The growth of online sales, combined with Europe’s economic climate, has forced eCommerce businesses to improve their range of payment options at checkout. In addition to variety and ease of use, it is very important for customers to have solutions that allow them to defer, split, and/or finance the full purchase amount.
In this ranking, we selected the 7 best BNPL tools (Buy Now, Pay Later) on the market to help you deliver an optimal service during the checkout process (among them, we highlighted in shaded boxes and with a ⭐ the sponsored options from Marketing4eCommerce partners). This list is based on the assessment of 96 industry experts and is part of our Ecommtech Guide 2026, which you can download for free.
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These are the 7 best financing and deferred payment tools for eCommerce:
SeQura is the technology platform that helps merchants build lasting relationships with their customers and maximize long-term value. Through flexible payment solutions, AI-powered shopping experiences, and loyalty tools such as cashback and post-purchase experiences, it enables brands to increase conversion, acquire new customers, and strengthen repeat business.
What began as a payment solution has evolved into a growth infrastructure that connects merchants and consumers throughout the entire shopping journey, from checkout to the next purchase. Operating in Spain, Portugal, Italy, France, and Mexico, SeQura works with more than 6,000 merchants across sectors such as retail, education, and optics, helping them grow profitably and turn customers into repeat buyers.
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This global digital bank offers several flexible payment options, such as splitting the amount into 3 interest-free installments, deferring payment for up to 30 days, or financing it over the long term. It integrates easily into online stores and improves the shopping experience with a fast and secure process.
Through its app, users can manage orders, receive alerts, and access exclusive offers. In addition, it protects buyers with anti-fraud systems and support in the event of claims. This flexibility boosts conversions by reducing cart abandonment and making purchase decisions easier.
PayPal boosts online sales through its flexible financing solution, “Pay in 3,” which allows customers to split eligible purchases between €20 and €2,000 into three monthly interest-free installments with no origination fees. It also offers the option to “Pay in 6, 12, or 24 installments,” which does include APR.
The approval process is instant during checkout, reducing cart abandonment. While the customer enjoys flexibility, the business receives the full amount immediately under the platform’s robust anti-fraud protection.
Aplazame allows customers to split payments at the time of purchase, choosing the number of installments and the most convenient payment date, with instant approval and no paperwork. It integrates easily into both online and physical stores, offering a smooth and uninterrupted user experience. The merchant receives the full sale amount instantly, while the customer pays at their own pace.
The tool includes real-time risk controls and personalized financing options. It also makes it possible to launch promotional campaigns with tailored financing from its control panel.
Scalapay is a Buy Now, Pay Later solution that allows payments to be split into three or four installments, increasing conversion and average cart value. Its omnichannel technology integrates smoothly into online and physical stores through QR codes or payment links.
When choosing Scalapay at checkout, the customer pays only the first installment and receives the product immediately. The merchant receives the full amount right away without taking on financial risk. It includes anti-fraud protection and automated collections management. It also offers promotional options, all managed from a single dashboard.
Oney is a financial institution owned by Auchan Holding and Groupe BPCE. Its 3x 4x Oney plan for individuals offers digital and 100% mobile financial solutions for eCommerce that allow customers to pay for purchases between €90 and €3,000 in 3 to 12 installments. The process takes less than 4 minutes, and the customer only needs to provide personal information, upload their ID, and enter the card details they want to use for payment.
The system integrates easily with Adobe Commerce and Prestashop, and it also works for physical stores. It also offers Alcampo and Leroy Merlin cards.
Openbank, Banco Santander’s 100% digital bank, offers a flexible and transparent financing solution through its deferred payment service. Through streamlined integration into the online store’s payment flow, merchants can allow their customers to split purchases into convenient installments immediately.
It significantly improves conversion rates and raises average cart value by making access to credit easier with the backing of a major financial group. The business receives the full sale amount in advance, guaranteeing liquidity and complete security.
In addition to the featured tools, here are other solutions that may be the answer to what you need: CaixaBank Payments and Consumer, Cofidis Pay, Crédito y Caución, E-Credit Now, Finmid, Floa Pay, InstantCredit by Sabadell Consumer, Lendismart, Nemuru, Pepper, Plazox, Sezzle, and Viabill.
Compared with previous editions, you may notice the absence of Clearpay. The company, a subsidiary of Australia’s Afterpay, announced its exit from the Spanish market (as well as the Italian and French markets) at the end of June 2023, after three years operating in the country.
Image: ChatGPT and Canva
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