7 Apps Best buy now Pay Later Apps 7 Apps Best buy now Pay Later Apps

Buying now, paying later will change the way we buy. This has led to greater control over the understanding and management of the funds. There’s a lot of shopping going on right now, are you paying for future applications because you decided to do one? A blog post will help you make your decision by highlighting the first seven applications that will be purchased now and paid for later in 2020.


  1. Quick overview
  2. QuadPay
  3. Clarna
  4. Zipper Pei
  5. After payment
  6. Confirm.
  7. Sezzle
  8. PayBright
  9. Video
  10. Finish

Brief overview

Buy now, Pay later Comparison Table Buy now, Pay later Comparison Table

Fourfold increase

QuadPay request QuadPay request

QuadPay is now owned by Zip Co and is available in the United States and Canada. It applies a simple procedure consisting of four equal payments every two weeks.

QuadPay goes one step further and offers a virtual card that can be used in stores that accept Visa cards. This is an excellent option because Visa is used more often in the United States than MasterCard and other cards. You can also use QuadPay in the participating webshops and stores.

The initial limit is not indicated on the official website, but in my opinion it would be about $1,000.



Clarna Annex Clarna Annex

Klarna uses a different strategy and offers a phantom card that can be used in thousands of stores, including Amazon, eBay and local online stores. The disadvantage of Klarna is that it only works online and you can only shop in the Klarna application.

That’s how it works: You log in to the Klarna application, log into your usual account and add the item to your shopping cart. On the shopping cart page, Klarna automatically recognizes the quantity and creates a ghost card. You can also add money manually.

You pay with a phantom card, then Clarna bills you every two weeks. The first payment will be made on the day of purchase and you will be refunded the full amount for six weeks.

Clarna is available in the United States, the United Kingdom, Australia, Austria, Belgium, Denmark, Finland, France, Germany, Italy, the Netherlands, Norway, Spain, Sweden and Switzerland. Initially you will receive approximately $1,000, but over time the limit may be increased.


That’s what it looks like: Klarna versus Afterpay (2020) | The final confrontation

Zip code

Appendix Zippay Appendix Zippay

Zip Pay or Zippay is available in Australia, New Zealand and now also in the UK. Zip Pay offers you the opportunity to buy now and pay at your own pace. Like the children’s company QuadPay, Zippay offers a virtual map that can be used in thousands of stores that support Mastercard in Australia.

You can use it not only as a card, but also in the thousands of shops that offer Zip as a means of payment.

Zip always uses an easy to understand repayment strategy. Until the debt is paid off, you’ll have to pay $6 a month. So if you pay back within a month, you don’t pay too much, but after the first month you do pay a monthly amount.

Zip can also be used in BPay, the standard payment method for invoices and other payments in Australia.

Zip offers a limit of $350 to $1000 in Australia and performs a credit check before choosing a limit. If you have a lower limit, you can apply for a promotion after six months. The application also sends a notification if you are entitled to it.


After payment

Salary application Salary application

The most popular service, purchased now and paid for later, is one of the first to start your journey. Afterpay is available in Australia, New Zealand, Great Britain and the United States. This service is called Clearpay in the United Kingdom.

The Afterpay Company offers to buy goods in shops and on the internet and pay in four equal parts. The first payment is mainly made on the first day and the service offers to spend between $500 and $1500 online and in-store.

It does not offer a card system, so the only shops operating the system are those offering post-payment as a means of payment. You can shop online with your account details and use the barcode generated in the application to make purchases in the shop.

After payment

That’s what it looks like: Zip Pay vs Afterpay (2020) | The ultimate test of strength


Web Calculator Confirmation Web Calculator Confirmation

The company is only available in the United States and offers simple monthly payments. You can get your money back in 3 months, 6 months or even 12 months. But you pay the interest. The question is not like other services. It can be used for larger purchases such as laptops and phones.

The website has a calculator that shows how much you pay in a certain period of time.

The service is available in thousands of stores and you can use their application to purchase products or choose Confirm as your payment method in the participating stores.


Discussion wire

Fast payment Fast payment

Sezzle is available in the United States and Canada and uses a simple approach such as Afterpay. You pay a deposit on the day of purchase and the other three every two weeks.

The service has more than 1.8 million customers and is offered in more than 20,000 stores. You can also use Sezzle in store and online.



Payment arrangements with entitlement Payment arrangements with entitlement

PayBright is the latest application on this list, and is only available in Canada. The main function is the same, but works slightly different from some of the applications mentioned.

PayBright comes with two options:

  1. Pay four times every two weeks.
  2. Take advantage of the monthly option, which gives you up to 60 months to pay off your debts.

The second way is for large purchases, and of course you pay interest.



Still don’t know which one to take? Watch the video for the best buy now, pay later in 2020. All requests are listed in the video and you can see them in action.


In article 7 of the Best Buy Now blog, Pay Later Application covers the basic functionality. I hope that contributed to the decision to choose who. Let me know your opinion in the comments below and subscribe to the newsletter for future updates.

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