Best Buy Now Pay Later (BNPL) — B2C Payments Companies

Klarna specializes in providing payment solutions and services within the e-commerce sector. The company offers a platform for online shopping that includes price comparisons, deals, and various payment options to facilitate purchases for consumers. Klarna primarily serves the e-commerce industry by enabling a seamless shopping experience through its payment and financing services. It was founded in 2005 and is based in Stockholm, Sweden.

PayPal operates as a financial technology company. It specializes in digital payment solutions. The company offers a range of services including digital wallets, money management, peer-to-peer transfers, merchant payment processing, and credit products. PayPal caters to individual consumers, small businesses, and large enterprises with tailored payment and financial services. PayPal was formerly known as X.Com. It was founded in 1998 and is based in San Jose, California.

Affirm provides Buy Now, Pay Later (BNPL) services. It allows consumers to purchase goods and services through its website and pay for them in installments over some time. It primarily serves the electronic commerce industry. Affirm was formerly known as The Expedite Service. The company was founded in 2012 and is based in San Francisco, California.

Afterpay operates as a financial technology company. It allows users to maintain financial wellness and control by splitting payments. It offers payment in interest-free installments and rewards enabling retailers to provide a customized shopping experience to their customers. The company was founded in 2014 and is based in Melbourne, Australia. In February 2022, Afterpay was acquired by Block at a valuation of $29B.

Synchrony specializes in consumer financing solutions and is an issuer of retail credit cards. The company offers a range of products including promotional financing, healthcare financing, savings accounts, money market accounts, and certificates of deposit. Synchrony provides payment options and credit card rewards, catering to both individual consumers and businesses with financing tools and savings products. Synchrony was formerly known as GE Capital Retail Finance. It was founded in 1932 and is based in Stamford, Connecticut.

Atome specializes in 'buy now, pay later' services. The company enables customers to split their purchases into three interest-free payments, providing greater financial access and flexibility across a network of online and offline retailers. Atome's services cater to a diverse range of sectors including fashion, beauty, electronics, and home decor. It was founded in 2019 and is based in Singapore.

Amount develops digital banking and financial technology solutions. The company offers a suite of products and services that enable financial institutions to provide mobile banking experiences, including swift loan approval, automated account origination, and flexible payment solutions. Its primary customers are financial institutions and their merchant partners. It was founded in 2014 and is based in Chicago, Illinois.

Kueski is an online consumer lender in the financial services sector, focusing on providing credit solutions to users who may not have access to traditional bank loans. The company offers personal loans with a quick and secure online application process, as well as a digital payment method, Kueski Pay, which allows customers to make credit purchases online or in-store without a credit card. Kueski also provides financial education resources to help users manage their finances effectively. It was founded in 2012 and is based in Jalisco, Mexico.

Scalapay is a financial technology company offering a buy-now-pay-later service that enables customers to make purchases and defer payments through interest-free installments. The company's main service allows consumers to receive their orders immediately while splitting the payment into three monthly installments without interest, which is facilitated through both online and in-store transactions. Scalapay primarily serves the ecommerce industry, as well as brick-and-mortar retailers, by providing a payment solution that aims to increase basket size and conversion rates for merchants. It was founded in 2019 and is based in Milan, Italy.

Sunbit serves as a financial technology company operating in the credit and lending industry. Its main service is providing a pay-over-time technology that allows customers to spread the cost of everyday needs such as auto repairs, dental care, eye care, and veterinary care. It primarily serves sectors such as the automotive industry, healthcare services, and retail. It was founded in 2016 and is based in Los Angeles, California.

Tabby focuses on reshaping consumer shopping experiences. The company offers a 'buy now, pay later' service, allowing customers to split their purchases into four interest-free payments, both online and in-store. Tabby primarily serves the retail industry, with a wide range of businesses from global brands to small enterprises utilizing its technology. It was founded in 2019 and is based in Dubai, United Arab Emirates.

Tamara serves as a shopping and payments platform operating in the financial technology sector. The company provides a mobile application offering flexible payment solutions, allowing customers to divide their bills into multiple installments without delay fees, in compliance with Islamic law. Tamara primarily serves the e-commerce industry, with global and regional brands to local small and medium businesses. It was founded in 2020 and is based in Riyadh, Saudi Arabia.

Uplift develops a fintech marketing platform for traveling purposes. The platform offers a buy now pay later scheme for travel through its partner websites and avails a range of payment plans. The company was founded in 2014 and is based in Sunnyvale, California. In July 2023, Uplift was acquired by Upgrade at a valuation of $100M.

Valu provides an internet-based shopping and buy-now, pay-later (BNPL) lifestyle-enabling fintech platform. It allows users to connect with a variety of stores, service providers, and websites to conduct purchases with monthly payment options and has several retail and online stores. Valu was founded in 2017 and is based in Cairo, Egypt.

Zilch is a financial services company specializing in consumer credit and payment solutions. The company offers a 'Buy Now, Pay Later' service that allows customers to make purchases and pay for them over a six-week period in four installments, with the option to pay upfront and receive cashback rewards. Zilch provides a virtual Mastercard to facilitate transactions and promotes responsible spending with features like payment notifications and tailored spending limits. It was founded in 2018 and is based in London, United Kingdom.