Best Payment App Plan

249+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated September 2026

The best payment app plan on iPhone average 4.8โ˜… across 249+ titles โ€” we've ranked them by what real users actually keep on their phones. Updated September 2026.

Compare top Payment App Plan (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8โ˜… (120K)NoNoSep 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9โ˜… (753K)NoNoSep 2026
3Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9โ˜… (2.4M)YesNoSep 2026
4Tamara | Own your DreamTamara | Own your DreamFree4.7โ˜… (59K)NoNoSep 2026
5Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9โ˜… (1.7M)NoNoSep 2026
6PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5โ˜… (298)NoNoSep 2026
7Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9โ˜… (868K)NoNoSep 2026
8Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9โ˜… (21K)NoNoSep 2026

Top Picks for Payment App Plan

Four | Buy Now, Pay Later#1
4.8๐Ÿ˜ž(120K ratings)
Free
#40in 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

  • ๐Ÿ’ณ Convenient payment option
  • ๐Ÿ›’ Wide variety of stores
  • ๐Ÿค‘ Affordable payment plans
  • ๐Ÿ“ˆ Increasing spending limits
  • ๐Ÿคฉ Great app experience

Room to Improve

  • ๐Ÿค– Poor customer service
  • โŒ Declined/canceled orders
  • ๐Ÿ’ฐ Unauthorized charges
  • ๐Ÿ•ฐ๏ธ Slow refund processing
  • ๐Ÿ”’ Account/login issues
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
4.9๐Ÿ˜(753K ratings)
Free
#35in 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

  • ๐Ÿš€ Convenient payment plan
  • ๐Ÿ’ณ No interest or hidden fees
  • ๐Ÿค Good customer service (initially)
  • ๐Ÿ“ˆ Increasing credit limit with usage
  • ๐Ÿ›’ Wide range of participating stores
  • ๐Ÿ•ฐ๏ธ Flexible payment scheduling
  • ๐Ÿ’ฐ Helps with budgeting and affordability

Room to Improve

  • ๐Ÿ› App/website technical issues
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿค– Lack of human customer support
  • ๐Ÿ”ฝ Drastic credit limit reductions
  • ๐Ÿšซ Accounts closed/banned for minor issues
  • ๐Ÿ’ณ Incompatibility with certain payment methods
  • ๐Ÿ•ฐ๏ธ Automatic payments causing overdraft issues
Klarna: Smarter everyday money#3

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Worth Considering
๐Ÿ’ฐ Finance
4.9๐Ÿ˜ž(2.4M ratings)
FreeAds
#11in Finance
Klarna: Smarter everyday money screenshot 1
Klarna: Smarter everyday money screenshot 2
Klarna: Smarter everyday money screenshot 3
Klarna: Smarter everyday money screenshot 4
Klarna: Smarter everyday money screenshot 5
Klarna: Smarter everyday money screenshot 6

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.

What We Love

  • ๐Ÿ’ณ Easy payment process
  • ๐Ÿ“ฆ Wide range of stores
  • ๐Ÿ•ฐ๏ธ Flexible payment plans
  • ๐Ÿ” Convenient for large purchases

Room to Improve

  • ๐Ÿšซ Inconsistent approval process
  • โš ๏ธ Lack of Apple Wallet integration
  • ๐Ÿค– Automated decision-making issues
  • ๐Ÿ•ฐ๏ธ Slow/delayed refund processing
  • ๐Ÿคฏ Poor customer service

More Payment App Plan apps to explore

FAQ about Payment App Plan

What is the best payment app plan for iPhone?
Four | Buy Now, Pay Later tops our payment app plan ranking as of September 2026, with a 4.8-star average from 120K App Store ratings, and it's free to download.
Yes โ€” 20 of the top payment app plan we rank are free to download, including Four | Buy Now, Pay Later and Afterpay: Pay over time.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 249+ payment app plan on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.