Sezzle is a popular “Buy Now, Pay Later” (BNPL) payment option that enables users to pay for products in four interest-free installments. Many users prefer this firm now because it is easy to use and allows them to pay in various ways, so they do not have to spend a large amount of money upfront to purchase products online. Sezzle is a simple way for retailers to increase sales and make consumers happier, especially those with varying credit histories. Sezzle is easy to use, but it might not be the best choice for firms in 2026 that want more global, cost-effective solutions because it leverages current financial systems.
The best payment platform as a Sezzle alternative in our ranking is NOWPayments because it offers reduced expenses and the ability to reach clients all around the world. Businesses may take both cash and cryptocurrencies with NOWPayments. There are no location limits and cheaper processing fees. Sezzle, on the other hand, mostly deals with payments that happen again and again and do not require a lot of credit checks. Sezzle is recognized for its BNPL services like “Pay in 4,” but NOWPayments will be the greatest option to pay with digital currencies without interest in 2026, when the Web3 environment is booming. This makes NOWPayments a better alternative for the future, especially as the need for quick and easy cross-border payments develops.
In 2026, companies that aim to excel in the highly competitive online market must select the best Sezzle alternatives. Many enterprises are searching for secure and affordable options to accept funds because traditional banks impose higher fees and may freeze accounts. Additionally, as bitcoin adoption increases, both buyers and sellers seek a service that provides simple, interest-free payment plans that don’t impact their credit scores. In a world where financial methods need to be transparent, user-friendly, and fast, it is vital to have a reliable alternative to Sezzle to ensure a seamless purchasing experience for customers.
Here is our list of the best Sezzle alternatives for 2026:
- NOWPayments
- Klarna
- Affirm
- Clearpay
- Splitit
What We Considered When Choosing the Best Sezzle Alternative: Our Selection Criteria
In our evaluation of Sezzle alternatives, we concentrated on providing an objective comparison based on features that are essential for companies aiming to move beyond conventional processors. Our objective was to assess how effectively each financial service addresses the needs of both customers and retailers, particularly in 2026.
- Supported Payment Methods: Essential for attracting a global customer base by offering a wide range of payment options like credit and debit cards, as well as BNPL services.
- Integration Tools: Key for businesses to quickly implement the solution with minimal technical overhead, enabling “Pay Later” options at checkout.
- Transaction Fees: A critical factor for merchants looking to avoid hidden fees and ensure transparent, affordable financial processing.
The chart below demonstrates how well each payment provider works on these three crucial points. We will now go over each one in more depth.
| Payment Gateway | Supported Payment Methods | Integration Tools | Transaction Fees |
|---|---|---|---|
| NOWPayments | 350+ cryptocurrencies, 40+ fiat options | API, invoices, POS, payment widget, payment button, mass payout tool | ~0.5% monocurrency; ~1% multicurrency; 0% network fees for USDT TRC20 deposits for new partners for first 2 months |
| Klarna | Debit & credit cards plus its own BNPL services like Pay in 4 and Pay Later plans | Integrates with major e‑commerce platforms (Shopify, WooCommerce, etc.) & checkout redirect flow | Merchant fees ~5.99% + ~$0.30 (varies by plan & region) |
| Affirm | Credit & debit cards, direct loans at checkout via its financing product | Integrates with online checkout systems and POS systems for merchants | Variable percentage + fixed fee (often included in merchant agreement; no late fees to consumer) |
| Clearpay | Debit & credit cards through its BNPL network | Integrated with online checkout platforms and mobile apps | Merchant cost typically around 4–6% + fixed cents per transaction |
| Splitit | Uses customer’s existing credit & debit cards to split payments | Seamless checkout integration that keeps customers on merchant sites | Merchant fee around 2–4% per transaction (varies by agreement) |
NOWPayments
NOWPayments is the best crypto payment gateway that acts as a direct alternative to Sezzle that enables companies to accept more than 350 cryptocurrencies and a lot of fiat currencies, making it a direct competitor to Sezzle. This online payment system lets businesses and customers from all around the world do deals for less money and with more choices than regular BNPL services. NOWPayments’ simple connectivity solutions help businesses by giving them a lot of payment alternatives, such as the ability to pay later using cryptocurrencies. The network serves a wide spectrum of clients, from tech-savvy ones to individuals who have never used Bitcoin before, and it allows businesses to develop worldwide without any constraints.
Supported Payment Methods. Companies may utilize NOWPayments to accept more than 350 cryptocurrencies, including Bitcoin, Ethereum, and stablecoins like USDT. They may also take more than 40 different types of money. This makes it an appealing method to pay for products for those who live in different nations and individuals who like coins. Users may simply pay with the currency they want because it has a highly open payment plan that works with both real money and digital currencies. Businesses may fulfill the rising need for multiple payment choices in the world of online shopping by giving customers a range of ways to pay.
| Payment Method | On-ramp | Off-ramp |
|---|---|---|
| Fiat | ✅ | ✅ |
| Crypto | ✅ | ✅ |
Integration Tools. There are several methods to link NOWPayments to other systems, such as a complicated API, point-of-sale (POS) systems, payment buttons, and payment applications. Businesses may easily add payment choices to their existing online businesses with these technologies. If the setup procedure is quick, businesses may let customers “pay later” at checkout. This feature makes it easier for people to shop. The platform’s group refund function also makes it easier for firms to distribute money to a lot of people at once, which speeds up the financial process.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| Payment Button | ✅ |
| Payment Widget | ✅ |
| POS System | ✅ |
Transaction Fees. NOWPayments’ pricing is fair. The cost for a transaction is roughly 0.5% for payments made in one currency and 1% for payments made in more than one currency. Also, new partners can pay using USDT TRC20 for the first two months without having to pay any network costs. This is an excellent technique to cut down on processing costs and save a lot of money. Basic charges are set up in a way that lets companies keep their expenses low while still offering customers a straightforward way to pay. Businesses that seek a fast and cheap BNPL solution can look at NOWPayments because it has minimal costs and can accept both cryptocurrencies and normal money.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | ~0.5% | For monocurrency |
| Multicurrency Fee | ~1% | For multiple currencies |
| USDT TRC20 Fee | 0% | For first 2 months (new users) |
Klarna
Klarna is a prominentfinancial service that offers a variety of payment solutions. “Pay in 4” is one of its most popular features, allowing customers to settle their purchases in four interest-free installments. This BNPL app has gained popularity due to its seamless integration with large online stores and its ability to let users defer payments, making it easier to manage expenses. Merchants who want to provide installment options often opt for Klarna. The sign-up process is quick, and the terms of the arrangement are clear. Shoppers can make online purchases using Klarna and pay in parts, with no additional fees or interest, provided they meet the payment deadlines.
Supported Payment Methods. You may pay in a number of methods, such as using debit and credit cards and its own BNPL solutions like Pay in 4 and Pay Later. Online shoppers have a lot of options for how to pay, which makes it easier for them to keep track of what they have bought over time. This provider is a wonderful method to pay since it offers plans with no interest, which makes clients feel better about their purchases. It is fantastic for folks who purchase from other nations since this solution enables you pay in a variety of different currencies.
| Payment Method | On-ramp | Off-ramp |
|---|---|---|
| Debit & Credit | ✅ | ✅ |
| BNPL Services | ✅ | ✅ |
Integration Tools. Klarna integrates smoothly with popular e-commerce platforms such as Shopify, WooCommerce, and Magento, allowing stores to offer customers multiple payment options. The streamlined checkout process lets users select their preferred method with just a few clicks. The mobile app enhances the experience by enabling users to make purchases and track their activities on the go. The integration tools also allow merchants to provide a flexible installment plan without disrupting the usual transaction flow.
| Integration Tools | Available |
|---|---|
| Shopify Plugin | ✅ |
| WooCommerce Plugin | ✅ |
| Mobile Integration | ✅ |
Transaction Fees. The service applies a fee of about 5.99% + $0.30 per transaction for merchants, though this can vary based on the type of store and its location. Despite higher costs compared to other BNPL services, its global presence and strong reputation make it an attractive option. The pricing model is transparent, which helps retailers understand the costs associated with the service, making it easier to manage expenses while offering buyers a convenient, interest-free way to pay.
| Fee Type | Amount | Note |
|---|---|---|
| Merchant Fee | ~5.99% | + $0.30 (varies by region) |
| Consumer Fee | 0% | No interest if paid on time |
Affirm
Affirm is a well-known payment solution provider that lets customers pay for their goods over time at interest rates that are disclosed ahead of time. It stands out since it features transparent prices that allow clients to know when they have to pay and how much interest they could have to pay. Many prominent online retailers utilize this solution, which makes it easy and quick for clients to make transactions. This provider is a good alternative to BNPL for both individuals and businesses since it helps you break up payments into smaller, more affordable quantities.
Supported Payment Methods. You may pay with credit and debit cards, and you can even acquire loans at checkout. Customers may divide their purchases into smaller, simpler-to-handle installments, which makes it easier to buy pricey things. Affirm also works with many of the top online businesses, and clients can opt to pay monthly or over time. This choice of payment alternatives makes shopping more fun since you can acquire products over time instead of having to pay for them all at once.
| Payment Method | On-ramp | Off-ramp |
|---|---|---|
| Credit & Debit | ✅ | ✅ |
| BNPL Financing | ✅ | ✅ |
Integration Tools. Affirm works well with most big online retailers, which makes sure that clients have a seamless checkout procedure. It works with e-commerce sites like Shopify and BigCommerce to let customers choose how they want to pay at checkout. This increases sales and conversion rates. Customers may also use this provider’s mobile app to keep track of their transactions and make payments.
| Tool / Integration | Available |
|---|---|
| Shopify Plugin | ✅ |
| BigCommerce Plugin | ✅ |
| Mobile Integration | ✅ |
Transaction Fees. Depending on how the loan is set up, the service’s transaction costs might be a flat charge or a percentage of the entire purchase price. Merchants usually pay more for short-term loans than for long-term loans. This provider’s pricing methodology is straightforward for businesses to comprehend because it clearly and completely shows how much things cost. The service may cost a little more than other BNPL options, but it is a reliable solution for both customers and retailers because it is easy to use and transparent.
| Fee Type | Amount | Note |
|---|---|---|
| Merchant Fee | Variable | Percentage + fixed fee |
| Consumer Fee | Variable | Depends on loan terms |
Clearpay
Clearpay is a well-known BNPL service that enables clients to pay for their purchases in four interest-free payments that are due every two weeks. It is unique because it can be used anywhere in the world and offers purchasers in many countries multiple payment options. Clearpay works with various online retailers and mobile apps, which makes it easier for companies to let customers “pay later.” Customers and merchants both like it since it is simple to use and does not charge interest.
Supported Payment Methods. Clearpay accepts both debit and credit cards, and it also has its own BNPL services that enable consumers to divide payments without having to pay interest. This capability makes it an excellent choice for consumers who want to pay for their online shopping over time. Customers may pay later and still obtain speedy delivery with the Clearpay payment plan, which is simple to comprehend and does not impose interest. Clearpay’s services are also available to many various types of clients because they accept a lot of different ways to pay.
| Payment Method | On-ramp | Off-ramp |
|---|---|---|
| Credit & Debit | ✅ | ✅ |
| BNPL Financing | ✅ | ✅ |
Integration Tools. Clearpay integrates with several well-known e-commerce platforms, such Shopify, Magento, and WooCommerce. Stores may easily start taking BNPL payments with this. Businesses may now offer interest-free payment plans directly at the checkout since the connecting procedure is so simple. People may now use their phones to pay for things via Clearpay’s mobile app. This simple connection makes things easier for both buyers and sellers, which makes the buying process better.
| Tool / Integration | Available |
|---|---|
| Shopify Plugin | ✅ |
| Magento Plugin | ✅ |
| Mobile Integration | ✅ |
Transaction Fees. Clearpay takes roughly 4% to 6% of each transaction from businesses, which is about the same as what other BNPL companies charge. Depending on where the seller is and how big their business is, these costs may differ. However, Clearpay is an excellent choice for many businesses because it is widely accepted. Businesses can easily see how much Clearpay costs, so they know right away how much they will have to pay. One huge benefit of Clearpay’s services is that you can keep your rates cheap while still giving your clients the option to pay in installments without interest.
| Fee Type | Amount | Note |
|---|---|---|
| Merchant Fee | 4–6% | Based on region and terms |
| Consumer Fee | 0% | No interest if paid on time |
Splitit
Splitit is a one-of-a-kind BNPL offering that enables consumers to use their current credit or debit cards to break up payments into interest-free sums. If you do not want to ruin your credit score, this solution is a perfect alternative because it does not check your credit like other payment methods do. This feature makes the service useful for a wide range of consumers, even those with weak credit. This provider is extremely straightforward for merchants to use. Thus, it is a wonderful alternative to regular BNPL services like Sezzle for companies that desire more ways to pay.
Supported Payment Methods. With Splitit, clients may use their current credit or debit cards to make payments on goods over a period of months. This lets customers pay in a way that is easy and flexible. Unlike other BNPL services, it does not need customers to seek new credit lines. People may easily spread out the expense of their internet purchases using it without falling into debt. This service will be popular with people who want to pay their expenses over time and avoid paying interest.
| Payment Method | On-ramp | Off-ramp |
|---|---|---|
| Credit & Debit | ✅ | ✅ |
| BNPL Financing | ✅ | ✅ |
Integration Tools. Splitit works flawlessly with well-known e-commerce sites like Magento, Shopify, and WooCommerce. This feature makes it easier for customers to utilize BNPL services since retailers may rapidly add it as an option at checkout. Customers can easily connect and keep the money flowing without downloading more tools or apps. Its straightforward setup makes it a wonderful choice for businesses that want to give their consumers various payment options without making the checkout process harder.
| Tool / Integration | Available |
|---|---|
| Shopify Plugin | ✅ |
| WooCommerce Plugin | ✅ |
| Mobile Integration | ✅ |
Transaction Fees. This provider charges sellers a fee of 2% to 4% of the total amount per transaction, depending on the agreement. These fees are fair, especially since this service does not verify credit. This makes it easier for clients to use and decreases the expenses for companies that manage the service. This solution keeps its prices cheap by using credit cards that people already have. In this manner, clients do not have to ask for credit, which might put some people off. Merchants that want to provide numerous payment options but do not want the inconvenience or hefty costs that come with typical BNPL systems will find this price structure quite helpful.
| Fee Type | Amount | Note |
|---|---|---|
| Merchant Fee | 2–4% | Based on agreement |
| Consumer Fee | 0% | No interest or fees |
Conclusion
We looked at some of the best payment providers that act as alternatives to Sezzle, such as Affirm, Afterpay, NOWPayments, and Splitit. Modern businesses want lower prices, access to customers all over the world, and easy interaction with their present e-commerce platforms. These systems let you choose from a number of payment options that you may adjust to fit your needs.
People seeking for a Sezzle successor in 2026 should choose NOWPayments above the other options. NOWPayments is a full and affordable solution for businesses that want to expand without being confined by traditional banking systems. It has transaction costs as low as 0.5%, supports a wide range of cryptocurrencies, and can handle quick fiat settlements. It is a terrific solution for businesses that want to leverage new technologies without being held up by traditional banking systems because it has a lot of ways to pay and can be accessible from anywhere in the globe.