Best Shop Pay Apps

4.8😐(7.1M ratings)

Free

#5in Shopping

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.

What We Love

🚀 Tracking all packages in one place
📦 Automatic package tracking
🗺️ Live package location map
🔔 Delivery notifications
✨ Seamless user experience

Room to Improve

🕰️ Slow or delayed tracking updates
🤔 Confusing or missing package details
🔄 Duplicate tracking entries
🗺️ Inaccurate location mapping
🔒 Lack of customer support

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings

Strong Contender

4.9😞(1.7M ratings)

Free

#15in Shopping

Affirm: Buy now, pay over time screenshot 1

Affirm: Buy now, pay over time screenshot 2

Affirm: Buy now, pay over time screenshot 3

Affirm: Buy now, pay over time screenshot 4

Affirm: Buy now, pay over time screenshot 5

Affirm: Buy now, pay over time screenshot 6

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.

What We Love

🙏 Helpful in tough times
💳 Convenient financing option
📈 Improved credit score

Room to Improve

🤔 Confusing payment process
🔒 Security and privacy concerns
🔍 Difficulty verifying identity
🚫 Unexpected account closures
💰 High interest rates

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.

Worth Considering

Klarna: Smarter everyday money

4.9😐(753K ratings)

Free

#32in Shopping

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

🚀 Convenient payment plan
💳 No interest or hidden fees
🤝 Good customer service (initially)
📈 Increasing credit limit with usage
🛒 Wide range of participating stores
🕰️ Flexible payment scheduling
💰 Helps with budgeting and affordability

Room to Improve

🐛 App/website technical issues
🔒 Security and privacy concerns
🤖 Lack of human customer support
🔽 Drastic credit limit reductions
🚫 Accounts closed/banned for minor issues
💳 Incompatibility with certain payment methods
🕰️ Automatic payments causing overdraft issues

More Shop Pay apps to explore

Cashback, payments, savings

Flexible payment optionsInterest-free installmentsUp to 10% cashback

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.

(2.4M)

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards

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.

(858K)

Sezzle: Buy Now, Pay Later

Pay Over Time & Earn Rewards

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees

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.

(301K)

Four | Buy Now, Pay Later

Flexible Shopping & Payments

Split purchases into 4 paymentsPay every two weeksManage orders in one app

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.

Pay in up to 24, No late fees

(117K)

freemium

Tamara | Own your Dream

Pay in installments or in fullSign up in minutesShop at thousands of partners

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.

(59K)

Debit card, rewards, pay later

PayPal - Pay, Send, Save

Send and receive money globallyEarn cash back offersRequest a debit card

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.

(6.3M)

Perpay - Shop and Build Credit

Shop, pay later, build credit

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees

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.

(16K)

PayLater: Split Your Payments

Relax, PayLater

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions

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.

(292)

Tabby: Send, spend and save

Take power over money

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals

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.

(85K)

Shop in up to 12 installments

ZOOD: Buy Now, Pay Later

Buy now, pay laterUp to 12 installmentsFlexible payment plans

Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

(1.3K)

Katapult | Shop & Lease to Own

Browse, shop, lease, and own.

Lease-to-own purchasesNo credit requiredFlexible payment options

Shop now and pay over time with a lease-to-own option that doesn't require credit. Browse over 100 retailers, manage your leases, and make payments easily through the app. Take home essential items without paying upfront.

(28K)

Discover Mobile

Banking and Finance

Account balance and transaction viewingPayment management and schedulingRewards redemption

Manage your Discover credit card and bank accounts securely from anywhere. Check balances, view transactions, make payments, redeem rewards, and deposit checks. Access your FICO score and freeze your account for added security.

(5.2M)

Shopify: Sell online/in person

Your mobile ecommerce platform

AI-powered business managementProduct management with AI toolsOrder processing and fulfillment

This AI-powered platform allows you to start, manage, and grow an online or in-person business from your mobile device. It offers tools for product management, order processing, marketing, and customer relationship management, with no coding required.

💼 Business

(41K)

Buy now pay later for bills

Deferit: Pay bills in 4

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history

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.

(34K)

Sam's Club Shopping & Delivery

Save on Grocery, Gas & More

Scan & Go™ shoppingGrocery deliveryCurbside pickup

Shop for groceries, gas, and more with this membership-based app. Skip checkout lines, get groceries delivered, or pick them up curbside. Manage prescriptions and schedule health appointments.

(5.4M)

Etsy: Shop from Real People

Online Marketplace for Special

Global marketplace for original itemsPersonalized jewelry and custom home decorVintage treasures and trending style pieces

Discover unique, handmade, and vintage items from a global marketplace. Find personalized gifts, home decor, fashion, and art. Connect with sellers, track orders, and save on one-of-a-kind finds.

(7.3M)

Get paid. No monthly fee.

Beeline - Get paid now

Instant payment linksNo monthly feesTransaction-based fees only

This app allows solo service providers to get paid instantly after completing a job. Simply describe the service, send a payment link, and receive funds without needing to create invoices or wait for checks. It's designed for independent professionals who need a quick and secure way to manage payments.

(2)