Buy Now, Pay Later Apps: Transforming E-Commerce in 2025

What are buy-now, pay-later services

Using buy now, pay later services, buyers can purchase items immediately and pay for them over time through simple installment plans or deferred billing options. These flexible, often interest-free options make it easier and more affordable to shop online without using traditional credit cards. Buy now, pay later apps simplify the payment process by breaking down the overall cost into smaller, more manageable installments. They are built right into e-commerce checkouts. This strategy enables businesses to generate more revenue and retain customers, while also providing customers with a shopping option that doesn't break the bank. BNPL is changing the future of digital commerce around the world at a rapid pace.

How are buy now, pay later apps reshaping e-commerce

Buy-now, pay-later apps are significantly altering the way people shop online. They make checkouts speedier and help people feel more confident about their purchases. Platforms like Shopify and Stripe make it easy to add BNPL to your store, which is changing how people shop online.

• Higher conversion rates: Offering customers the option to BNPL at checkout makes the process easier and gives them the confidence to complete their purchases. Merchants who use buy now, pay later services report having up to 20% more completed checkouts than those who use regular payment methods.
• Increase in average order value: BNPL enables shoppers to spread their payments over time, often prompting them to add more items to their carts. This results in a significant increase in the average order value. Stripe reports a 30–50% increase in sales when buying now, pay later online tools are used.
• Preferred by younger shoppers: Millennials and Gen Z see BNPL as a budgeting solution rather than a debt trap, avoiding credit card interest. This growing user base is driving the widespread adoption of top buy-now, pay-later apps in the fashion, beauty, and tech categories.
• More impulse purchases: Split payments reduce the psychological load of spending, making quick decisions feel more manageable. Limited-time offers, flash sales, and product drops see higher traction with BNPL-enabled checkouts.
• Wider merchant adoption: Major platforms, such as Shopify, Stripe, and Amazon, now support embedded BNPL features out of the box. This provides small and large merchants with a frictionless way to meet customer expectations and scale more efficiently.

Top 5 buy now, pay later apps for flexible payments on the go

These are the best buy-now-pay-later apps because they are easy to use, cover a wide range of options, and customers trust them. These tools make it easy to purchase items you need or want, whether you're at home or on the go. They work with today's mobile-first purchasing habits.

1
1. Klarna

Klarna is the best BNPL company in the world since it offers a variety of payment plans, such as Pay in 4, Pay Now, and Pay Later. It supports dozens of brands, from H&M to Nike, so buying on the app is easy and personalized. Klarna also allows you to track your delivery in real-time, receive alerts when prices drop, and earn benefits for being a regular customer. It has more than 150 million members and remains one of the most trusted names to buy now, pay later services.

2
1. Afterpay

Afterpay is a popular payment option for fashion, lifestyle, and cosmetics retailers, as it allows you to pay in four installments with no interest. The app's "Shop Directory" features major retailers, including Urban Outfitters and MAC Cosmetics, all of which are accessible within the app. People can keep track of their spending and gain quick approval for purchases without a credit check. With its huge presence in Australia and the U.S., it's among the finest buy now pay later apps for Gen Z and Millennials.

3
1. Affirm

Affirm offers longer-term financing for purchases up to $17,500, which is more than just short-term pay-in-4 plans. It's ideal for large purchases, such as electronics, furniture, and exercise equipment. People feel secure when they check out because the prices are transparent and there are no hidden fees. Affirm has become a key participant in the buy-now, pay-later online buying landscape, working with major retailers such as Walmart and Peloton.

4
1. Zip

Formerly known as Quadpay, Zip allows for flexible payment splitting across four installments, with each installment due every two weeks. It will enable you to shop online and in person with a virtual card and a browser extension. People can shop anywhere that takes Visa and link their favorite debit or credit card. Zip is one of the easiest ways for those who want to use buy-now, pay-later apps without changing their shopping habits.

5
1. Sezzle

Sezzle's main BNPL functions are still there, but they also focus on features that help people develop credit and take control of their finances. It allows customers to change their payment dates and even notifies credit bureaus when payments are made on time, which may help raise credit scores. Sezzle helps a large number of small and medium-sized businesses, particularly those offering ethical and eco-friendly products. It appeals to buyers who care about their beliefs and also desire convenience, as it is a responsible buy-now, pay-later app.

Best buy now, pay later websites to shop smarter online

Major retailers now offer buy-now, pay-later websites with integrated BNPL partners, giving shoppers more control, flexibility, and confidence at checkout. These platforms help boost affordability and make larger purchases more accessible through installment options.

1
1. Amazon (via Affirm)

Amazon partners with Affirm to offer flexible financing for purchases above $50, including electronics, appliances, and home goods. The monthly installment plans are clearly outlined at checkout with no late fees or hidden costs. Shoppers can choose from terms ranging from 3 to 48 months, depending on the cart value and their credit approval. As a dominant force in the buy now, pay later online space, Amazon has made deferred payments more mainstream across the U.S.

2
1. Target (via Sezzle and Affirm)

Target integrates both Sezzle and Affirm to offer shoppers budget control while buying essentials, baby products, clothing, or electronics. Sezzle's zero-interest pay-in-4 plans appeal to younger, value-conscious consumers, while Affirm's extended terms are suited for higher cart values. With its deep BNPL integration, both online and in-store, Target proves that buy now, pay later websites can drive large-scale retail adoption efficiently.

3
1. Walmart (via Affirm)

Walmart allows customers to use Affirm for purchases ranging from $144 to $2,000 across various product categories, including tires, tech, furniture, and more. The checkout experience features transparent loan terms, real-time credit checks, and flexible repayment periods. Walmart's scale, combined with Affirm's usability, has made it a leading destination for buy-now, pay-later services in the big-box retail ecosystem.

4
1. ASOS (via Klarna and Clearpay)

ASOS empowers fashion-forward shoppers with Klarna and Clearpay options, enabling them to split payments into manageable installments. Klarna's Pay in 4 model and Clearpay's rapid approval process remove friction from the purchase journey. With no interest or upfront fees, these integrations attract younger shoppers and elevate cart completion rates. ASOS stands out among buy-now-pay-later fashion websites due to its seamless experience.

5
1. Wayfair (via Affirm and Klarna)

Wayfair supports high-ticket furniture and home décor purchases with Affirm and Klarna, offering plans with terms of up to 36 months. The user experience includes personalized loan offers, interest transparency, and instant credit decisions. Klarna also offers Pay Later in 30 days, allowing users to try items before committing to a purchase. For furnishing large spaces, Wayfair leads as one of the best buy-now-pay-later shopping sites in the U.S. and Europe.

As buy-now, pay-later apps continue to influence online shopping habits, brands need equally innovative content to match the trend. That's where Pippit steps in, giving you powerful creative tools to build high-impact BNPL campaigns, from product videos to dynamic posters, all tailored to drive conversions and capture buyer attention in seconds.

Create buy-now, pay-later apps' catchy content with Pippit

Pippit is an AI-powered content creation platform designed for digital marketers, e-commerce sellers, and retail brands that want to create standout visuals quickly. Whether you're promoting BNPL app features, showcasing deals, or introducing flexible payment options, Pippit lets you generate scroll-stopping product videos and posters in a single click. Use the AI background editor to place products in aspirational, lifestyle-ready scenes or create videos that explain buy-now-pay-later services with product links, media, or scripts. From video scripting to final design, Pippit streamlines the entire process, helping you build trust and drive action with every campaign. Let's explore how it works in detail below.

Make buy now pay later apps product videos with Pippit

Make high-converting buy now, pay later app product videos in minutes with Pippit's AI video tools. From explainer clips to promotional reels, Pippit auto-generates scripts, voiceovers, and visuals tailored for shopping behavior. The steps for boosting visibility across streaming commerce and mobile storefronts, are listed below.

STEP 1
1. Convert content into a video

To start creating compelling product videos for your buy now, pay later app, log in to Pippit using the link above. Once inside, click on "Video Generator" from the left panel, and under the "Turn anything into video" feature, Pippit's AI swiftly transforms your product links, promotional assets, or even rough script documents into eye-catching, sales-focused videos. These ready-made visuals help showcase flexible payment features and build instant customer trust, boosting both engagement and conversions.

After clicking "Generate," you'll see a new page on screen, titled "How do you want to create videos." On this page, Pippit will automatically extract visuals and text from your product link and present them in a neat horizontal gallery. Clicking on the "Auto Enhance" toggle will instantly refine the look of your assets. Then, pick your preferred video format from the list. Pippit will also generate tailored scripts for each format, which you can edit by hovering over any option. On this page, you can also customize the AI avatar, voiceover, aspect ratio, video length, and language. Once you're satisfied with all the edits made, click "Generate" again to produce a polished, high-converting product video.

STEP 2
1. Personalize your visuals and branding

Once your product video for the buy-now, pay-later app is generated, Pippit will present you with a variety of creative video options, each tailored to different styles, themes, and campaign goals, under various niches. Take a moment to review these previews and select the one that best aligns with your brand voice and audience appeal. When you hover over a video, you'll see quick tools like "Change video style" for visual tweaks or "Export" to instantly download and share. If you'd rather explore a different direction, click "Create new" to generate a fresh batch of video ideas. But, for now, click on "Quick edit" to refine your video further.

Pippit's "Quick edit" panel simplifies the process of refining your buy now, pay later app product videos. To match the tone of your e-commerce campaign, you can easily swap out the AI avatar or voiceover and adjust the script to better reflect your brand message. Personalize your visuals further by uploading your own product images, brand logos, or promo clips. You can also update on-screen text, adjust caption styles, and choose new fonts to give your video a distinct, polished look that drives conversions.

For deeper customization of your buy-now, pay-later app product video, click "Edit more" in the top-right corner. This unlocks Pippit's full suite of creative tools, allowing you to add rich visuals, lifelike AI avatars, branded music, and seamless transitions. You can adjust playback speed, tailor the aspect ratio to suit social media platforms, fine-tune the voiceover to match your tone, or instantly swap out the background to suit your campaign better, giving you total control over every visual and audio detail.

STEP 3
1. Download and share your final video

To finish creating your product video, head to the top-right corner and click "Export." You can choose to "Publish" the video instantly for immediate use or "Download" it to save it for later campaigns. Before exporting, Pippit allows you to fine-tune key settings, such as resolution, frame rate, format, and overall video quality, ensuring your content looks sharp, professional, and fully optimized for any screen or social media platform.

Design buy now pay later apps product images with Pippit

Design compelling buy now, pay later app product images with Pippit's AI background remover and enhancer tool. Pippit transforms raw visuals into polished, scroll-stopping content for all e-commerce purposes. Follow the steps below to create engaging product images tailored for live streaming commerce and digital storefronts.

STEP 1
1. Click on AI Background from the Image studio

Click "Image Studio" in the left column, then select "AI Background" to quickly enhance the appearance of the products in the buy now, pay later app. With the help of this tool, you can replace cluttered or boring backdrops with crisp, brand-consistent ones, ideal for presenting product user interfaces, checkout procedures, or mobile screens in a polished manner.

STEP 2
1. Upload the image and change the background

After selecting "AI Background," a dialog box will appear, allowing you to upload or drag and drop your product image. Pippit's intelligent AI will automatically remove the existing background, giving your visuals a clean, polished look that's ready for further customization and branding.

After your product image background is removed, Pippit unlocks three powerful AI Background tools on the left panel, each designed to help your buy-now, pay-later app visuals stand out with clarity and creativity.

Start with the "Presets" option for quick results, browse through professionally designed background themes, click "Generate," and instantly receive four visually stunning variations to choose from. These presets are clean, brand-ready, and perfect for e-commerce visuals. Looking for something tailored? Choose the "Prompt" tool and simply describe the kind of background you envision, like "futuristic fintech dashboard" or "minimal pastel tech setup", and Pippit's AI will bring your idea to life in seconds. Do you already have a reference image that matches your brand aesthetic? Upload it using the "Reference" option, and Pippit will generate a new background that mimics its look and feel. These tools combine speed and creativity, allowing you to create scroll-stopping product images in just a few clicks, ideal for promoting your buy-now, pay-later services across websites, social media, and mobile ads.

STEP 3
1. Download the perfect BNPL product image

Once you've finalized the AI-generated background for your buy now, pay later app product image, take your design to the next level by adding custom text using the tools on the left panel. This is perfect for highlighting key details, such as payment options, zero-interest plans, or special offers, making your visuals more informative and conversion-ready.

When everything looks polished, simply click the "Download" button at the top-right corner. You'll be able to select your desired image format, adjust watermark preferences, and choose the ideal size for your platform, then click "Download" again to instantly save a high-quality, social-ready asset for your next BNPL campaign.

Top Pippit features for buy now pay later apps, videos & images

• One-click video generation: With just one click, Pippit automatically transforms your product link, script document, or promotional assets into a complete, ready-to-share BNPL video. The platform handles everything, from visual transitions to AI-generated voiceovers, so that you can launch high-converting campaigns without any prior editing experience.

• AI poster generation: Pippit's AI poster generator can instantly generate scroll-stopping posters tailored for BNPL offers—like zero-interest deals, flexible repayment terms, or festive shopping events. To do this, upload your product image, type in the prompt, and the AI automatically generates backgrounds, layouts, and stylized text to match your brand tone, all within the poster.

• AI script generation for videos: No need to brainstorm what to say, Pippit's AI auto-writes compelling video scripts for BNPL campaigns by analyzing your product description, brand voice, and audience intent. These scripts are structured for persuasion, integrating urgency and benefit-driven messaging to drive conversions.

• Text overlay customization: Using the ''Text'' option on the left editing panel, you can highlight your BNPL benefits in the poster or videos using fully customizable text overlays. You can control font style, placement, size, and animation to match your design aesthetics and maximize on-screen impact.

• Voiceover variety for BNPL videos: Choose from a diverse library of AI voiceovers that bring your BNPL videos to life, ranging from friendly and energetic to calm and professional. This helps you match the tone of your message to your ideal buyer, whether you're targeting Gen Z shoppers or credit-savvy professionals.

• Multi-format export options: Export your BNPL creatives in all the formats you need, Instagram Reel, YouTube Short, Facebook ad, or LinkedIn ads, with just one click. Pippit ensures every video or poster is resized, rendered, and optimized perfectly for your target platform and device type.

Key benefits of using buy now, pay later online services

Buy-now, pay-later online services are transforming how consumers shop by offering flexible, interest-free payment options at checkout. These tools have become especially popular in streaming commerce and mobile e-commerce, helping users gain more financial control while boosting merchant conversions.

• Instant access to products without an upfront burden: BNPL tools enable users to receive products immediately while deferring full payment, making it easier to act on purchases without depleting savings. This seamless flexibility is a game-changer in fast-paced live streaming e-commerce settings.
• Zero-interest options for short-term plans: Many BNPL providers offer short-term installment plans with zero interest, giving consumers a more innovative alternative to high-interest credit cards. It's an attractive perk that makes e-commerce live events more profitable for brands.
• Simplified budgeting and expense tracking: Clear payment schedules and app dashboards let users track upcoming payments, reducing financial anxiety. This transparency enhances the shopping experience and encourages repeat usage.
• Faster checkout experience: Integrated BNPL options at checkout eliminate the need to enter credit details, speeding up the purchase process manually. This smoother UX boosts conversion rates and lowers cart abandonment.
• Boosted credit-building potential: Some buy-now, pay-later services report repayment behavior to credit bureaus, helping users build a positive credit history. This feature adds long-term value beyond just purchasing flexibility.

What to look for in a buy now, pay later service provider

Choosing the right buy now, pay later service provider is crucial for both consumers and merchants seeking seamless, secure, and scalable transactions. Whether you're integrating these tools into your live commerce platforms or shopping through e-commerce apps, prioritizing transparency and user trust is key.

• Transparent fee structure: A trustworthy provider should disclose all fees, interest rates, and penalties upfront to avoid hidden costs. This builds long-term loyalty and reduces payment disputes in streaming e-commerce models.
• Flexible payment terms: Look for buy-now, pay-later options that offer weekly, bi-weekly, or monthly plans that adapt to diverse financial needs. Flexibility encourages greater usage and fits well within modern e-commerce habits.
• Platform compatibility: Ensure the BNPL solution integrates smoothly with your website, app, or checkout system to avoid friction. Cross-platform support is crucial for live stream commerce environments.
• Reputation and customer service: Strong user reviews and responsive support teams indicate a reliable service that values customer experience. Check how they handle disputes, refunds, and escalations before making a commitment.
• Security and data protection: BNPL providers should utilize robust encryption and adhere to industry standards to safeguard user data. Security reassures users and protects your brand's credibility in online transactions.

Conclusion

Buy now, pay later services are revolutionizing the shopping experience by offering flexible, interest-free payment options. These tools are driving significant shifts in e-commerce, enabling businesses to increase conversions and enhance customer retention. We reviewed the best buy-now, pay-later apps and websites for on-the-go and online shopping, and explored their key benefits, from affordability to higher cart values. We also covered what to consider when choosing a BNPL provider, including terms, user experience, and platform integration. Finally, we demonstrated how Pippit enables brands to create effective BNPL campaigns using AI-generated videos, AI background remover, posters, and scripts in just minutes. Start building your BNPL-ready marketing content instantly with Pippit today.

FAQs

1
1. How do buy now, pay later apps work online?

Buy now, pay later apps allow users to split their total purchase into smaller installments, often interest-free, during the online checkout process. They integrate seamlessly with the e-commerce platforms. With Pippit, businesses can showcase BNPL options clearly in videos and posters to educate and convert more buyers.

2
1. Can I use buy now, pay later apps for Amazon purchases?

Some BNPL services like Affirm or Zip may be available on Amazon, depending on your region. However, Amazon also offers its own installment payment options. You can use Pippit to create engaging content that highlights how customers can utilize these features on platforms like Amazon.

3
1. What should I look for in a buy-now, pay-later app development partner?

Look for experience in fintech, API integration, security compliance, and a proven UX track record. The right partner should also align with your brand's goals. Pippit helps development teams craft marketing visuals and demo videos that explain app functionality to users or investors.

4
1. Are there any top buy-now, pay-later companies offering global services?

Yes, global BNPL providers like Klarna, Afterpay, and PayPal offer services across multiple countries and currencies. These companies support various retail segments. With Pippit, you can create localized campaigns showcasing international BNPL availability to broaden your market reach.

5
1. How do buy now, pay later online tools help small businesses?

BNPL tools reduce purchase friction and increase average order value, helping small businesses compete with larger retailers. They also encourage repeat purchases. Pippit enables small brands to create professional campaigns that quickly explain these benefits across social channels.