Alternatives to FlexiLay
Compare FlexiLay alternatives for your business or organization using the curated list below. SourceForge ranks the best alternatives to FlexiLay in 2026. Compare features, ratings, user reviews, pricing, and more from FlexiLay competitors and alternatives in order to make an informed decision for your business.
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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: đ API-first! Get at them docs đł Go beyond cards: Accept ACH, wire, card, and even checks đ¨ Instant, Risk-free Net Terms: Your customers pay Net 30/60. You get paid instantly. đ Recurring payments, made easy: Make recurring invoice payments as easy as recurring CC payments đ˘ Built for all B2B payment needs. Perfected for Marketplaces, Wholesalers, Merchants, SaaS and Service Providers. đ§đ˝ââď¸ Self-serve invoicing: Your customers can pull & pay their own invoices with a click đď¸ Automatic reconciliation & collection: Isnât it funny youâre still doing this manually?Starting Price: $0 -
2
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. Affirmâs 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 3â36 months. 3. We settle within one business day and take on risk, from costly chargebacks to fraud. Zero risk to you. -
3
Sezzle
Sezzle
Based in Minneapolis, Minnesota, Sezzle is a public-benefit corporation on a mission to financially empower the next generation. Sezzleâs #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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Zip
Zip Co
Instantly boost sales with Zip (formerly Quadpay). Integrate Zip's âpay laterâ 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 â¨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, youâre already capable of accepting Zip today. Just scan the QR code to process payment. No code changes or integrations with POS systems required -
5
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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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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PayU
PayU
PayU is a payment processing platform, that enables merchants to accept cross-border and local payments with full payment methods coverage for any type of market and customer. PayU helps merchants improve their approval rates with the lowest fees while ensuring the highest level of security for their transactions â all through a single connection. As a provider of payment processing solutions, PayU helps merchants grow their sales. Once onboarded, merchants gain access to hundreds of local and global payment methods, seamless checkout experiences, and anti-fraud and security capabilities that will make customers return to their stores. No matter how complex your eCommerce business is, PayU covers multiple integration scenarios. -
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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 -
9
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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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 -
11
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 merchantâs 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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Paythen
Paythen
Paythen makes it easy and painless to offer flexible payment plans or installment payment plans for your product or service to customers in 120+ counties and currencies, while built-in automations reduce busy-work, admin and support time. No code or technical know-how needed. Just connect your Stripe account and get started in under a minute. With Paythen, you're in control of how you offer payment plans - you choose the billing intervals, amounts, fees, and lots more. Once you create a plan, you get an easy payment link that works anywhere â on social, email, your website or anywhere your customers are. In addition to payment plans, you can also collect one-off payments, offer subscriptions or use our unique "Pay your way" plan to let your customers choose between paying upfront or via a payment plan. Paythen is a better alternative than buy now pay later companies with lower fees, more control, your brand, and more flexibility. Paythen works with Stripe.Starting Price: 1.25% per transaction -
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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 deliveriesâfor 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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Sunbit
Sunbit
Sunbit is a pay-over-time financing platform designed to help customers spread the cost of in-person services such as auto repair, dental care, eye care, veterinary care, and other essential services. It lets users apply quickly, often at the point of sale, using a soft credit check that does not impact their credit score, and many applicants (about 90%) receive approval. Once approved, customers can choose flexible payment plans (commonly 3, 6, or 12-month terms; dental care plans may extend up to 72 months), allowing them to receive needed services immediately while paying over time. Sunbit promises transparent financing: no hidden fees, no late fees, no origination or penalty fees, and no penalty APRs. For merchants and service providers, Sunbit integrates at checkout, in-store, on-the-go, or online, streamlining payment processes, increasing conversions, and making service more accessible to customers who might otherwise delay care or repairs. -
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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 âOne size fits all.â 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 â 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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Flex Pay
Upgrade
Flex Pay (formerly 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, Flex Pay gives you the option to adjust payments when life happens and you need some added flexibility with your finances. Choose Flex Pay 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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@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. -
18
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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Copilot Checkout
Microsoft
Microsoftâs Copilot Checkout and Brand Agents are new AI-driven commerce capabilities designed to shorten the path from browsing to buying by letting customers discover, compare, and complete purchases without leaving an AI conversation while keeping merchants in control of the transaction and customer relationship. Copilot Checkout embeds a fully conversational shopping and payment flow into Microsoftâs Copilot AI experience, so shoppers can ask about products, get recommendations, compare options, and check out right inside the chat interface with no redirects or friction, and merchants stay the merchant of record while orders are processed through partners like PayPal, Shopify, and Stripe. Brand Agents are AI-powered shopping assistants that merchants deploy on their own sites (initially via Shopify and Microsoft Clarity) to provide brand-specific conversational guidance, answer customer questions in the brandâs voice, and help visitors explore inventory, handle objections, etc. -
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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 PayHQâs omni-channel solution to accept credit, debit, and other payment methods, using both contactless and mobile for in-person transactions. -
21
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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M2P Fintech
M2P Fintech
We handle opening of user/bank accounts, customer onboarding, compliance checks, and regulatory requirements, end-to-end. We guarantee industry standard compliance and a frictionless user experience. Roll out future-ready, customer-relevant banking services with our holistic core banking system. We help businesses provide smooth payment experiences to their end customers. Whatever the payment requirement, our solutions can handle it. We help organizations and banks issue branded physical and virtual cards. We configure requirements and co-create card programs specifically for your needs. We connect finance, technology, and commerce, with our capabilities like collection tech, payouts, plug-ins for merchants, payment gateway, and more. Our solutions are end-to-end, meaning we do all the heavy lifting, enabling you launch cards, programs, any fintech product in no time at all. -
23
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. -
24
Billbitcoins
Billbitcoins
The cryptocurrency has seen a rally like no other and is fast getting accepted by thousands of merchants all over the globe. This is especially true of merchants that offer products or solutions to technically advanced customers. Billbitcoins provides a merchant friendly payment solution to enterprises looking to expand their customer base and provide the option of alternative currency while checking out. At the same time Billbitcoins ensures that the merchant is insulated from the volatility of the market. We accept bitcoins on your behalf and credit the equivalent dollar amount to your bank account linked with our payment platform. Six confirmations before updating the merchantâs purchase for better security and protection against double spending. Refunds in bitcoins for partially or completely paid invoices paid directly to customerâs bitcoin address.Starting Price: 1% Fee -
25
Utterbond
WebContrive Technologies Pvt Ltd
Utterbond is a powerful Shopify subscription app designed to help merchants build predictable recurring revenue through flexible subscription plans, recurring billing, and customer retention tools. The app allows brands to offer subscribe-and-save programs, prepaid subscriptions, custom subscription boxes, and Build-a-Box experiences where customers can personalize their recurring orders. With built-in dunning management, automated recurring payments, and failed payment recovery, merchants can reduce churn and recover lost subscription revenue automatically. Utterbond also includes a branded self-service customer portal where subscribers can manage billing, swap products, skip deliveries, pause subscriptions, update payment methods, and view order history without contacting support. The app integrates directly with Shopify Checkout and supports major payment gateways including Shopify Payments, PayPal Express, Stripe, and Authorize.net.Starting Price: $19/month -
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Billie
Billie
Leverage the power of flexible payment terms to achieve your core business goals. Get paid upfront while your buyers choose their preferred payment terms. Let your buyers split the payment of larger purchases into 3 installments. Offer consolidated payments and accessible trade credit lines to buyers. Unify the payment experience across all of your sales channels. Offer flexible payment terms in your webshop. Unlock the potential of cross-border trade and serve buyers across Europe. Based on proprietary, machine-learning-enabled risk models, fully digitized processes, and a highly scalable tech platform, Billie offers freedom to big and small businesses alike through fast liquidity, automated workflows, and access to modern payment solutions. Delight your business buyers with their no. 1 payment choice for checkouts and increase B2B sales in your webshop. Your customer selects their goods, proceeds to the checkout, and then goes to the payment selection page. -
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Zinia
Santander Group
Zinia is the new âBuy Now, Pay Laterâ 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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FLEXIS HK
Flexis Limited
FLEXIS HK is a global payment platform designed to automate freelancer payouts while ensuring full compliance. It enables businesses to pay contractors in over 180 countries with ease. The platform handles currency conversion automatically, allowing payments in multiple currencies. FLEXIS HK simplifies compliance by managing KYC, AML, and tax verification processes. It offers a universal agreement that supports freelancers of any tax status. Businesses can integrate the platform into existing systems using its API. Overall, FLEXIS HK streamlines global payments while reducing administrative and legal complexity. -
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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. Americaâs 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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iwocaPay
iwoca
B2B payments built by the experts. Offer approved trade customers flexible payment options and spending limits up to ÂŁ30,000. Weâve 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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Sionic
Sionic
Sionic is the first to bring real-time payments to commerce in the U.S market. Our service delivers bank-to-bank, digital cash payments from consumers to merchants through mobile, online, in-store, and in-vehicle experiences. Merchants receive cash deposits in their bank accounts within seconds and bypass expensive credit card fees. From local businesses to global enterprises, merchants remain trapped in paying rising credit card fees, amounting to $110 billion per year in the U.S. in 2020. Consumers, mired in late fees and $15.2 trillion debt, are awakening to dubious reward schemes that have compounded financial inequities. Now, the arrival of instant digital bank payments creates a new means to equitably reallocate value back to merchants and consumers, the backbone of the U.S. economy. We offer three mobile tools to make it fast, easy, and secure for consumers to pay by bank. Easily stub out to our off-the-shelf microsite through customized QR Codes or URLs.Starting Price: Free -
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Zeno Bank
Zeno Bank
Zeno Bank is a crypto payment gateway platform that helps online businesses accept cryptocurrency payments from customers around the world. The platform enables merchants to add crypto checkout options to existing payment systems without changing their traditional fiat payment infrastructure. Zeno Bank supports stablecoin payments, Binance Pay integration, and multiple cryptocurrency tokens for fast and secure transactions. Businesses can accept crypto payments through plugins, APIs, and SDKs designed for platforms such as WooCommerce, WHMCS, PrestaShop, and custom applications. The platform offers flexible wallet management options, including managed wallets handled by Zeno or self-custody setups where merchants control their own private keys. Zeno Bank automatically detects incoming crypto payments and marks customer orders as paid in real time. The system is designed to reduce payment processing costs while helping businesses reach a growing global crypto user base.Starting Price: 0.1% Fees -
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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 SaaSPayâs 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. -
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Slope
Slope
Accept online payments, offer flexible payment terms, and automate order-to-cash processes with Slopeâs 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 Slopeâs flexible workflows to eliminate friction and ensure every dollar is reconciled. -
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Vartana
Vartana
Book 30% more customers without compromising cash flow with Vartanaâs payments platform. Win opportunities 3x faster by eliminating budget conversations with simple payment plans. Increase total contract value and cash collection with multi-year paid upfront contracts. Empower your sales team with pre-approved payment plans and manage the end-to-end deal process through a central dashboard. Subsidize the full or partial cost of payment plan to convert more customers. Use Vartanaâs capital pool or your balance sheet for financing. Our platform enables companies to offer flexible billing options such as monthly and quarterly terms without compromising cash flow, leading to a higher average order value, close rate, and sales efficiency. -
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PayiQ
PayiQ
PayiQ is a cloud-enabled payment processing and payments intelligence platform built to replace legacy, pre-internet payment systems with a scalable, secure, and data-rich solution that serves merchants, independent sales organizations, and independent software vendors through a full suite of processing services, automated tools, and deep consumer insight capabilities. Its cloud architecture delivers faster transaction processing, strengthened security, and automated management functions such as risk assessment, merchant onboarding, chargeback handling, and residual calculations, reducing manual work and operational overhead for resellers and partners while allowing them to focus on revenue growth. For merchants, PayiQ captures and analyzes detailed transaction and order data from all channels to transform previously anonymous card-paying customers into first-party profiles that include purchase behaviors, preferences, and frequency, enabling personalized segmentation. -
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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!â 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 donât have to worry about that! You can purchase products on the ZoodMall app or at hundreds of online stores offering the ZoodPay âBuy Now, Pay Laterâ 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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Payee
Payee Eftpos and Ecommerce
Payee boosts your business cash flow with our all-in-one Australian payment solution. We seamlessly handle EFTPOS terminals with flexible pricing options, including our unique Pay Nothing model where customers cover transaction fees. Our system integrates flawlessly with your eCommerce store and works perfectly with WooCommerce. We provide payment gateway solutions compatible with your custom apps and software. As an Australian-based provider, we understand local business needs and offer dedicated support when you need it. Our intuitive merchant portal gives you complete visibility and control over transactions, settlements, and funding deposits. Payee streamlines your payment processing so you can focus on running and growing your business.Starting Price: $29 -
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Promise2Pay
FUGU
Converting payment failure into revenue! Ship first â get paid later. FUGU guarantees payment collection within 14-days. Immediately after a cart is abandoned, eligible customers are notified of a deferred payment option. Once approved for deferred payment, FUGU will manage and assume liability for payment collection within 14 days. No additional payment methods, no additional registration. All collection operations are taken care by FUGU under your brand. We only charge when we guarantee the recovery â no subscription fees, no extra commitments. Click through installation, out-of-the-box configuration â less than 45 minutes of your time and youâre set. -
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Chargeblast
Chargeblast
Chargeblast helps subscription SaaS and e-commerce merchants defend against chargebacks. Merchants use Chargeblast to lower their chargeback rate to 0% so they are not at risk of being kicked off their payment processor (e.g., Stripe, Shopify). Chargeblast is protecting over $1bn in annual transactions.Starting Price: $25 per chargeback alert -
41
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, itâs 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 -
42
Hokodo
Hokodo
A Buy Now, Pay Later Solution for B2B. Sell more and grow your business by providing your B2B customers with the ability to Buy Now, Pay Later at checkout. Hokodo is the modern way to offer trade credit to your customers. Keep customers in the funnel and boost sales by offering instant credit terms. Our real-time underwriting means no lengthy credit checks, and customers can access payment terms instantly, even on their first purchase. No more worrying about your cash flow. We pay you following delivery of the goods. We also take care of collections and chasing late payments on your behalf. Your business is protected against credit and fraud risks including non-payment, ID theft, chargebacks and outright insolvency of your customers. 73% of B2B buyers say they prefer buying online. We think they deserve the same frictionless checkout experience that consumers already get. -
43
Coinify
Coinify
We enable businesses and individuals to adopt financial innovation. We offer a variety of two-way virtual currency services tailored to businesses and customers of different sizes and needs. Connecting traditional and new payment worlds to bring you ease of use. Secure and compliant platform that helps to protect your value. Professional team with virtual currency experience since 2010. Your gateway to virtual currency payments. Find flexible virtual currency payment products that will take your business to the next level. Coinify Payments allows online and brick-and-mortar merchants and PSP's to accept virtual currencies while receiving payouts in traditional currencies at no extra cost. Allow your customers to make deposits to their accounts with direct virtual currency deposits and receive the amounts in traditional currency. -
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Future Logics IMS
Future Logics
Welcome To Future Logics Web Applications, Mobile apps & Custom software development. Business Concept. People in the United Kingdom, call it Hire Purchase i.e., an arrangement to purchase goods or services, where the buyer makes some down payment and agrees to pay off the balance, of the remaining agreed amount in periodic partial installments. While, in the United States of America, itâs more commonly know as an Installment Plan or lease plan/lease management. IMS facilitates to manage cash/Installment sales, down payments, stock, recovery and outstanding details. IMS is specially designed for you if you are selling anything on monthly installment. What is IMS Customer Accounts? It provides the facility to maintain the customer accounts. Purchase & Payable. Manage all cash and credit sales along with receivable details. Sales & Receivables. Manage all cash and credit sales along with receivable details. Inventory. Manage stock in out & provide powerful reporting to enhanceStarting Price: $50 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. -
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APEXX
APEXX
A single integration to APEXX gives you the flexibility to build your perfect payment orchestration layer. Our vision is to be the payment industryâs most merchant-centric provider. Through our platform, a merchant can connect via a simple API connection to the worldâs payment ecosystem. Our vision is to be the payment industry's most merchant-centric provider. Through our platform, a merchant can connect via a simple API connection to the world's payment ecosystem. One-stop shop for the full stack of your payment requirements. We run an industry-leading consultancy service specializing in negotiating rates on your behalf. APEXX optimizes your payment flow by routing transactions based on key criteria to any number of acquirers in order to improve sales and reduce costs. APEXX provides the right mix of payment methods to help your business grow quickly globally. Maximize conversion rates and limit costs whilst making life as easy as possible for our merchants and their customers. -
47
CoinPayments
CoinPayments
CoinPayments is a cryptocurrency payment processing solution that allows merchants around the world to accept Bitcoin and more than 120 other digital currencies as a means of payment in their stores with very easy-to-use solutions: e-commerce plugins, payment buttons, APIs, and POS interfaces. With over a million users, merchants in more than 190 countries, and more than 2,100 cryptocurrencies available, CoinPayments is the most comprehensive cryptocurrency payment platform in the world. CoinPayments charges a commission of just 0.5%, positioning us as one of the cheapest options in the industry. Since 2013 we are leaders and pioneers in the crypto payments industry. As of today we are the largest crypto payment processor in the world with integrations in all the most important e-commerce platforms globally including Shopify, Magento, Prestashop, WooCommerce, Opencart, and many more. -
48
SecurionPay
Online Payments Group AG
SecurionPay is a technologically advanced online payment platform with a strong focus on customer experience and first-rate solutions. The team of professionals understands merchantsâ needs and pain points â from superior user experience, top-level security and smooth payments to mobile conversion, chargebacks, and fraud issues. Cutting-edge technology and versatile APIs give our clients ultimate freedom, flexibility and full control over both the development process (no matter of the merchantâs technology stack) and every payment activity.Starting Price: $0.25/one-time -
49
Make Any Payment
Make Any Payment
Make Any Payment ensures you get paid by your customers on the spot and securely to avoid chasing money or working for free. Our platform is ideal for project deposits, quick decision purchases, debt collection, and more. Furthermore, it enables customers to conveniently make payments using credit cards or take advantage of Buy Now Pay Later services. -
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NMI Merchant Central is a unified underwriting and merchant-services solution designed to streamline the full merchant lifecycle, from lead acquisition and onboarding to portfolio monitoring, risk, and residual-management. It empowers independent sales organizations, banks, and payment software firms to underwrite, forecast, and onboard merchants in minutes using automated workflows that reduce friction and speed approvals. It includes tools such as its portfolio-management module for tracking merchants, managing residual payouts, and consolidating processor-agnostic reporting; lead- and sales-funnel management to boost conversion; and integrated risk-and-compliance checks (via automated data and real-time monitoring) to reduce merchant abandonment and churn. Designed for efficiency, MRM enables organizations to manage merchant data, transactions (volume, chargebacks, deposits), and residuals all in a single dashboard while automating manual tasks.
