modernise LayBy, introduce payment plans or provide customers with more ways to pay, Flexilay delivers a seamless and transparent solution. Our mission is to become the world's most trusted platform for modern LayBy and payment scheduling, empowering businesses to grow while giving customers greater flexibility and confidence in how they pay. Flexible payments. Smarter growth. Modern LayBy for the digital economy.

**Average Rating:** 5.0/5.0

**Total Reviews:** 1

#### How Do G2 Users Rate FlexiLay Layby & Payment Scheduling?

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

#### Who Is the Company Behind FlexiLay Layby & Payment Scheduling?

- **Seller:** [FlexiLay](https://www.g2.com/sellers/flexilay)
- **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=f75a7dc055913fa6d8765bbfe934e683f2be4d1e36aa6d903ebd37a134816fda&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fflexilay-layby-payment-scheduling&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

#### What Are Recent G2 Reviews of FlexiLay Layby & Payment Scheduling?

**["Fantastic Service and Seamless App Flow That Help Win More Sales!"](https://www.g2.com/survey_responses/flexilay-layby-payment-scheduling-review-13034181)**

**Rating:** 5.0/5.0 stars

_— Toby W._

[Read full review](https://www.g2.com/survey_responses/flexilay-layby-payment-scheduling-review-13034181)

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

Openpay is a payment gateway solution.

**Average Rating:** 5.0/5.0

**Total Reviews:** 1

#### How Do G2 Users Rate Openpay?

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

#### Who Is the Company Behind Openpay?

- **Seller:** [Openpay](https://www.g2.com/sellers/openpay)
- **Year Founded:** 2014
- **HQ Location:** CDMX, MX
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=55ec626489a196a4fb9f2d00c5697bbdd44d9c951e5ff3330151e593b212be44&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fopenpaymx%2F&secure%5Burl_type%5D=linkedin_company_website)  
536 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

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

**["Extensive payment network and solid fraud prevention"](https://www.g2.com/survey_responses/openpay-review-12718450)**

**Rating:** 5.0/5.0 stars

_— Raul G._

[Read full review](https://www.g2.com/survey_responses/openpay-review-12718450)

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

Aptic ARC is a business system for accounts receivable services, invoice purchasing, debt collection and account and credit management.

#### Who Is the Company Behind Aptic?

- **Seller:** [Aptic](https://www.g2.com/sellers/aptic)
- **Year Founded:** 2001
- **HQ Location:** Stockholm, SE
- **Twitter:** @APTICAB  
52 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=f19c9cc353a22185a2744f268ceb25340065f5dc4627c890ffb166bee97f5a21&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Faptic-ab%2F&secure%5Burl_type%5D=linkedin_company_website)  
63 employees on LinkedIn®

### [B2B BNPL](https://www.g2.com/products/b2b-bnpl/reviews)

RollingFunds offers a flexible, easy-to-integrate B2B Buy Now, Pay Later (BNPL) solution that enables your clients to pay 30 to 120 days later. Deliver a seamless experience—online or offline—whether through your e-commerce site or complex B2B platforms. Finance both recurring low-value purchases and large orders worth several hundred thousand euros. Benefit from automated risk assessment, instant decisions, debt collection, and white-label options. RollingFunds is the go-to European solution to improve cash flow and boost sales—while maintaining full control and preserving your customer relationships.

#### Who Is the Company Behind B2B BNPL?

- **Seller:** [RollingFunds](https://www.g2.com/sellers/rollingfunds)
- **Year Founded:** 2018
- **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=5f47ebdcfd31cbb5542584e98464d8d85f56f9772a31c775e2778b3250ba9451&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Frollingfunds&secure%5Burl_type%5D=linkedin_company_website)  
8 employees on LinkedIn®

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

The Consumer Finance Company for Home Service Professionals Grow smarter with secure payment solutions and financing options designed for contractors like you! Explore smart financial solutions for small businesses operating in several home service verticals.

#### Who Is the Company Behind Buyfin?

- **Seller:** [Authority Brands](https://www.g2.com/sellers/authority-brands)
- **HQ Location:** Colombia, MD
- **Twitter:** @SuccessWare21  
259 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=d4989e624fb9846d389a6df631b72731232c2e595d861ac30cf2ada8c1cca30f&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2F397415&secure%5Burl_type%5D=linkedin_company_website)  
32 employees on LinkedIn®

### [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:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=47b75ac3914539020a2b0e6aef14878c2044e6428b1635be7984deb31b052bfe&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdownpay%2F&secure%5Burl_type%5D=linkedin_company_website)  
7 employees on LinkedIn®

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

Ecommpay is an inclusive global payments platform that helps businesses grow by making online payments simpler, smoother and more effective. Through a single integration, merchants can access global and local acquiring, more than 100 alternative payment methods, comprehensive payment processing, orchestration, open banking, Direct Debit, recurring payments and global payouts. This unified approach gives businesses the flexibility to serve customers in their preferred way, enter new markets and manage more of their payment operations through one trusted partner. Ecommpay develops its core technology and payment capabilities in-house, creating a modular and customisable platform that can be tailored to each merchant’s needs. Its flexible APIs, SDKs and hosted payment solutions make integration straightforward, while dedicated payment experts and technical account managers provide ongoing support from onboarding through to international expansion. Advanced technology, open architecture and award-winning proprietary risk and fraud controls help merchants protect transactions without adding unnecessary friction for legitimate customers. Combined with intelligent payment routing, detailed reporting and performance insights, these capabilities are designed to improve acceptance and conversion rates, reduce operational complexity and help businesses make more informed payment decisions. Ecommpay is authorised by the UK Financial Conduct Authority and holds Level 1 PCI DSS certification, providing merchants with secure, regulated infrastructure they can rely on. Financial freedom and inclusivity remain central to Ecommpay’s approach. By making it easier for businesses and consumers to access the global financial ecosystem and use their preferred payment methods, Ecommpay is helping to create a more connected, secure and accessible digital economy.

**Average Rating:** 5.0/5.0

**Total Reviews:** 10

#### How Do G2 Users Rate Ecommpay?

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

#### 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:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=6ab56621f3e8f3c87804df251a622dce0e80e037084058a5ae2cebd66940c383&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fecommpay%2F&secure%5Burl_type%5D=linkedin_company_website)  
337 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 70% Small, 30% Medium

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

_AI-generated summary from verified user reviews_

##### Pros

- Users value the **excellent customer support** of Ecommpay, noting their quick responses and helpful service team.
- Users appreciate the **reliable and dedicated support** from Ecommpay's team, setting a gold standard for payment processing.
- Users praise Ecommpay for their **outstanding reliability** and dedication, contributing to a successful partnership experience.
- Users value the **exceptional customer support** of Ecommpay, highlighting their dedication and professionalism in client relations.
- Users appreciate the **ease of use** of Ecommpay, citing seamless integration and helpful support as key benefits.

##### Cons

- Users find that **high fees** , especially for third-party transactions, complicate their experience with Ecommpay's service.
- Users find the **poor reporting** from Ecommpay cumbersome, as it relies on lengthy Excel sheets for daily updates.
- Users occasionally desire **faster turnaround times** for feature requests, impacting their overall 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)

### [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:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=5f2ce141b811b45a47c23e9ebeb00646a160dd7e6e16b8de67f2a6ca6a4f4065&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fexperian&secure%5Burl_type%5D=linkedin_company_website)  
26,191 employees on LinkedIn®
- **Ownership:** LSE: EXPNL

### [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: 8.5/10)

#### Who Is the Company Behind FlexPoint?

- **Seller:** [FlexPoint](https://www.g2.com/sellers/flexpoint-1ca74efc-86c3-44c9-8e2c-8c3021a92778)
- **Year Founded:** 2021
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=874e33a4a486ef9588a061e331a570d2ba5c3b8505f99dcf9f07f0d963f1e725&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fgetflexpoint&secure%5Burl_type%5D=linkedin_company_website)

#### Who Uses This Product?

- **Company Size:** 80% Small

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

_AI-generated summary from verified user reviews_

##### Pros

- Users value the **convenience** of FlexPoint, enjoying automated billing, seamless integration, and easy customer login.
- Users highlight the **ease of use** of FlexPoint, making payment processing and onboarding seamless and efficient.
- Users value the **easy integrations** of FlexPoint, significantly streamlining billing and improving cash flow management.
- Users love the **easy payment options** with FlexPoint, streamlining accounts receivable and improving cash flow visibility.
- Users love the **automation in invoicing management** that streamlines billing and enhances cash flow visibility effortlessly.

##### Cons

- Users find the **complex setup** requires extra tweaking, though support is helpful in the process.
- Users find the **difficult setup** process requires extra tweaking to optimize FlexPoint for their specific workflows.
- Users face **implementation challenges** , requiring extra tweaks during setup to align the product with specific workflows.
- Users report experiencing **poor customer support** , which can hinder effective setup and troubleshooting of FlexPoint.
- Users found the **setup difficulty** requires extra tweaking, but support can help optimize for 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)

### [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:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=fbea269ce31bc6763ac5e1df5f567a14496a53a15ac3342aae3fea010eb2def3&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fgynger%2F&secure%5Burl_type%5D=linkedin_company_website)  
43 employees on LinkedIn®

### [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:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=ecf95e069aca3a41ee832428d8e9602e9fd203f9602647d3f2c83ef7e4a1ed8c&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fi2c-inc&secure%5Burl_type%5D=linkedin_company_website)  
1,776 employees on LinkedIn®

### [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:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=49819d9bb2a874e28a51d34f063f1e1f2ddd85b07ee53c7bb854036984c1929d&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Finfrarisk&secure%5Burl_type%5D=linkedin_company_website)  
14 employees on LinkedIn®

### [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: 8.5/10)

#### 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:** [uk.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=cc9ca565dc36e56b5ecf3a2160c4873e9cc37c6d319b912a91abbe85fe26bed1&secure%5Burl%5D=https%3A%2F%2Fuk.linkedin.com%2Fcompany%2Fiwoca&secure%5Burl_type%5D=linkedin_company_website)  
501 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

#### 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)

### [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:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=38733a24017ba54450143d8baec81dc5ce30c8a15222f2f52df963d3784a5af1&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fmilople%2F&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [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:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=d29fa90bf5adfce63cba5c77c74e79f464af74eaae96a850bddbd752ad8dc4ed&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fpaymongo&secure%5Burl_type%5D=linkedin_company_website)  
147 employees on LinkedIn®

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Spotlight Categories

[Compensation Management Software](https://www.g2.com/categories/compensation-management)

[Purchasing Software](https://www.g2.com/categories/purchasing-software)

[Outbound Call Tracking Software](https://www.g2.com/categories/outbound-call-tracking)

[Accounting Software](https://www.g2.com/categories/accounting)

[Knowledge Base Software](https://www.g2.com/categories/knowledge-base-software)

Similar Categories

- [Payment Gateways](/categories/payment-gateways)
- [Embedded Payments](/categories/embedded-payments)
- [Failed Payment Recovery](/categories/failed-payment-recovery)

- [Payment Analytics](/categories/payment-analytics)
- [Payment Card Issuance](/categories/payment-card-issuance)
- [Payment Processing](/categories/payment-processing)

- [Payments Orchestration](/categories/payments-orchestration)

[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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