Alternatives to Clearpay
Compare Clearpay alternatives for your business or organization using the curated list below. SourceForge ranks the best alternatives to Clearpay in 2025. Compare features, ratings, user reviews, pricing, and more from Clearpay competitors and alternatives in order to make an informed decision for your business.
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QuickFee
QuickFee
QuickFee (ASX: QFE) is a leading provider of payments, financing, and accounts receivable automation solutions for professional services firms, including 40% of the IPA Top 300 firms. Our platform is designed to streamline the Accounts Receivable process and accelerate revenue growth by integrating multiple online payment options and powerful invoicing tools within your practice management system. With QuickFee, firms can significantly reduce aging receivables, improve cash flow, and increase client spending. Clients can easily make payments using credit or debit cards, ACH/EFT transfers, or QuickFee's exclusive financing solution that allows them to spread payments over 3 to 12 months—while firms receive full payment upfront without incurring additional costs. Operating in the United States and Australia, QuickFee focuses on delivering scalable and affordable solutions backed by exceptional customer service. -
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Melio
Melio
Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow. Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances to keep your business running smoothly. -
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Balance
Balance
Balance is the first self-serve checkout that accepts 100% of the B2B payment complexities - from milestone payments to net terms, wires to checks, SaaS subscriptions to automatic vendor payouts - and more: 🗒 API-first! Get at them docs 💳 Go beyond cards: Accept ACH, wire, card, and even checks 💨 Instant, Risk-free Net Terms: Your customers pay Net 30/60. You get paid instantly. 🔁 Recurring payments, made easy: Make recurring invoice payments as easy as recurring CC payments 🏢 Built for all B2B payment needs. Perfected for Marketplaces, Wholesalers, Merchants, SaaS and Service Providers. 🧍🏽♀️ Self-serve invoicing: Your customers can pull & pay their own invoices with a click 🏋️ Automatic reconciliation & collection: Isn’t it funny you’re still doing this manually?Starting Price: $0 -
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Apruve
Apruve
Apruve enables global enterprises to transform their B2B trade credit, accounts receivable, and collections process by offering net terms as easy as accepting a credit card. Apruve automates your enterprise's high volume, routine B2B invoicing by combining embedded trade credit & A/R automation with guaranteed next-day financing. Whether your enterprise is looking to drive efficiencies in their long-tail cohort of smaller buyers, extend lines of credit to online customers, or needs help to expand internationally, Apruve can build the right financed credit and A/R program customized to your markets, customers, and goals. -
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Affirm
Affirm
Affirm is a pay-over-time solution that helps remove price as a barrier for shoppers, enabling merchants to see an 85% increase in average order value and 20% repeat purchase rate. Affirm’s mobile-friendly, omnichannel solution is optimized for e-commerce, in-store transactions, and telesales. Affirm provides the tools merchants need to easily integrate pay-over-time options for shoppers. Here's how it works: 1. Your customer enters a few top-of-mind pieces of information for a real-time decision. 2. Flexible payments. Customers pick their payment plan, with options ranging from 3‑36 months. 3. We settle within one business day and take on risk, from costly chargebacks to fraud. Zero risk to you. -
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Zinia
Santander Group
Zinia is the new ‘Buy Now, Pay Later’ platform of the Santander Group with over two million customers across Europe. Zinia makes shopping simple, offering the possibility of splitting payments into interest-free installments in a fast and transparent way. The platform is available both for in-store and online purchases at participating businesses with offline functionality coming soon. Make your products more affordable with our interest free payment solutions. Increase sales by offering customers more flexibility when paying. Our flexible payment options increase average spending at your checkout. Keep customers coming back. Our simple, fast and transparent payment solutions make shopping easier. Single platform solution to expand internationally our services to all Santander Consumer Finance units. -
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Afterpay
Afterpay
We’re Afterpay, and we pioneered a fairer way to pay. We give the world’s most desirable customers and relevant retailers the happily ever after they deserve--and a world where everyone wins. Unlike other buy-now-pay-later solutions, Afterpay offers one transparent solution to shoppers with no credit checks, no interest, no hidden fees, and no catch. We give shoppers the confidence of knowing where their money is going versus worrying about where it went. Let’s partner in bringing them more happily ever afters. New Afterpay users can get an instant approval decision in minutes. Your customer completes their order and you get paid the full amount up front. That's a win-win. Customers pay four installments every two weeks, directly to Afterpay. Always zero interest, never additional fees when shoppers pay on time. We believe people are fundamentally good and trust our customers to pay us back. -
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Sezzle
Sezzle
Based in Minneapolis, Minnesota, Sezzle is a public-benefit corporation on a mission to financially empower the next generation. Sezzle’s #1-shopper-rated Buy Now, Pay Later product enables millions of shoppers across the United States and Canada to take control of their spending, be more responsible, and gain access to financial freedom. Serving more than 17,500 online merchants, Sezzle allows shoppers to make their purchase today with 4 payments over the following 6 weeks, interest-free! Sezzle also offers customers the option to reschedule their payment once for free, and the max fee for late payment is $10. Sezzle is the financially responsible solution to buy now, pay later. What's in it for merchants? Increased conversions, AOV, and shopper frequency. The best part? Sezzle takes on all the risk of fraud, chargebacks, and repayment. It's a win, win, WIN. -
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Splitit
Splitit
Splitit powers the next generation of Buy Now, Pay Later (BNPL) through our merchant-branded Installments-as-a-Service platform. We solve the challenges businesses face with legacy BNPL while unlocking BNPL at the point of sale for card networks, issuers and acquirers, all through a single network API. Shoppers can split their purchases into up to 36 interest-free monthly payments using their existing Visa or MasterCard. Shoppers get the chance to try out items for up to 90 days and then decide if they are going to keep it. After they decide, shoppers can then go ahead and pay in in full, or start an installment-payment plan. Shoppers who do not have a sufficient available balance on one card have the option to split their installment payments on two different credit cards. This feature allows for the shopper to get what they want and not have to apply for another credit card or go into debt.Starting Price: 1.5% + $1.50 per installment -
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tabby
tabby
With tabby, shopping is more rewarding. Split your purchases into 4 interest-free payments or earn cashback at your favourite stores (or both). Shop now and pay later by choosing tabby at checkout to split your purchases into 4 interest-free payments, billed monthly. With the tabby app, you can shop now, pay later and earn cash, with no interest, fees or hidden costs of any kind. tabby's shopping experience removes price as a barrier. Turning browsers into buyers, increasing average order value, and expanding your customer base. Shop at partner brands you love on tabby's website or app and earn cash you can withdraw. Whether you pay with tabby or not. tabby makes shopping more rewarding by empowering people with the flexibility and freedom to get what they want. tabby lets you shop now, pay later and earn cash, without the interest, fees or debt traps. Over 2,000 global brands and small businesses, including Adidas, IKEA, SHEIN, and Marks & Spencer use tabby to accelerate growth. -
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Gerald
Gerald
Gerald is a financial technology app designed to provide users with flexible financial solutions, including interest-free cash advances up to $80, enabling individuals to manage unexpected expenses without incurring additional costs. The app also features a Buy Now, Pay Later option, allowing users to purchase essential household items and mobile plans with the convenience of deferred payments, all without hidden fees or interest. Additionally, Gerald offers a Play to Earn feature, where users can engage in games to earn coins, which can be redeemed for store rewards, further enhancing their purchasing power. Committed to inclusivity, Gerald ensures that both members and non-members have access to affordable household shopping, aiming to empower individuals and families to shop smart, save more, and embrace a brighter financial future.Starting Price: Free -
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Humm
humm
Our product ecosystem of buy now pay later, credit cards, and business financing products has been designed around the core needs of today’s shoppers, retailers, and small and medium enterprises. We have developed platforms for buying – or leasing – everything. Get more customers. Become a hummbusiness partner. Increased income Up to 30% more sales volume and up to 80% repurchase rate. Payment upfront Guaranteed settlement next business day. No refund fees We return our fee on items returned to your store. Fully Integrated. Whether your business is large or small, online, walk-in or any combination, humm can twist to fit. We support instant online integration with key e-commerce providers. Direct REST API for marketing and pricing widgets is also available for bespoke builds. POS integration is available for the following POS platforms and terminals. Integration delivers a fast and simple process for customers and staff. -
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Ratepay
Ratepay
Ratepay operates in financial services as a direct provider of White Label Buy Now, Pay Later (BNPL) products in Germany, Austria, Switzerland, and The Netherlands. The company enables large online retailers (merchants and marketplaces such as Ebay, IKEA, Eurowings, ShopApoteke, Flyeralarm, or About You) to offer end-customers (buyers) the possibility to pay for products or services via open invoice, direct debit, or in installments. Being natively integrated at checkout, Ratepay is invisible to the buyers and does not dilute the merchant’s brand and trustworthiness. Buyers are not required to abandon the checkout interface and create an additional account or download an app and therefore, constantly remain in the brand world of the merchant. This leads to a higher conversion rate, an increased average basket size, and more repeat purchases. -
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SplitPay
SplitPay
Providing your customers a little credit at the checkout has been shown to generate a significant uplift in sales, bigger basket sizes, and a reduction in cart abandonment. SplitPay allows your customers to pay later in 4 equal monthly installments. We pay you in full before the goods ship and take on all customer credit risk. Merchants who start using SplitPay have seen a 20-30% uplift in sales volumes. Nothing to pay upfront and no minimum transaction volume. You get paid in full for the purchase before the goods ship, we take all customer non-payment risks. To get started we do not charge you any setup, establishment, or ongoing monthly fees and we settle all transactions with you daily. SplitPay makes signing up quick and easy with no complicated application forms. Get shopping quicker with our instant approval process. Shoppers paying with SplitPay do not pay any interest and no fees if they pay on time.Starting Price: Free -
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Zip
Zip Co
Instantly boost sales with Zip (formerly Quadpay). Integrate Zip's “pay later” platform in 10 minutes, no APIs required. Reap the rewards. Customers love the flexibility of splitting their payments into 4 installments over 6 weeks. In turn, Zip's partner merchants enjoy higher AOV and conversion, more repeat purchases, and immediate payment. Zip exclusive merchants. Here are just a few of our over 3,000 incredible merchant partners. Join the Zip brand community. Our buy now, pay later platform is designed to give savvy shoppers more freedom and flexibility. Easy front-end integration. Use a few lines of javascript code or one of our eCommerce platform plugins. Zip In-Store. A seamless in-store POS solution with zero IT support required. Customers pay with the Zip app in-store. If you accept Visa, you’re already capable of accepting Zip today. Just scan the QR code to process payment. No code changes or integrations with POS systems required -
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Klarna
Klarna
The shortcut to shopping. Get personalized inspiration, exclusive deals and the freedom to pay how you prefer. Only in the Klarna app. Payment experiences shoppers love. America’s biggest brands use Klarna to elevate their shopping experiences. Our services are built to create a smoooth (yes, with 3 o's) shopping experience from beginning to end. Plus, we offer more ways to pay than any other provider. This means more conversions and bigger basket values for you. You get paid right away, in full, while your customers get the option to pay later. When you team up with Klarna you get more than just a set of modern payment methods. We work to enhance the full customer shopping journey. We follow your global enterprise anywhere across the world, making sure you offer a payment solution that supports you, is locally adapted, and delights your users as much as your wares do. -
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ZoodPay
ZoodPay
With ZoodPay, you can shop online and in stores and pay in 4 installments over a period of 90 days, with zero interest & no fees! Choose ZoodPay as your payment method at checkout. Enter your personal information and register your credit or debit card details. Get instant approval and pay for your order into 4 equal installments. With ZoodPay you don’t have to worry about that! You can purchase products on the ZoodMall app or at hundreds of online stores offering the ZoodPay ‘Buy Now, Pay Later’ payment option. Approval is instant and it is all online! You pay for your purchases in your local currency with the flexibility of receiving the goods first and paying for them later in either 14 days, or in four to six installments, without incurring any interest or fees. -
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Creditea
International Personal Finance
Creditea is a new unique BNPL, boosting e-commerce sales by increasing approval rates and margins for merchants, while providing customers with a seamless checkout experience and flexible repayment options. With quick onboarding and a user-friendly Credit Line feature, customers can enjoy convenient shopping with benefits like 0% interest within 30 days and long-term repayment plans. Creditea integrates seamlessly with major e-commerce platforms and is powered by International Personal Finance plc. Partner opportunities are available for interested parties. Discover how Creditea Pay Later can enhance your e-commerce business today!Starting Price: $0 -
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CASHe
CASHe
CASHe is India's premier personal loan and credit line app, offering instant loans up to ₹3,00,000 with flexible repayment options ranging from 9 to 18 months. The application process is entirely digital, requiring minimal documentation, and funds are disbursed directly into the user's bank account within minutes of approval. CASHe utilizes a proprietary AI-powered credit scoring system called the Social Loan Quotient (SLQ) to assess creditworthiness beyond traditional credit scores, enabling young professionals without a formal credit history to access financial services. In addition to personal loans, CASHe provides a pre-approved CASHe Limit, allowing users to withdraw funds as needed and repay in easy EMIs, with interest charged only on the utilized amount. The platform also offers Buy Now Pay Later (BNPL) options for shopping on popular online retail stores like Amazon and Flipkart, as well as investment opportunities in digital gold and curated investment products.Starting Price: Free -
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Kart
CarltonOne Engagement
Introducing Kart™ — the future-friendly way to shop and save on all the brands you love. We’re revolutionizing your shopping experience, with over 100,000 daily deals on the latest fashion, gadgets, kitchen appliances, toys, beauty, travel and more. Kart™ includes 1-click discounts at local restaurants, coffee shops and retail stores. These instant daily deals are personalized for you and geo-located for your neighborhood. You can even share these Kart™ local deals with your family, so everyone can save, every day. We do the shopping, so you can do the saving. Shop smarter and save everywhere with Kart™. Free delivery to your home or office is included with thousands of deals every day. -
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iwocaPay
iwoca
B2B payments built by the experts. Offer approved trade customers flexible payment options and spending limits up to £30,000. We’ve partnered with the biggest names in ecommerce and accounting software so you can easily accept business payments and unlock growth by offering Buy Now Pay Later to your trade customers. Take all your payments through iwocaPay for free or stand out from the competition and give your trade customers interest free extended terms - for all of them, or just a special few. -
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Walnut
Walnut
Walnut helps your practice approve more patients, even those with credit challenges. Get paid upfront with plans starting at 0% interest. Traditional patient financing companies reject 50% of patients. Our proprietary underwriting algorithm helps you approve more patients. Get paid upfront with zero risk and no fees. We currently serve elective care markets. We believe in simple, fair, and transparent payment options for patients. Our dedicated support team is available around the clock to answer patient and provider questions. Financing plans are available starting at 0% interesting. Walnut is completely free for providers to implement. Walnut is a better way to manage your healthcare costs. We turn your medical bill into smaller, monthly installments that are customized to you. Paying on time can help you build positive credit history and we will assign you a Walnut Agent to help you make sure you are on track. -
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Amount
Amount
The fast and flexible way to take your bank digital. Enabling financial institutions to provide secure, mobile-first experiences for a variety of products. We offer a truly modular suite of capabilities and services to fit your needs. Choose only what you need, customize it to your brand, and start lending quickly. Go to market in months not years. Your brand powered by a turnkey mobile-first solution. A proven leader in fraud and verifications. Dozens of data sources integrated into one easy, flexible, and actionable pipeline. Amount believes in the power of technology to transform lives. We make digital financial experiences that align with the way we live, enabling your financial institution to traverse the digital divide, unify your data, and gain insight to improve the experience for your customers. We leverage a network of world-class banking clients and 15+ data sources, all integrated into one multi-product offer. -
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Capital Float
Capital Float
Founded in 2013, Capital Float is India’s leading buy-now-pay-later and credit platform serving the financial needs of salaried & self-employed individuals. We offer quick finance to consumers shopping online through numerous partnerships with A-list brands. We also provide digital credit to individuals for their personal and business needs. Get a customized renewable credit facility in real-time on your phone. Capital Float is the preferred finance partner for thousands of self-employed individuals in India. Our short-term digital loans help these small businesses to break limits and achieve quick growth. Our expertise enables us to create cutting-edge credit products for small businesses that may not have availed of formal finance in the past. BNPL facility that makes shopping affordable and enjoyable. Quick, collateral-free finance for personal and business needs. Apply from anywhere at any time whilst connected to the internet. -
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Transigo
Transigo
Whether you are a B2B seller or marketplace, it is challenging to grow your business without offering point-of-sale credit to your customers. But this also creates credit risk and possible cash flow disruptions. Why not get the best of both worlds? We provide the credit on your behalf and take the risk, while you get the cash upfront for immediate business use. Our sophisticated verification algorithms will then digitally perform all relevant KYC/KYB and AML checks. The result? Your customers can be onboarded online within minutes. Buyers authorize Transigo to access their bank account information via Plaid. We then automatically perform a short credit assessment – after which the buyer will receive a full credit line quota. Generous credit terms equals a better shopping experience for your B2B customers – which means a higher chance of repeat business -
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@Pay
@Pay
@Pay is a DEFI (Decentralized Finance) protocol that is the first BNPL (Buy Now Pay Later) platform built integrating blockchain technology with its own cryptocurrency. @Pay will offer significant cost savings to all participants in the ecosystem by utilizing smart contract technology and blockchains. @Pay aims to be a key participant in offering DEFI eCommerce and in-store solutions to shoppers and merchants. @Pay will also allow users to pay for their shopping with any approved cryptocurrency that they hold in their @Pay wallet. Shoppers will be rewarded through a program that is built on allowing all contributors to the ecosystem to benefit. @Pay is powered by the @Pay token which will be used as a mechanism through which the protocol is governed. A broad distribution across the entire ecosystem including users, merchants and marketplaces will ensure that all participation is rewarded. -
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equipifi
equipifi
Powering banks and credit unions for the next generation of consumers. equipifi’s white label solution integrates with banks and credit unions to curate offers that consumers can view, accept, and manage through their existing banking apps. By offering BNPL, financial institutions enable their debit cardholders to pay for purchases in a way that aligns with their financial goals. Greater clarity for consumers managing their BNPL loans. Pre-approved BNPL offers are tailored to consumers and their financial goals. Expanded use cases and more qualifying purchases for BNPL. Fast and refreshingly simple, with everything on one platform. A single source for consumers to access flexible financing on everyday purchases from their primary financial institution. Flexible payment options that younger generations love. Stay engaged with cardholders making everyday purchases. Refreshingly simple user experience on your banking app. New market opportunities to grow interchange and interest. -
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Laybuy
Laybuy
Use a single login to pay at thousands of retailers across the globe. Whether in-store or online. Your in-app personalized barcode makes paying by Laybuy in-store quick and easy. SMS are replaced with notifications so you can complete your order in seconds. Managing your payments and budget just got easier. Keep up-to-date with any upcoming payments, pay off your orders early, or just check in to see how much credit you have, all while standing in the fitting room. Laybuy’s shop directory has literally thousands of retailers - with some of the biggest name retailers in the world. Find the latest trends, see the latest deals, and never miss out on that must-have ever again.Starting Price: Free -
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Katapult
Katapult
No credit is required and easy, flexible payment options mean that you don’t have to stress about making those important purchases. Shop great deals now with 100+ retailers and apply for a Katapult lease today. With Katapult lease-to-own, you can take home up to $3,000 in must-have items such as furniture, electronics, home appliances, beds, mattresses, tires, and much more. Our lease-to-own option offers a fresh way to get the things you need. Select Katapult as the payment option in the checkout. Start your lease-purchase application and once approved get the flexibility to pay over time, purchase early or even return your items. Katapult is a better way to pay. Katapult cannot be used for every transaction, only specified items are eligible. The browser extension for Katapult cannot be used to make in-store transactions.Starting Price: Free -
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Uplift
Uplift
Uplift is that little friendly boost you need to make the incredible happen, without incredible stress to your finances. We make our payment plans straightforward, so they stay simple and surprise-free with no debt traps or compound interest. And most importantly, Uplift gives you the option to adjust payments when life happens and you need some added flexibility with your finances. Choose Uplift as your payment method at checkout and enter a few pieces of information. Select the payment plan that works best with your budget then finish making your purchase. Feel good about your decision and pay over time with easy, fair, straightforward payments, and with AutoPay, it gets even easier with no payment dates to remember. -
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Credova
Credova
Credova Financial is a consumer financing platform that integrates directly into the online checkout process providing customers multiple financing options with a single application. Whether you are a customer or a store owner, we make it our mission to provide you with the tool and information you need to be successful in your financing, business or shopping experience.Starting Price: Free -
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Koverly
Koverly
Koverly ensures your bill gets paid on time. You choose the best payment option for your business at checkout. Make online global payments quickly, easily, and securely in 100+ currencies with industry-leading exchange rates. Full transparency on money moving across borders. Send money in over 100 currencies to nearly any country in the world. Check live spot rates online for popular currency pairs. Your vendor gets paid now, you pay 30 days later. When you activate a KoverlyPay account, a portion of your line can be used to get 30 extra days to make FX payments with no interest or fees. Koverly pays your vendor right away and secures your rate. Split payments into smaller 4, 8, or 12-week increments when you choose KoverlyPay at checkout. Koverly adheres to strict security and compliance standards to ensure all your business payments and data are encrypted and secure at all times. Regular staff security, compliance, and privacy training and certifications. -
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i2c
i2c
Build, test and deploy your payment solutions quickly and easily with our modular, “building-block” technology. Choose from over 100K pre-coded functions using our point-and-click, self-serve interface. Accelerate time to market and support virtually any use case with our 300+ APIs. Instantly load card credentials into cardholders’ mobile wallets and leverage tools to deliver world-class digital experiences. Flexibility and control. Quickly create and test new programs with differentiated features based on market feedback, and scale new offerings to market on a platform that’’ inherently reliable and secure— and context aware. Our highly-configurable Agile Processing platform lets you create and deploy programs with an unparalleled range of features. Launch programs in as little as 30 days without expensive investment in IT infrastructure. -
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Finturf
Finturf
Finturf is a software solution for stores and service providers who want to offer POS financing options to customers. How Finturf Works? - The merchant or service provider uses Finturf to request funding for the customer - Finturf sends the loan request to its network of lending companies - If the customer is approved, the merchant can sell the product that day and receive the funding directly from the lender. Why Finturf? - Easy Setup - Reliability - White label services - 24/7 client support - High approval rates - Soft inquiries - Waterfall algorithm - Fast money transfer - Full performance reporting - Geo-targeting Stores and service providers looking to increase sales with POS loan options need to look no further than Finturf. -
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KORT
KORT Payments
We designed PayHQ to make running and growing your business easy. As one of the most innovative payment platforms on the market, PayHQ by KORT Payments simplifies accepting all types of payments under a single view of your payment data for smarter decision-making. Today, thousands of businesses across North America trust us to process their payments. PayHQ is a complete end-to-end solution, handling authorization, settlement, and funding. Accept payments in-person or online with features like invoicing, recurring billing, and seamless integrations with a single merchant number. Our online gateway offers your customers a secure, simple way to buy from you. Accept payments with an online solution built for businesses of all sizes. Seamlessly integrate your card terminals with PayHQ’s omni-channel solution to accept credit, debit, and other payment methods, using both contactless and mobile for in-person transactions. -
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Paidy
Paidy
With "Paidy," which does not require a credit card, you can prevent the basket from dropping and increase sales by making payments that meet the needs of users. Many users have supported pre-screening of credit cards, pre-payment at convenience stores, waiting at home for cash on delivery, and simple usage that eliminates the "messy" of shopping, and the number of accounts has exceeded 4 million. Not only will it prevent withdrawal, but it will also support increased sales by expanding the customer base, including non-credit cards and young people. With Paidy, which does not require a credit card, it is possible to acquire non-creca groups, mainly young people. 100% deposit guarantee for sales. Paidy bears the unpaid amount, so there is no risk to the merchant. -
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Ratio
Ratio
Reimagining technology procurement and funding by combining payments, predictive pricing, financing, and a seamless quote-to-cash process into one platform. Flexible payment options to close faster, embedded into sales. Get funded now leveraging your existing recurring revenues. Get paid now even though customers pay later. Align payments to Ratio with customer payments. Unlock capital for growth from your own assets without dilution or debt. No monthly payments are required for Ratio unlike venture debt and revenue-based financing. Pick and choose which contracts to sell based on your cash flow needs. The Ratio team is made up of experienced SaaS and finance executives, serial entrepreneurs, builders, and dreamers. Equity is a critical piece to building your company and compensating your team. Taking strategic capital from Ratio involves no dilution from selling equity or issuing warrants. -
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Clearly Payments
Clearly Payments
Clearly Payments provides low-cost credit card processing services and software for online payments, payment terminals, credit card machines, mobile payments, and recurring billing and invoicing. The Clearly Payments mission is to drive down the cost for merchants to accept payments. Period. Our first step in the plan is to build a payment processor with an incredibly low-cost structure. That takes innovation, so we need a strong corporate culture. We keep costs low with: - Virtual teams, cloud software, and a metrics-driven culture to operate our business - Working with the best and lowest cost payment technology providers in the world - Customer acquisition through communities, word-of-mouth, and partnerships. Our low-cost structure allows us to pass on the savings to merchants to cut their costs. We are growing on this front, making merchants happy and saving them money every day. https://www.clearlypayments.comStarting Price: $10.00/month -
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Bread
Bread
Sell more. Grow faster. Bread’s full-funnel approach helps you reach more shoppers by giving them the option to apply and check out with financing anywhere on your site. Give your shoppers access to greater purchasing power with the ability to pre-qualify for financing and check out from any page on your site. Your shoppers can discover, pre-qualify, and check out from anywhere—your homepage, category page, product page, cart, or checkout. Transform pricing using the shopper’s personalized per-month price to boost sales and increase average order value. Let your shoppers pre-qualify in seconds without ever leaving your site, giving them a seamless and frictionless experience. Shoppers can get their rate by entering just a few pieces of information, all without affecting their credit. Your shoppers learn if they are pre-qualified and understand their purchasing power in real time. Bread doesn’t take the shopper off the page or redirect to another site, ensuring a smooth user experience -
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ChargeAfter
ChargeAfter
By connecting to multiple lenders across the ChargeAfter network, merchants can now deliver instant and personalized point of sale financing offers to consumers, built around their unique credit needs. In financing, there is no “One size fits all.” ChargeAfter helps merchants offer the best consumer financing options to their shoppers at checkout while approving up to 85% of applications. ChargeAfter provides full performance and detailed transaction reporting from an easy to understand dashboard. See every transaction, from each lender – historically and as it happens live. Easily settle, upsell, refund and credit transactions at a click of a button. ChargeAfter is a flexible multi lender consumer financing platform. Your business is flexible too. Offer financing wherever your shoppers are. Online, In-store and over the phone. -
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Deferit
Deferit
Deferit is a bill budgeting and payment platform that has helped over 550,000 people improve their cashflow and pay bills in installments. To date Deferit has paid over $400m in bills and saved its users over $39m in late fees and other biller penalties by ensuring bills get paid on time. Pay upfront or over time in 4 easy installments. Build your credit history with every bill payment. The flexibility to change payment dates to suit your lifestyle. No interest, no late fees, just a simple subscription. Whether the bill needs to be paid by ACH, Check, Credit Card or any other method, simply take a photo of the bill and we take care of the rest!Starting Price: $14.99 -
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in3
in3
in3 Business is the new payment method in collaboration with Rabobank that allows you to pay for business purchases in 3 parts, without interest or extra costs. You immediately pay a third part. The second instalment you pay within 30 days and the third instalment within 60 days. This way you maintain control over your cash flow, have less risk and you have maximum payment convenience and flexibility. Keep track of your payments and get insights into your spending limit. Never miss another payment thanks to push notifications and have our full catalog of stores available at your fingertips. Choose in3 Business at the checkout of the online store or on a digital invoice and go through the verification process. This only takes 2 minutes. Pay a third of your order immediately. This will then be sent by the seller. You make the second payment within 30 days and the third payment within 60 days.Starting Price: Free -
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E6 TRITIUM
Episode Six
From top 50 global banks to fintechs, E6 gives you the infrastructure to quickly deliver industry-leading payments solutions and the flexibility to adapt in real-time. No matter the changing trends, you’ll be in the lead with our payment technology. Stop letting decades-old technology hold back 21st-century opportunity. TRITIUM, E6's powerful payments platform, offers a solution flexible enough to redefine paytech, and secure and reliable enough to make your CIO smile. Whether you’re looking to modernize your payment technology stack, grow your business, or jump ahead of the competition, TRITIUM is the only choice. You didn’t get here by chance, tell us what you want to do. From launching new, innovative products to powering BaaS, TRITIUM offers a single, flexible payment platform that can power almost any payments use case. Our modern payment platform and technology will simplify your paytech stack and help you lower costs. -
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Credit Key
Credit Key
Credit Key approves business customers for better monthly terms, in seconds, at e-commerce checkout. Credit Key's payment flexibility results in more orders, larger transactions, and happier customers. Credit Key's proprietary B2B underwriting process allows us to uniquely identify and immediately score businesses, extending deeper credit to your customers at the moment of purchase. Offering and receiving financing has never been easier. Credit Key offers pre-built integrations, lightning fast customer support, and a quick automated application process to simplify and streamline the B2B sales process. A B2B payment platform built around growing your business. From instant credit decisions, customer pre-approvals, to longer and larger credit terms. Credit Key gives merchants and business buyers the ability to accelerate their growth.Starting Price: $49 per month -
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Shop Pay
Shop Pay
Shop Pay remembers your important details, so you can fill carts, not forms. And everything is encrypted so you can speed safely through checkout. Pay in full at checkout or split your purchase into 4 equal installments at participating merchants. Now, you can offset the carbon emissions produced by your deliveries—for free. All you have to do is check out with Shop Pay, one of the first carbon-neutral ways to pay. You and your money are protected when you choose Shop Pay. Share your billing and shipping info once, and use your email address to tap through future purchases. Our servers meet strict industry standards (PCI Compliance) for vaulting credit and debit card info. Every personal detail you share with Shop is encrypted from end to end. Check out with Shop Pay and choose whether you pay in full or 4 equal installments* at participating merchants. Make debit or credit card payments every two weeks or turn on automatic payments. -
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Riverty
Riverty
Your trusted payment companion streamlines and monetizes the entire payment journey. Enhance operations, boost conversions, and improve customer retention. No matter if you are looking for higher conversions, improved customer loyalty, efficiency, or liquidity, our products empower you to optimize every step of your payment journey. Protect and enhance both, your liquidity as well as ongoing, healthy customer relationships with fair and sustainable debt collection services. Predictable liquidity, improved customer retention, and easy onboarding with own, third party, or in-house subscription management platform are only some benefits of our solution for subscription models. Full payment upfront, full payment cycle coverage, streamlined operations, and reduced transaction fees. Digitalize every step of your payment journey with one API, one contract, and one contact, also on an international level.Starting Price: Free -
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Slope
Slope
Accept online payments, offer flexible payment terms, and automate order-to-cash processes with Slope’s software and APIs. Accept credit card and ACH from businesses through a single API or our no-code invoice links. We support guest checkout, invoicing based on milestones or custom timelines, and same-day ACH to facilitate all your payment needs. Offer net, installments, or custom terms to your buyers at no additional risk. Get customers approved for financing within seconds for future purchases. You get paid out immediately, and we handle the risk, collections, and everything beyond. Eliminate manual processes involved from processing customer orders to applying remittances to open orders in your ERP. Utilize Slope’s flexible workflows to eliminate friction and ensure every dollar is reconciled. -
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Lemon
Lemon
Lemon helps SaaS companies improve cash flow & reduce customer churn by up to 90%. Lemon is a simple checkout solution for small-to-medium-sized B2B software vendors that lets your customers retain the comfort of paying for software monthly whilst paying you for your annual plan up-front, instantly. Integrating into your payment stack is simple: add the Lemon widget to your payment pages and we'll do the rest. Lemon pays your annual price upfront. Your customer pays us back monthly. If they stop paying, it’s our problem, not yours. Getting paid up-front reduces ongoing monthly churn. When your customers choose to pay with Lemon, you get paid up-front, instantly!Starting Price: $15 per month -
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tranch
tranch
tranch is how fast-growing businesses pay for software and services. Pay for your SaaS and services upfront then spread out the payments. Take control of cash flow with flexible payments on your terms. Prioritise spending on growth, without compromising on the tools you need. Our checkout tools enable suppliers to offer customers payment flexibility for annual contracts and invoices. Deploy quickly with no code checkouts. Accelerate sales and collections velocity. Give customers payment flexibility. -
50
SaaSPay
SaaSPay
Convert more annual deals by giving customers the option to pay back up to 8 months later. Convert monthly deals to annual packages to increase AOV. Generate leads with SaaSPay’s flexible financing solution. Get paid on day 1, no month-on-month payment chasing. Get paid upfront. Convert monthly subscribers to annual customers with one-click financing. Upload your customer details and list down your products and their subscription tiers. Get paid in full, on day 1. Receive a year's worth of payment in your bank account as soon as you sell! Complete a simple KYB process to get your SaaSPay account up and running. Maximize your team's potential by adding unlimited team members. Analyze different package performances with our powerful analytics feature. Identify opportunities for upselling with our customer usage analysis. One-click BNPL to boost annual subscription sales. Empower your customers with flexible repayment options.