Best Pay In 4 In Store Apps

222+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

With an average user rating of 4.6★, the pay in 4 in store category is one of the App Store's strongest. Browse all 222+ apps we track, sorted so the most loved ones surface first.

Compare top Pay In 4 In Store Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoAug 2026
2Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (84K)NoNoAug 2026
3Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (112K)NoNoAug 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (846K)NoNoAug 2026
5Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoAug 2026
6Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoAug 2026
7Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
8PayLater - Split in 4 paymentsPayLater - Split in 4 paymentsFree3.5★ (271)NoNoAug 2026

Top Picks for Pay In 4 In Store

Tamara | Own your Dream#1

Tamara | Own your Dream by Tamara FZE

Pay in up to 24, No late fees
Editor's Choice
💰 Finance
4.7😞(59K ratings)
Free
Tamara | Own your Dream screenshot 1
Tamara | Own your Dream screenshot 2
Tamara | Own your Dream screenshot 3
Tamara | Own your Dream screenshot 4

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

What We Love

  • 👍 Easy to use
  • 💡 Helpful payment splitting
  • 🚀 Smooth and fast transactions
  • 🙏 Excellent customer service

Room to Improve

  • 🐛 Unreliable payment processing
  • 🤬 Terrible customer support
  • ❌ Unauthorized charges
Tabby: Send, spend and save#2

Tabby: Send, spend and save by Tabby FZ LLC

Take power over money
Strong Contender
💰 Finance
4.8😞(84K ratings)
Free
Tabby: Send, spend and save screenshot 1
Tabby: Send, spend and save screenshot 2
Tabby: Send, spend and save screenshot 3
Tabby: Send, spend and save screenshot 4
Tabby: Send, spend and save screenshot 5
Tabby: Send, spend and save screenshot 6

Shop now and pay later with flexible four-month installments. Discover top brands, compare prices, and find nearby stores. Manage payments, track purchases, and get 24/7 customer support.

What We Love

  • 💡 Convenient installment payments
  • 👍 Easy to use app
  • 🚀 Smooth and efficient service
  • 🤑 Helps manage budget and afford purchases

Room to Improve

  • 🐛 Unclear purchasing power and lack of transparency
  • 🤷‍♀️ Uninformed and unhelpful customer support
  • 🚫 Risk of permanent ban for failed purchases
Four | Buy Now, Pay Later#3

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

Flexible Shopping & Payments
Worth Considering
🛍️ Shopping
4.8😞(112K ratings)
Free
#64in 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

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges

More Pay In 4 In Store apps to explore

4
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
Free

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.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
🛍️ Shopping
(846K)
free with in-app purchases
5
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
💰 Finance
(2.3M)
free with in-app purchases
6
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
🛍️ Shopping
(1.7M)
free with in-app purchases
7
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

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.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
🛍️ Shopping
(752K)
free with in-app purchases
8
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
💰 Finance
(271)
free
9
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, savings, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases
10
Shop: All your favorite brands
Shop: All your favorite brands
Shop: All your favorite brands
Shopping app & package tracker
Free

Discover and shop from your favorite brands and local stores, receiving alerts for deals and new arrivals. Organize wishlists, track all your orders in one place, and enjoy a seamless one-tap checkout experience.

Shop favorite brands and local storesPrice drop and restock alertsSave and organize items into collections
🛍️ Shopping
(7.1M)
ad-supported
11
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts
💰 Finance
(186K)
free
12
WooCommerce: Store & POS
WooCommerce: Store & POS
WooCommerce: Store & POS
All-in-one mobile ecommerce
Free

Manage your online and in-person store from your mobile device. Add products, create orders, accept payments, and track sales in real time. Turn your tablet into a point-of-sale system and receive instant notifications for every sale.

Add and edit productsCreate orders on the goAccept in-person payments
💼 Business
(7.6K)
free with in-app purchases
13
Shopify Point of Sale (POS)
Shopify Point of Sale (POS)
Shopify Point of Sale (POS)
Unify in-person & online sales
Free

This app unifies your online and in-person sales, helping you manage inventory, track performance, and build customer relationships. It offers seamless checkout, flexible fulfillment options like local pickup and delivery, and tools to streamline store operations.

Accept all major payment methodsManage inventory across online and in-storeProcess local pickup and delivery orders
💼 Business
(7.5K)
free
14
Dash In Rewards
Dash In Rewards
Dash In Rewards
Save on Fuel, Food & Car Wash
Free

This app offers immediate savings on fuel, food, and car washes at participating locations. Earn points on every purchase to redeem for further discounts and enjoy exclusive member offers. Mobile ordering and in-app payment streamline your experience.

Save on fuel instantlyEarn points on purchasesRedeem points for discounts
🍔 Food & Drink
(3.1K)
free with in-app purchases
15
DODuae Women's Online Shopping
DODuae Women's Online Shopping
DODuae Women's Online Shopping
Online shopping store in UAE
Free

This online shopping platform offers a wide variety of fashion, home goods, and accessories at competitive prices in the UAE. Enjoy fast delivery, multiple payment options including Cash on Delivery, and dedicated customer support.

Wide product selectionCompetitive pricingFast delivery (next day possible)
🛍️ Shopping
(890)
free with in-app purchases
16
Payanywhere: Point of Sale POS
Payanywhere: Point of Sale POS
Payanywhere: Point of Sale POS
Credit Card Reader & Payment
Free

This app is a comprehensive point-of-sale system for businesses. It allows you to accept various payment types, manage inventory, track sales, and send invoices directly from your device. Optional hardware can enhance its functionality for different business needs.

Accept contactless, chip, and magstripe paymentsTrack cash and gift card salesCreate and send invoices
💼 Business
(653)
free with in-app purchases
17
Xpress Bill Pay
Xpress Bill Pay
Xpress Bill Pay
The trusted way to pay
Free

This app allows users to pay bills quickly and securely through partnerships with local city and billing organizations. It simplifies the payment process by letting you select your provider, look up your account, and set up auto-pay. Receive real-time alerts and pay using various methods.

Quick and secure bill paymentsPartnerships with local billing organizationsAuto-pay functionality
💰 Finance
(26K)
free
18
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
Benefit for Eligible Employees
Free

Access your earned wages instantly, any day of the week, to avoid late fees and payday loans. This app offers financial wellness tools like overdraft prediction and educational resources. It also provides options for increased spending power on gift cards for essentials.

Instant wage accessAvoid payday loansOverdraft prediction
💰 Finance
(39K)
free with in-app purchases
19
Lucy in the Sky Store
Lucy in the Sky Store
Lucy in the Sky Store
Styles Designed in Los Angeles
Free

Discover real-time outfit inspiration and shop the latest fashion drops. Find the perfect dress for any occasion, from everyday wear to standout moments. This app offers a curated selection of stylish fits and closet goals.

Real-time outfit inspirationShop latest fashion dropsFind dresses for any occasion
🛍️ Shopping
(4.6K)
ad-supported
20
محلي | Mahally
محلي | Mahally
محلي | Mahally
Saudi stores in one go
Free

Discover and shop from over 30,000 local Saudi stores in a single app. Search for millions of products and services, from fashion to electronics, with personalized content and secure payment options. Enjoy fast shipping and easy order tracking for a convenient shopping experience.

Search local Saudi storesShop millions of productsPersonalized shopping experience
🛍️ Shopping
(5.7K)
free with in-app purchases

FAQ about Pay In 4 In Store

What are the best pay in 4 in store apps for iPhone?
Tamara | Own your Dream tops our pay in 4 in store apps ranking as of July 2026, with a 4.7-star average from 59K App Store ratings, and it's free to download.
Yes — 20 of the top pay in 4 in store apps we rank are free to download, including Tamara | Own your Dream and Tabby: Send, spend and save.
Tamara | Own your Dream has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 222+ pay in 4 in store apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Tamara is a financial super-app that provides users with flexible payment options for their purchases. It allows you to shop now and pay later, either by splitting your payment into installments or paying in full. The app aims to give users more control over their finances and their shopping experience.
You can choose to pay for your purchases in installments, with options to split payments into 4 or more. This feature is available at thousands of partner stores, both online and in-store. The app emphasizes no late fees, ever, making it a predictable way to manage your spending.