Klarna
Consumer BNPL. Online and in-store. Multiple markets across North America, Europe and Australia.
For business
Find a BNPL solution for your business
A structured starting point for merchants evaluating Buy Now, Pay Later providers. Documented attributes, no ranking, no recommendation.
How this page works
BNPLmart does not sell BNPL services and does not act as a broker. This page helps merchants navigate the documented provider landscape and identify which providers to investigate further.
Each provider is described by documented attributes — markets, segments, channels, integrations and payment options. Where a characteristic cannot be established from primary sources, it is labelled as such.
1. Providers serving merchants
The following providers publicly document merchant-facing products. This is not a ranking. Use the comparison page for a factual side-by-side view.
Affirm
Consumer BNPL and financing. United States and Canada.
Afterpay
Consumer BNPL. North America, United Kingdom, Australia, New Zealand.
Alma
Consumer BNPL. France, Belgium, Spain, Italy, Netherlands and Luxembourg.
Scalapay
Consumer BNPL. Southern and Western Europe.
Zip
Consumer BNPL and finance. Australia, New Zealand, United States.
Splitit
Card-linked instalments. Multiple markets including US, UK, Europe, Australia.
Sunbit
Point-of-sale financing. United States. In-store focus.
Zilch
Consumer BNPL. United Kingdom.
Limepay
Consumer and B2B BNPL. Australia and New Zealand.
Billie
B2B invoice financing. Germany, United Kingdom, United States, France, Netherlands.
Hokodo
B2B trade credit. UK, France, Germany, Netherlands, Belgium, Spain.
2. Tell us what you are looking for
Use the form below to describe your business and the BNPL solution you need. BNPLmart is not a broker and does not sell provider services. Requests are handled manually and may be used to improve the site’s documentation.
3. What to compare
Before choosing a provider, compare the following dimensions. Each is documented in the provider profiles where possible.
- Merchant fees and pricing structure
- Markets where the provider operates
- Segments: consumer, B2B, or both
- Channels: online, in-store, or both
- E-commerce platform integrations
- Payment options offered to the consumer or buyer
- Regulatory status by market
For a detailed framework, see BNPL for Merchants.
4. Frequently asked questions
Does BNPLmart provide financial advice?
No. BNPLmart provides independent informational content. It does not provide financial advice, lending services or credit decisions.
Does BNPLmart act as a broker?
No. BNPLmart does not sell or broker BNPL provider services. It documents providers and provides a structured way to compare them.
How are providers selected?
Providers are listed based on documented public information. Listing is not an endorsement. Where a characteristic cannot be established from primary sources, it is labelled as Not established.
Can a provider request a correction?
Yes. Corrections are reviewed against primary sources. See the methodology page.
Is there a fee?
No. The information on BNPLmart is free to read. Future commercial relationships, if any, will be clearly labelled and will not alter factual descriptions. See the disclosure page.