Best Payment App Split

250+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated September 2026

Four | Buy Now, Pay Later is the household name in payment app split, but it's far from the only option. We track 250+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Payment App Split (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (120K)NoNoOct 2026
2Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (35K)YesNoOct 2026
3Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (868K)NoNoOct 2026
4CirclePay - Buy Now Pay LaterCirclePay - Buy Now Pay LaterFree3.0★ (2)NoNoAug 2026
5Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (303K)NoNoOct 2026
6PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (298)NoNoSep 2026
7Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026
8tricount: Split & Settle Billstricount: Split & Settle BillsFree4.9★ (6.5K)NoNoOct 2026

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
🛍️ Shopping
4.8😞(120K ratings)
Free
#44in Shopping
Four | Buy Now, Pay Later screenshot 1
Four | Buy Now, Pay Later screenshot 2
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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
Deferit: Pay bills in 4#2

Deferit: Pay bills in 4 by deferit Pty Ltd

Buy now pay later for bills
Strong Contender
💰 Finance
4.8😊(35K ratings)
FreeAds
Deferit: Pay bills in 4 screenshot 1
Deferit: Pay bills in 4 screenshot 2
Deferit: Pay bills in 4 screenshot 3
Deferit: Pay bills in 4 screenshot 4
Deferit: Pay bills in 4 screenshot 5
Deferit: Pay bills in 4 screenshot 6

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.

What We Love

  • 💳 Helpful for paying bills in installments
  • ⏱️ Fast bill payment processing
  • 📆 Ability to change payment due dates
  • 🤝 Friendly and responsive customer service
  • 🧭 Convenient all-in-one bill management
  • 🆙 Increasing credit limits over time

Room to Improve

  • 🕰️ Delayed bill payments due to high volume
  • 🤖 Lack of phone/live chat support
  • 💰 Subscription fees and processing fees
  • 🚫 Issues with canceling or stopping payments
  • 🤔 Unclear payment methods (online vs. check)
Zip - Buy Now, Pay Later#3

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

Shop Now & Pay Over Time
Worth Considering
💰 Finance
4.9😊(868K ratings)
Free
#48in 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

More Payment App Split apps to explore

FAQ about Payment App Split

What is the best payment app split for iPhone?
Four | Buy Now, Pay Later tops our payment app split ranking as of September 2026, with a 4.8-star average from 120K App Store ratings, and it's free to download.
Yes — 20 of the top payment app split we rank are free to download, including Four | Buy Now, Pay Later and Deferit: Pay bills in 4.
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 250+ payment app split on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.