Best Payment App Split

224+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated May 2026

Four | Buy Now, Pay Later is the household name in payment app split, but it's far from the only option. We track 224+ alternatives and competitors on iOS β€” many free, many higher-rated than you'd expect.

Top Picks for Payment App Split

Four | Buy Now, Pay Later#1

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

Flexible Shopping & Payments
Editor's Choice
πŸ›οΈ Shopping
4.8😞(109K ratings)
Free
#67in 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

  • πŸ’³ Convenient payment option
  • πŸ›’ Wide variety of stores
  • πŸ€‘ Affordable payment plans
  • πŸ“ˆ Increasing spending limits

Room to Improve

  • πŸ€– Poor customer service
  • ❌ Declined/canceled orders
  • πŸ’° Unauthorized charges
Tabby: Pay over time#2

Tabby: Pay over time by Tabby FZ LLC

Pay in 4. No hidden fees
Strong Contender
πŸ’° Finance
4.8😞(83K ratings)
Free
Tabby: Pay over time screenshot 1
Tabby: Pay over time screenshot 2
Tabby: Pay over time screenshot 3
Tabby: Pay over time screenshot 4
Tabby: Pay over time screenshot 5
Tabby: Pay over time 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

  • πŸ’‘ Convenient installment payments
  • πŸ‘ Easy to use app
  • πŸš€ Smooth and efficient service
  • πŸ€‘ Helps manage budget and afford purchases

Room to Improve

  • πŸ› Unclear purchasing power and lack of transparency
  • πŸ€·β€β™€οΈ Uninformed and unhelpful customer support
  • 🚫 Risk of permanent ban for failed purchases
PayLater - Split in 4 payments#3

PayLater - Split in 4 payments by PAY LATER WEBSITE SERVICES WLL

The Only Way to Split Pay
Worth Considering
πŸ’° Finance
3.6😞(261 ratings)
Free
PayLater - Split in 4 payments screenshot 1
PayLater - Split in 4 payments screenshot 2
PayLater - Split in 4 payments screenshot 3
PayLater - Split in 4 payments screenshot 4
PayLater - Split in 4 payments screenshot 5
PayLater - Split in 4 payments screenshot 6

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.

What We Love

  • πŸ‘ Trusted
  • πŸ‘ Great experience

Room to Improve

  • πŸ’‘ No Arabic language support
  • πŸ’‘ Low spending limit
  • πŸ› Debit card not supported

More Payment App Split apps to explore

4
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ΒΉ
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
πŸ›οΈ Shopping
(831K)
free with in-app purchases
5
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history
πŸ’° Finance
(29K)
free with in-app purchases
6
Splitwise
Splitwise
Splitwise
Split expenses with friends
Free

Easily track shared expenses with friends and family, eliminating the stress of who owes whom. Organize group bills for households, trips, and more with a simple, intuitive interface. Supports multiple currencies and payment integrations.

Create groups or private friendshipsAdd expenses in any currencySimplify debts into repayment plans
πŸ’° Finance
(26K)
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
πŸ›οΈ Shopping
(752K)
free with in-app purchases
8
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4ΒΉ
Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
πŸ›οΈ Shopping
(292K)
free with in-app purchases
9
tricount: Split & Settle Bills
tricount: Split & Settle Bills
tricount: Split & Settle Bills
Bill Splitter & Track Expenses
Free

Easily split bills and track shared expenses with friends, roommates, or partners. Manage group costs for trips, rent, or dinners with real-time overviews and instant payment requests. Stay organized and settle up fairly, even with uneven amounts or multiple currencies.

Free and unlimited expense trackingFairly split even uneven amountsManage group expenses for trips, rent, and more
πŸ’° Finance
(7K)
ad-supported
10
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
πŸ›οΈ Shopping
(1.7M)
free with in-app purchases
11
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

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.

Pay in installments or in fullSign up in minutesShop at thousands of partners
πŸ’° Finance
(59K)
free
12
Livble - Split your rent
Livble - Split your rent
Livble - Split your rent
Pay rent on your own schedule
Free

This app allows users to pay their rent in flexible installments throughout the month. It offers a convenient way to manage rent payments on your own schedule.

Pay rent in installmentsFlexible payment schedulesManage rent payments
πŸ’° Finance
(1.9K)
free
13
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
πŸ’° Finance
(11K)
free with in-app purchases
14
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
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
πŸ’° Finance
(2.3M)
free with in-app purchases
15
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, 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
πŸ’° Finance
(6.3M)
free with in-app purchases
16
Split Pay
Split Pay
Split Pay
Split Better, Save More
Free

Effortlessly divide group bills by snapping a photo of your check, matching items with friends, and settling up instantly. This app helps you save money by keeping your budget on track during group outings.

Photo bill scanningAutomatic item detectionTip and tax allocation
πŸ” Food & Drink
(22)
free
17
Split – Pay Together
Split – Pay Together
Split – Pay Together
Split bills with friends
Free

Easily divide expenses with friends and track shared costs. This app simplifies group payments for everything from rent to vacations, allowing guests to pay via various methods even without the app. It automates reminders and provides transparent totals for stress-free financial management.

Split bills with friendsTrack shared expensesCollect payments instantly
πŸ’° Finance
(158)
free
18
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Pay rent on your own schedule
Free

This app allows renters to split their monthly rent into smaller, manageable payments. It facilitates on-time rent payments, helps build credit history, and offers a flexible repayment schedule.

Split rent into smaller paymentsPay rent on your own scheduleBuild credit history
πŸ’° Finance
(427K)
free with in-app purchases
19
Split Pay: Rent, Mortgage, Car
Split Pay: Rent, Mortgage, Car
Split Pay: Rent, Mortgage, Car
Pay rent on your schedule
Free

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

Split rent into two paymentsBuild credit historyImprove budgeting
πŸ’° Finance
(11K)
free
20
BILL AP & AR Business Payments
BILL AP & AR Business Payments
BILL AP & AR Business Payments
Pay bills and get paid online
Free

This app streamlines business payments and receivables, automating accounts payable and receivable processes. It offers flexible payment options and real-time tracking, saving time and improving cash flow.

Automate AP and ARMultiple payment options (ACH, wires, virtual card, credit card, check)Real-time payment tracking and notifications
πŸ’Ό Business
(49K)
free