Best Zip Payment Apps

225+ iOS apps curated and reviewed

4.7 avg rating
19 free apps
Updated May 2026

Finding the right zip payment apps can be overwhelming with so many options. We've analyzed 225+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Zip Payment Apps (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (884K)NoNoNov 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoNov 2026
3Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (309K)NoNoNov 2026
4Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.5M)YesNoNov 2026
5Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (125K)NoNoNov 2026
6Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.9M)NoNoNov 2026
7Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (25K)NoNoNov 2026
8PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.4★ (318)NoNoNov 2026

Top Picks for Zip Payment

Zip - Buy Now, Pay Later#1

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

Shop Now & Pay Over Time
Editor's Choice
💰 Finance
4.9😊(884K ratings)
Free
#42in 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 flexible installments for everyday expenses, bills, and larger buys. Shop online or in-store using a virtual card, with no hard credit checks impacting your score. Manage payments and reschedule installments for greater flexibility.

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
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Strong Contender
🛍️ Shopping
4.9😐(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 payments over time. Access exclusive deals and manage your purchases with flexible payment options. Get what you want now and pay later with convenient installment plans.

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
Sezzle: Buy Now, Pay Later#3

Sezzle: Buy Now, Pay Later by Sezzle

Pay Over Time & Earn Rewards
Worth Considering
🛍️ Shopping
4.9😞(309K ratings)
Free
#42in Shopping
Sezzle: Buy Now, Pay Later screenshot 1
Sezzle: Buy Now, Pay Later screenshot 2
Sezzle: Buy Now, Pay Later screenshot 3
Sezzle: Buy Now, Pay Later screenshot 4
Sezzle: Buy Now, Pay Later screenshot 5
Sezzle: Buy Now, Pay Later screenshot 6

Shop now and pay later with flexible, interest-free installment plans. Build credit, earn rewards, and access cash advances and mobile plans all in one app.

What We Love

  • 🚀 Convenient payment option
  • 💳 Flexible payment plans
  • 🏪 Wide range of partner stores
  • 🆙 Increased spending limit with on-time payments
  • 📈 Helps build credit score

Room to Improve

  • 🤖 Poor customer service
  • 🔒 Concerns about security and fraud
  • 🔄 Issues with rescheduling payments
  • 💰 Unexpected fees and charges
  • 🔒 Restricted access to 'premium' stores
  • ⬇️ Decreased spending limits without explanation

More Zip Payment apps to explore

FAQ about Zip Payment

What are the best zip payment apps for iPhone?
Zip - Buy Now, Pay Later tops our zip payment apps ranking as of May 2026, with a 4.9-star average from 884K App Store ratings, and it's free to download.
Yes — 19 of the top zip payment apps we rank are free to download, including Zip - Buy Now, Pay Later and Afterpay: Pay over time.
Zip - Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 225+ zip payment apps on the iOS App Store as of May 2026, ranked by rating, recency, and analysis of real user reviews.