Instant Access Competitors

Klarna – The smarter way to shop and pay Klarna is the AI-powered global payments and commerce network, on a mission to make shopping smarter and more flexible. Trusted by over 118m+ million shoppers, Klarna processes 3.4m million transactions daily, providing payment solutions that empower consumers and drive merchant growth. With Klarna, shoppers have the freedom to pay their way—in full, later, or through financing—providing flexibility while seamlessly connecting merchants with high-intent shoppers driving conversions and customer satisfaction. More than 966k merchant partners—including Uber, H&M, Saks, Sephora, Macy’s, IKEA, Expedia Group, Nike, and Airbnb—leverage Klarna’s payment options, and marketing solutions to enhance the shopping experience and build long-term customer loyalty. From payments to personalized shopping, Klarna is shaping the future of commerce. Klarna was founded in Stockholm, Sweden and now has offices in Stockholm, London, New York, Berlin and many more. We offer products and services to consumers and retailers within payments, social shopping, and personal finances. Learn more at Klarna.com

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. It’s a new day for payments—one where your shoppers can keep earning the credit card rewards they love, choose the number of installments, and gain a level of control that traditional “buy now, pay later” providers can’t – or won’t – give them.

Afterpay is a technology-driven payments company that facilitates commerce between retail merchants and their end customers by offering a "buy now, pay later" service that does not require customers to enter into a traditional loan or pay any upfront fees or interest. Afterpay has developed an end-to-end digital platform and transaction integrity engine that performs real-time fraud and repayment capability assessments. The company is headquartered out of Melbourne, Australia.