Alternatives to Ratepay
Compare Ratepay alternatives for your business or organization using the curated list below. SourceForge ranks the best alternatives to Ratepay in 2026. Compare features, ratings, user reviews, pricing, and more from Ratepay competitors and alternatives in order to make an informed decision for your business.
-
1
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 -
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. 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. -
3
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 -
4
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 -
5
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. -
6
@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. -
7
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 -
8
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. -
9
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 – 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. -
10
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 -
11
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 -
12
FlexiLay
FlexiLay Pty Ltd
FlexiLay is a modern layby platform that helps ecommerce merchants increase sales by allowing customers to pay for purchases over time—without credit, lending or traditional Buy Now Pay Later finance. Customers choose a deposit and payment schedule, make payments securely through Stripe, and receive their order once the balance is paid in full. Built for platforms like Shopify (with WooCommerce and others to follow), FlexiLay gives merchants a simple, automated way to offer flexible payment plans while retaining ownership of their customer relationships. Merchants can customise deposits, payment frequencies and plan lengths, while customers benefit from a transparent, debt-free payment experience. Our mission is to make flexible payments more accessible, helping merchants convert more shoppers and giving consumers a smarter way to budget for the purchases they want.Starting Price: 0 -
13
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. -
14
Alternative Payments
Alternative Payments
You might be losing a significant percentage of purchases at the checkout, just because you are limiting the choice of how your customers want to pay! Find out with our free report which local payment options your visitors prefer, and allow us to help you reach those customers today! We can supercharge your eCommerce businesses and help meet the needs of millions of customers that don’t use credit cards. A merchant who provides trusted payment methods to prospective buyers is adding trust and a sense of ease through the buying process. These two factors will translate into increased sales. E-commerce merchants based in the US and Canada now have a game-changing advantage to ring up sales from European consumers. Reach your new consumers in Germany, Netherlands, UK and in every part of the world, without worrying about how you will charge them. -
15
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. -
16
CrediLinq.Ai
CrediLinq.Ai
Credit analysis and data science are where we excel. From an online application to a finalized credit approval or one-click checkout in seconds, we've established the future of credit assessment through integrated alternative data points. Scale your sales growth without risk by offering your clients one-click B2B PayLater payment options. They can borrow money to purchase more supplies & inventory, and you still get paid upfront. Leverage your recurring revenue to access non-dilutive capital to accelerate your growth capacity. Offer your merchants up to 80% of their gross merchandise value (GMV) upfront to keep growing their business. Merchants get one click at checkout, advancing their receivables we wait for buyers and platforms to pay us. Our high-performance technology combines AI and data analytics for a seamless embedded lending solution with no additional income documents or paperwork. Together with you, we're accelerating the growth of the digital economy. -
17
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. -
18
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. -
19
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. -
20
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. -
21
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 -
22
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. -
23
BackdPayments
Backd
BackdPayments enables merchants to offer net-term and installment-financing options at checkout, including Net 15/30/45/60/90 and multi-month financing up to 24 months, while getting paid up front and offloading credit risk. It approves buyers instantly (limits up to $50,000 upfront and up to $1.5 million in some cases), works across online, in-person, and invoice channels, and supports full embed of payment-terms offerings anywhere you sell. It allows you to maintain your credit application alongside Backd’s terms and includes features like QR-code application triggers, merchant portal, and analytics to monitor conversion uplift. It is marketed to help you eliminate lost sales due to slow credit approval, increase average order value, and accelerate buyer onboarding with flexible B2B payment options rather than forcing immediate full-payment transactions. -
24
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. -
25
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. -
26
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. -
27
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. -
28
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 -
29
Carti
Carti
Carti is the AI sales associate that turns browsers into buyers. Built specifically for Shopify merchants, Carti gives every visitor a personalized shopping experience by answering questions instantly, recommending the right products, and guiding shoppers toward checkout — all without human intervention. Unlike generic chatbots, Carti automatically learns your entire product catalog, store policies, and customer preferences to deliver accurate, contextual responses. It proactively engages visitors before they leave, recovers abandoned carts with personalized interventions, and surfaces insights about what shoppers are asking so you can optimize your store. Carti works out of the box with a five-minute setup, no coding required. Whether you sell fashion, beauty, home goods, or pet products, Carti adapts to your industry and brand voice.Starting Price: $0 -
30
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. -
31
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. -
32
Advertsdata
index Internet
Every day we collect current job adverts placed on online job boards, corporate websites as well as from newspapers and magazines. With around 38 million job adverts a year, we are the market leader in Europe. We analyze the job markets of the Benelux countries (Belgium, Netherlands, Luxembourg) and France, Scandinavia (Denmark, Sweden and Norway) as well as Germany, Austria and Switzerland. Our information helps staffing agencies, publishers and job boards to open up new sales opportunities, evaluate the market and to optimize acquisition processes.Starting Price: $50.00/month -
33
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. -
34
Extend
Extend
Extend helps merchants generate revenue and protect customers from damage and loss through modern product and shipping protection solutions. Merchants receive a portion of each Extend protection plan sale, which goes straight to your bottom line. Our plans are built for your customers, protecting them from events like mechanical failure and accidental damage. Simple claim filing, with over 98% of Extend claims being resolved in 90 seconds or less, turning frowns upside down. Turn potential detractors into long-term brand advocates and repeat buyers with fast and easy claim resolution. Understand performance while our data scientists and marketing experts optimize Extend offers to drive more revenue. Extend protection plans are trusted by hundreds of merchant partners to deliver positive customer experiences and increased margins. -
35
Copilot Checkout
Microsoft
Microsoft’s 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 Microsoft’s 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 brand’s voice, and help visitors explore inventory, handle objections, etc. -
36
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 -
37
SEOBoss
SEOBoss
SEOBoss is a store-aware Shopify blog engine that creates SEO and AEO content from the context already inside a merchant’s store. It reads products, pages, existing posts, links, and writing intent before drafting, so articles fit the store instead of sounding generic. SEOBoss helps Shopify merchants create long-form blog articles with FAQ schema, meta titles and descriptions, internal links, product-aware hero images, and Shopify-ready drafts. It is built for stores serious about organic traffic that want a repeatable publishing workflow without starting from a blank page. Merchants can draft first and approve before publishing, or use Agent Mode to publish on a schedule. SEOBoss avoids duplicating existing posts, links back to relevant products and content, and helps turn buyer questions, product context, and search opportunities into useful blog articles.Starting Price: $49/month -
38
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. -
39
GoCardless
GoCardless
Simplify recurring or one-off payment processing with GoCardless, UK's leading online direct debit provider. Cost effective and secure, GoCardless offers a truly paperless Direct Debit set up option, with a simple migration process and transparent fees. The platform also comes with pre-built integrations with leading accountancy, membership and subscription software, including Xero, Quickbooks, Sage, Zuora, Teamup and Online Scout Manager.Starting Price: $0.01/month/user -
40
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. -
41
Promise2Pay
FUGU
Converting payment failure into revenue! Ship first – 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 – no subscription fees, no extra commitments. Click through installation, out-of-the-box configuration – less than 45 minutes of your time and you’re set. -
42
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. -
43
Pinch AI
Pinch AI
Pinch AI is an AI-powered post-purchase intelligence and abuse mitigation platform that helps ecommerce merchants identify and prevent fraudulent returns, reselling schemes, and other abusive behaviors while rewarding trusted buyers with adaptive return experiences and personalized incentives. It uses machine learning to analyze hundreds of data points across checkout, return history, logistics, and customer behavior to score buyer intent, segment customers, and create tailored return policies that balance fraud deterrence with excellent experiences for loyal shoppers. It offers a 360-degree customer view for support teams, integrates with return management systems, warehouse management systems, shipping carriers, and e-commerce stacks, and provides real-time dashboards to track key metrics like return rates, operational costs, and abuse patterns. -
44
BillPay
Klarna
Meeting the highest security standards and using the latest encryption techniques ensures your online payments are always safe and secure. Online payments made easy. Simply place items in your shopping cart, enter your e-mail address, shipping address and bank details. That's all there is to it! Whether purchasing by invoice or direct debit, your transaction will take just a few seconds to complete. If you haven't received a VAT invoice with your purchase or need a new one, please contact the merchant with whom you placed your order. You can easily extend your payment deadlines by 5, 30 or 60 days by going to your reminder emails and clicking the "pay later" link. Please check your bank statements to confirm that you transferred the full amount to the correct recipient. BillPay does not have access to the accounts of your online merchant. Ideal for repeat payments. Reliable and easy. The amount will be debited from your account. -
45
Tilled
Tilled
Seamlessly integrate into Tilled’s payments platform and immediately start earning revenue by accepting online or in-person payments via credit, debit, and ACH processing, as well as alternate payment methods like Apple Pay®. Seamlessly integrate into Tilled’s payments platform and immediately start earning revenue by accepting online or in-person payments via credit, debit, and ACH processing, as well as alternate payment methods like Apple Pay®. Through our Secure Storage Vault, your merchants can easily manage recurring payments and subscriptions as well as provide payment plan options. Merchants can also send invoices through text or email, and customers can click to pay instantly. Our reports and dashboards are available to both you and your merchants, and can be customized to your company’s brand and specific customer needs. Instantly view updates to merchant transaction history, batch settlement history, average payment volumes, and more.Starting Price: 0.07% + $0.05 per transaction -
46
Farm2Door
Barn2Door
Farm2Door is an all-in-one ecommerce and farm business platform built specifically for farms and producers to help them sell products online, in-person, and across digital channels with tools tailored to agricultural needs, including the ability to sell by weight or fixed price, manage flexible subscriptions, and sync online and in-person sales with real-time inventory updates; the software supports multiple fulfillment options such as delivery, pickup, and shipping, captures buyer information, and offers a Point-of-Sale (POS) solution that works seamlessly with the merchant account so farmers can accept credit/debit, mobile wallets, cash, or checks while inventory and orders stay synchronized. It simplifies order, payment, and customer management, automates routine tasks, and provides features like marketing toolkits, email campaigns, and integrated checkout across web, social media, and email to increase sales and loyalty.Starting Price: $99 per month -
47
PickJobs
PickJobs
PickJobs is an innovative employment platform that connects employers and employees in the Republic of Croatia but also includes countries: Serbia, Bosnia and Herzegovina, Albania, Kosovo, Northern Macedonia, Montenegro, Ukraine, Austria, Switzerland and Germany. -
48
NETS
NETS
NETS for Business offers a comprehensive suite of payment and merchant services to help Singapore businesses accept both in-store and online payments efficiently. Its in-store solutions include wired and wireless POS terminals supporting NETS debit/ATM card, QR payments, contactless cards, and overseas wallet/foreign card acceptance. Payments are settled by the next working day, and merchants have access to transaction reporting and settlement via an online Merchant Portal. For online businesses, products include eNETS Gateway (handling direct debit and all major credit cards), NETS Click, NETS QR Online, and SoftPOS. There are also self-service and motoring solutions, unified POS systems, vending solutions, solutions for F&B self-service, car park payment integrations, SGQR label support, and digital receipt management. The NETSBiz mobile app lets merchants get payment notifications and manage terminals; merchant guides and developer APIs are provided.Starting Price: Free -
49
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
OrderRules
eFoli
OrderRules is a Shopify app designed to help merchants prevent overselling by automatically enforcing order limits, store hours, and customer purchase restrictions at checkout. The platform allows businesses to set daily, weekly, or monthly order caps while automatically pausing checkout once capacity is reached. OrderRules also supports automated business hours, per-product limits, collection limits, and per-customer purchase controls to help merchants manage fulfillment more efficiently. Built on Shopify Functions, the app validates orders directly inside Shopify’s checkout engine for fast and reliable enforcement without requiring custom code. The platform includes analytics dashboards, email notifications, and historical reporting to help businesses monitor capacity usage and optimize operations. By automating checkout restrictions and fulfillment controls, OrderRules helps Shopify merchants reduce refunds, prevent overbooking, and run more predictable operations.Starting Price: $0
