Best Pay Later Business Apps

224+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated May 2026

From beginner-friendly picks to power-user tools, our pay later business list covers 224+ iPhone apps updated through May 2026. Compare ratings, prices, and screenshots in one place.

Top Picks for Pay Later Business

Zip - Buy Now, Pay Later#1

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

Shop & Pay in 4¹
Editor's Choice
🛍️ Shopping
4.9😊(823K ratings)
FreeAds
#54in Shopping
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

Shop now and pay later with Zip! Enjoy the convenience of making purchases without upfront payments. Experience hassle-free shopping today.

What We Love

  • 💳 Convenient payment option
  • 🤑 Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🤝 Helpful customer service

Room to Improve

  • 🐛 Unreliable app performance
  • 🤔 Unclear refund/return policies
  • 🤷‍♀️ Inconsistent customer support
JIM: Tap to Pay & Payment Link#2

JIM: Tap to Pay & Payment Link by CloudWalk, Inc.

Sell & Get Paid Now
Strong Contender
💰 Finance
4.7😞(7.9K ratings)
FreeAds
JIM: Tap to Pay & Payment Link screenshot 1
JIM: Tap to Pay & Payment Link screenshot 2
JIM: Tap to Pay & Payment Link screenshot 3
JIM: Tap to Pay & Payment Link screenshot 4
JIM: Tap to Pay & Payment Link screenshot 5

This revolutionary app, designed for business owners, allows you to sell anywhere and get paid instantly with just your iPhone. Accept contactless payments, access your money instantly, and leverage AI tools for sales insights and recommendations. Start accepting instant payments and supercharge your business growth today!

What We Love

  • 🦄 Unicorn features
  • 💳 Seamless Apple Pay integration
  • 💸 Great rates for freelancing

Room to Improve

  • 🚫 Terminated accounts without reason
  • 🤖 Limited functionality beyond talking to a robot
  • 💰 No way to withdraw funds after payment
Melio Business Payments#3

Melio Business Payments by Melio Payments Inc.

A simpler way to pay vendors
Worth Considering
💰 Finance
4.6😐(1.4K ratings)
Free
Melio Business Payments screenshot 1
Melio Business Payments screenshot 2
Melio Business Payments screenshot 3
Melio Business Payments screenshot 4
Melio Business Payments screenshot 5

This application simplifies vendor payments for small businesses with flexible payment options and tracking capabilities. It streamlines the payment process, saves time, and provides full payment control from your phone to improve cash flow.

What We Love

  • 🚀 Fast and reliable payments
  • 👍 User-friendly interface
  • 🔒 Secure transactions
  • 💡 Convenient mobile app

Room to Improve

  • 🐛 Unreliable customer support
  • 🔒 Strict account verification issues
  • 🐛 Payment failures with no explanation

More Pay Later Business apps to explore

4
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop fashion, beauty, and tech with the app that lets you buy now, pay later in four interest-free payments. Browse brands, products, discounts, and gift cards across various categories, manage orders, get price drop alerts, use in stores, and access customer support. Download now and enjoy the benefits of Afterpay!

🛍️ Shopping
(752K)
5
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4¹
Free

Shop clothing, beauty products, electronics, and more with flexible payment options through our app. Buy now and pay later in easy installments to make shopping convenient and affordable for you. Start shopping today and enjoy the freedom to pay at your own pace.

🛍️ Shopping
(290K)
6
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Unlock early access to your paycheck with our on-demand wage app! Seamlessly transfer funds when needed, enjoy zero hidden fees or interest payments, and experience around-the-clock support. Join now for financial freedom and make everyday payday! Call us at (424) 369-7246 or visit Rainapp.com to learn more.

💼 Business
(40K)
7
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

Discover new and trending fashion items from top brands curated just for you. Get personalized recommendations based on your style preferences and shop the latest trends effortlessly. Update your wardrobe with ease!

💰 Finance
(59K)
8
Tabby: Pay over time
Tabby: Pay over time
Tabby: Pay over time
Pay in 4. No hidden fees
Free

Shop at your favorite brands and split purchases into 4 interest-free payments with Tabby. Track payments, get discounts, and explore thousands of products and brands. Take control of your spending with Tabby's convenient features and 24/7 chat support.

💰 Finance
(82K)
9
deema | Live Now, Pay Later
deema | Live Now, Pay Later
deema | Live Now, Pay Later
by DEEMA COMPANY FOR COMPUTER PROGRAMMING ACTIVITIES WLL
Free

This Kuwaiti payment service allows users to shop with ease and confidence by making payments simpler through installment plans. New users can register with a valid Kuwaiti Civil ID and mobile number to start enjoying the benefits of paying later.

💼 Business
(35)
10
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
Savings, cash back, pay later
Free

An all-in-one app for sending money, managing your account, earning cash back, and growing your savings with high-yield options. Easily send money for free, get cash back on purchases, and manage your finances all in one place. Check it out now for a simple and secure way to stay on top of your financial transactions!

💰 Finance
(190K)
11
BILL AP & AR Business Payments
BILL AP & AR Business Payments
BILL AP & AR Business Payments
Pay bills and get paid online
Free

A convenient app that helps users manage and track their bills, set reminders, and organize payments easily. Stay on top of your finances effortlessly with our user-friendly interface. Download now to simplify your bill management!

💼 Business
(49K)
12
PayPal Business
PayPal Business
PayPal Business
Track sales and Send invoices
Free

Track sales, send invoices, and manage money easily with this comprehensive business app. Create and send invoices, manage sales, transfer money, and access customer information all in one place. Simplify your business management tasks on-the-go with this essential app.

💼 Business
(29K)
13
Snap Finance
Snap Finance
Snap Finance
No credit? Shop now, pay later
Free

Snap Finance allows you to manage your lease-to-own agreement conveniently from your mobile device. Log in effortlessly with Face ID, access payment details, view transactions, make payments, and explore ownership options. If you're not a Snap customer, shop at partner stores with lease-to-own financing available up to $5,000. Download the app now for easy and flexible financial management.

🛍️ Shopping
(22K)
14
Payoneer - Business Payments
Payoneer - Business Payments
Payoneer - Business Payments
by Payoneer Inc
Free

Payoneer enables businesses to streamline global commerce by facilitating cross-border payments. With features like receiving payments worldwide, making international transactions, tracking payments, and accessing multilingual customer support, Payoneer empowers professionals to expand their business globally. Join millions of users already benefiting from Payoneer's services by downloading the app now and taking your business beyond.

💰 Finance
(5.2K)
15
Tamara Business
Tamara Business
Tamara Business
Instant BNPL orders management
Free

This application helps businesses offer flexible, Sharia-compliant payment options, allowing customers to split payments into up to 12 installments with no late fees. It enables merchants to manage orders, transactions, and disputes, while providing a seamless payment experience for customers online and in-store.

💼 Business
(198)
16
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

Shop stress-free with the Affirm app: pay over time at any store, access exclusive deals with low rates, manage your account and payments, and open a high-yield Money Account. Use the Affirm Card online or in-person, request payment plans, link your bank account, and shop easily with flexible payment options.

🛍️ Shopping
(1.7M)
17
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Get secure, on-the-go access to all your accounts with the rapid! Pay app. Manage your rapid! PayCard, view balances, transfer funds, and access earnings instantly. Experience cash back rewards, bill payment, personalized cards, and more.

💰 Finance
(179K)
18
Kuda Business
Kuda Business
Kuda Business
Kuda Business Banking App
Free

Kuda Business is an all-in-one business management app for freelancers and SMEs, offering features like estimates, invoices, bulk transfers, bill payments, and team finance management. Simplify your business operations, accept payments on the go, and track your finances seamlessly. Join now, download the app, and optimize your business with Kuda Business.

💰 Finance
(961)
19
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
UPI, Recharge & Pay Bills
Free

A secure mobile app for easy BHIM UPI payments and mobile recharges. Conveniently send money, pay bills, and recharge your mobile phone with peace of mind. Simplify your transactions today!

💰 Finance
(39K)
20
Payactiv
Payactiv
Payactiv
On-demand pay and beyond
Free

Access your earnings early, manage spending, savings, and get discounts effortlessly with our app. Enjoy early access to your paycheck, instant mobile payments, smart spending insights, and grow your savings with real-time advice. Experience convenient and secure banking without hidden fees. Join us at www.payactiv.com.

💰 Finance
(77K)