Best 4 Way Pay Apps

249+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated October 2026

Out of 249+ 4 way pay apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top 4 Way Pay Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (121K)NoNoOct 2026
2Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (872K)NoNoOct 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026
4Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (304K)NoNoOct 2026
5PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (304)NoNoOct 2026
6Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (22K)NoNoOct 2026
7Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.8M)NoNoOct 2026
8Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoOct 2026

Top Picks for 4 Way Pay

Four | Buy Now, Pay Later#1

Four | Buy Now, Pay Later by Four Technologies, Inc

Flexible Shopping & Payments
Editor's Choice
🛍️ Shopping
4.8😞(121K ratings)
Free
#50in Shopping
Four | Buy Now, Pay Later screenshot 1
Four | Buy Now, Pay Later screenshot 2
Four | Buy Now, Pay Later screenshot 3
Four | Buy Now, Pay Later screenshot 4
Four | Buy Now, Pay Later screenshot 5

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

What We Love

  • 💳 Convenient payment option
  • 🛒 Wide variety of stores
  • 🤑 Affordable payment plans
  • 📈 Increasing spending limits
  • 🤩 Great app experience

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges
  • 🕰️ Slow refund processing
  • 🔒 Account/login issues
Zip - Buy Now, Pay Later#2

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop Now & Pay Over Time
Strong Contender
💰 Finance
4.9😊(872K ratings)
Free
#43in Finance
Zip - Buy Now, Pay Later screenshot 1
Zip - Buy Now, Pay Later screenshot 2
Zip - Buy Now, Pay Later screenshot 3
Zip - Buy Now, Pay Later screenshot 4
Zip - Buy Now, Pay Later screenshot 5
Zip - Buy Now, Pay Later screenshot 6

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

What We Love

  • 💳 Convenient payment option
  • 🤑 Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🤝 Helpful customer service
  • 🆙 Increasing credit limits
  • 🏪 Wide range of merchant partners

Room to Improve

  • 🐛 Unreliable app performance
  • 🤔 Unclear refund/return policies
  • 🤷‍♀️ Inconsistent customer support
  • 🔒 Security/account issues
  • 💰 Unexpected fees/charges
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Worth Considering
🛍️ Shopping
4.9😐(753K ratings)
Free
#32in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

What We Love

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage
  • 🛒 Wide range of participating stores
  • 🕰️ Flexible payment scheduling
  • 💰 Helps with budgeting and affordability

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
  • 🔽 Drastic credit limit reductions
  • 🚫 Accounts closed/banned for minor issues
  • 💳 Incompatibility with certain payment methods
  • 🕰️ Automatic payments causing overdraft issues

More 4 Way Pay apps to explore

FAQ about 4 Way Pay

What are the best 4 way pay apps for iPhone?
Four | Buy Now, Pay Later tops our 4 way pay apps ranking as of October 2026, with a 4.8-star average from 121K App Store ratings, and it's free to download.
Yes — 20 of the top 4 way pay apps we rank are free to download, including Four | Buy Now, Pay Later and Zip - Buy Now, Pay Later.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 249+ 4 way pay apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.