In Spain, as in many other countries (especially in the European Union), the online shopping culture is growing at an enormous rate nowadays. Among other things, it presents an extremely useful convenience for the user, being able to make purchases of all kinds without leaving the couch at home.

Undoubtedly, this point is presented as the differential advantage of digital shopping compared to traditional ones. However, there are several issues in which e-commerce has had to adapt, such as online payment options and facilities, including the possibility of deferring, splitting and/or financing the total purchase. Therefore, in this top we bring you the best BNPL (Buy Now Pay Later) tools on the market that will help you offer an optimal service in the checkout process.

We have already told you about best payment solutions tools, now it is the turn for the best financing and deferred payment services for your eCommerce.

A ranking of the best financing and deferred payment services prepared by experts

As in 2022, this year we have carried out an evaluation of ecommtech tools with the help of several specialists in different areas of marketing and eCommerce (this time there were 35 jurors, two more than in the previous edition).

This voting process was carried out for our Ecommtech Guide 2023, which you can download for free. There you will find the best tools from 25 different verticals and the names of the jurors.

Download it for free 😉

In this way, in each top we will determine two lists: the top 10 (or less) tools best rated by experts and other tools that you should also consider, or at least have identified on the map. Therefore, the first list will be in voting order and the second will be in alphabetical order.

That said, let’s get down to business😉

The best tools to finance and defer payments…

…and other tools that you should also have in your sights


This tool allows several different payment methods in installments, adapting to the particularities of each eCommerce and offering them flexible solutions for their customers.

Among them, we can mention the “pay later”, which allows the payment of the purchased product up to 7 days after the purchase, at no extra cost and without leaving card or bank details. Another possibility is the “installment payment”, which divides the payment in installments from 3 to 24 months, allowing the customer to vary the plan whenever he wants. It also offers the options “divide in 3″, with which it will be possible to pay in 3 months without interest; “renting” in which the stores allow “renting” products to customers; and “solution in physical store”, which facilitates an alternative financing service in these spaces through the customers’ cell phones.

Approval of the purchase is instantaneous. It guarantees 100% collection and offers a series of marketing resources to boost customer awareness and understanding of this tool. It also has its own risk algorithm.

  • Year founded: 2013
  • Country: Spain


Afterpay (known as Clearpay in Europe) was founded in 2011 in Australia. With this platform, customers can pay for their purchases in 3 installments without additional costs. The service is completely free for users who pay on time, which helps people spend responsibly without incurring interest.

To offer the service you must have a B2C merchant and a bank account with a European bank. It integrates directly with your online store via API or module. According to company data, in 2021, Afterpay merchants experienced up to a 40% increase in AOV (average shopping cart value).

  • Year founded: 2011
  • Country: Australia


Klarna Bank AB, known as Klarna, is a Swedish fintech in full expansion in Europe that offers, among other things, online payment tools for online merchants. In addition, they also offer financing at physical points of sale through their app, something very useful for companies with an omnichannel approach. Since 2022 it has had a loyalty program through which members earn points for every payment they make through its app.

Klarna customers can choose between:

  • Three interest-free installments buy now and pay later in 3 equal interest-free installments;
  • Pay after delivery: the fintech offers an extra 30 days to pay after delivery;
  • Pay now: pay by card for purchases without the need to fill out forms or enter passwords.

It has an app available for Android and iOS, from where customers can manage their payments. In addition, in April 2023 it has announced the implementation of an AI in its app to improve the user experience.

  • Year founded: 2005
  • Country: Sweden


This tool allows to offer installment payments in up to 36 months and choosing the day of the month to make the payment. It also has the option to send the order and have the customer pay 15 days later without commissions, or split their purchases into 4 payments at 0% interest.

It easily integrates with major eCommerce platforms such as Adobe Commerce, Prestashop, Woocommerce and Shopify, although it is compatible with any website. You can also create your own integration with its proprietary API. In addition, it allows you to offer financing to customers at physical points of sale in a simple way, through a simple SMS.

Led by Fernando Cabello-Astolfi, this fintech was created at the end of 2014 and acquired in August 2018 by WiZink Bank Group, making Aplazame the only real-time financing solution backed by a bank.

  • Year founded: 2014
  • Country: Spain


This platform allows your customers to pay in up to 3 installments or simply later, interest-free, online and in-store. However, you get the full amount of the order immediately and Scalapay assumes all risks of fraud and non-payment.

It integrates quickly and easily with the main CMS platforms (PrestaShop, Salesforce, Opencart, Storeden, Woocommerce, Adobe Commerce, among others). Currently, 3,000 merchants operate with this tool.

  • Year of foundation: 2019
  • Country: Italy


Cofidis has the Retail E-commerce solution, which allows customers to finance online purchases instantly, securely and quickly in two ways: 4xcard (in 4 installments, for purchases between $75 and $1,000) and Cofidis Pay, with which the customer can finance their purchase in up to 50 monthly installments through direct debit, only with the identity document and a bank proof of ownership (for purchases between $75 and $3,000 in up to 50 installments).

It has an integration module with Prestashop, it can be integrated with any online store via API and with payment platforms through PSP.

  • Year founded: 2012
  • Country: France


Oney is a financial institution belonging to Auchan Holding and Groupe BPCEE. Its 3x 4x Oney plan offers digital and 100% mobile financial solutions for eCommerce that allow customers to pay between 3 and 12 installments for purchases between $90 and $2,500.

The process is done in 4 minutes with no paperwork required. The customer only has to fill in their personal data, attach their ID card and the data of the card they want to pay with (debit or credit). The system is easily integrated with Adobe Commerce and Prestashop, and also works for physical stores.

  • Year founded: 1983
  • Country: France

Sabadell Consumer

InstantCredit is Sabadell Consumer Finance‘s digital installment payment solution that allows shoppers to pay for their purchases in convenient installments quickly, securely and 100% digitally. It offers an intuitive user experience adapted to any device. With the security and confidence of a company specializing in consumer finance, with more than 12,000 member stores.

This tool covers between 3 and 24 monthly payments and with a wide financing range, up to $4,000 per purchase, with a minimum of $150. The first installment is charged 30/60 days after the purchase has been made and the product has been checked.

It allows the creation of 0% APR campaigns (seasonal, by product, by number of installments, etc.) and monitors the credit acceptance rate, applying measures to increase sales. It is integrated through a simulator, via API or through the main eCommerce CMS (Prestashop, Woocommerce and Opencart).

  • Year founded: 2015
  • Country: Spain

Crédito y Caución

The company offers a deferred payment tool called “CYCaaS” (Crédito y Caución as a Service), which allows e-commerce businesses to offer financing to their customers in the payment process. It is available for e-commerce in Spain and Portugal, and easily integrates with the most popular e-commerce platforms, such as PrestaShop, WooCommerce and Shopify, among others.

Crédito y Caución is a company that focuses on managing the risk of non-payment faced by its customers, preventing and preventing it in order to offer a safer experience in the online shopping process.

  • Year founded: 1929
  • Country: Spain


With Viabill your customers can pay in up to 4 interest-free installments by creating an account in the application. Thanks to its price tag, users see how the system works and how much they will pay per month before making the purchase. Within 10 days of receiving the order your merchant receives the full payment, minus the handling fee.

It easily integrates with leading eCommerce stores such as Salesforce, Adobe Commerce, Prestashop, Woocommerce or Shopify. It also has a unified dashboard from which you can view orders, transaction and payment charges, modify documentation, etc.

  • Year founded: 2014
  • Country: Denmark

CaixaBank Payments and Consumer

It is CaixaBank’s digital installment payment solution, a great endorsement for a tool designed to make it easier to finance online purchases.

CaixaBank Payments and Consumer offers shoppers a 100% online process, it adapts to each online store and customers do not have to leave your eCommerce to pay: once the product is added to the shopping cart, they only have to select the financing option as payment method and choose the installment they want to pay.

  • Year of foundation: 2019
  • Country: Spain

E-Credit Now

E-Credit Now is the online financing platform for retailers from Cetelem, an expert in consumer loans belonging to the BNP Paribas group, with more than 30 years of experience and 2.5 million customers.

It is a fully online installment payment solution, at no cost to the merchant and in which the client-companies can choose the financing option: with or without interest, in up to 60 months and with no maximum amount limit. Thus, in 3 simple steps, the user will be able to access the installment payment of their purchases. In addition, if the user already has a Cetelem credit line, there is no need to fill in any form or send any documentation.

One of the main advantages of e-Credit Now is that it has modules for easy integration into 3 of the main e-commerce platforms, such as Prestashop, Adobe Commerce and Woocommerce.

Among its clients are well-known eCommerces such as PcComponentes and Macnificos.

  • Year founded: 2015
  • Country: France


FLOA Pay is a French eCommerce installment payment tool with more than 20 years of experience that began its internationalization in 2021 with the deployment of the service in Spain. With this tool, consumers can defer and split their payment in three or four installments instantly with only two additional pieces of information: location and date of birth. There is also a “pay later” or deferred payment option for multi-product payments between 30 and 1,000 U.S dollars. A simple way that allows quick action by the customer and an immediate response from Floa, which avoids forms or registrations in external applications.

  • Year founded: 2001
  • Country: France

Open Bank

This digital bank, owned by Banco Santander, although it does not have its own payment deferment tool, offers its customers the opportunity to defer payments for up to 36 months on purchases equal to or greater than €30. In addition, with Open Bank credit cards you can pay your purchases up to one month later without interest (also for purchases over $30) on the web or in the app. It is present in several European countries and a reference in digital banking worldwide.

  • Year founded: 1995
  • Country: Spain


This instant online financing platform allows consumers to defer the payment of their purchases in online and physical stores, in weekly or monthly installments. They offer two main options in which payments can be divided in three without any interest and one in which the customer can divide the payment from 2 to 18 installments. It also allows payment in installments to customers of physical stores, favoring omnichannel.

For its integration it has manuals and technicians that help you in the process and also allows its integration in eCommerce platforms such as WooCommerce, Prestashop, Shopify or Adobe Commerce.

  • Year founded: 2015
  • Country: Spain


Pepper is a deferred payment tool that works in a very simple way: the customer customizes how many installments he wants to pay, enters his data, and signs with his cell phone with a PIN sent by SMS. In addition, this tool increases the conversion rate, increases the average order amount and maximizes the recurrence of purchases.

  • Year founded: 2000
  • Country: Australia


This payment deferral solution allows you to split the payment of your customer’s order in 4 installments over 3 months, interest free. The customer only has to choose Sezzle when paying in your eCommerce. More than 34,000 stores in the United States and Canada use this tool. No need to fill out long forms, one click is enough to use Sezzle.

It integrates with Prestashop, Shopify and Adobe Commerce, among others.

  • Year founded: 2016
  • Country: United States

Image: Depositphotos


Keep informed of the most relevant news on our Telegram channel

Write a comment