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

Klarna is a financial technology company that provides payment solutions and shopping services. The company offers price comparison, installment payments, and consumer financing for online shopping. Klarna serves the ecommerce industry, providing services to both consumers and retailers. It was founded in 2005 and is based in Stockholm, Sweden.

PayPal (NasdaqGS: PYPL) 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 (AFRM) 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 is a financial services company that specializes in consumer financing, offering a range of credit products and banking services. The company provides retail credit cards, healthcare financing, and various banking products such as high yield savings accounts, money market accounts, and certificates of deposit. Synchrony serves both individual consumers and businesses, offering payment solutions and financial products tailored to their needs. Synchrony was formerly known as GE Capital Retail Finance. It was founded in 1932 and is based in Stamford, Connecticut.

Atome provides payment services within the financial technology sector. The company allows consumers to split purchases into installment payments without interest. Atome serves the retail industry by partnering with various online and offline merchants to facilitate consumer spending. It was founded in 2019 and is based in Singapore.

Amount specializes in digital origination and decisioning within the financial technology sector. The company offers a platform that facilitates account origination for lenders, integrating decisioning for credit, fraud, and compliance, as well as customer journeys to support the lending process. Amount primarily serves regional and community banks, large commercial banks, and credit unions, providing them with tools for their operations. It was founded in 2014 and is based in Chicago, Illinois.

Kueski operates as a financial technology company focused on online consumer lending within the financial services industry. The company offers personal loans and a digital payment method that allows users to make purchases in installments without a credit card. Kueski primarily serves individuals who may not qualify for traditional bank loans. It was founded in 2012 and is based in Jalisco, Mexico.

Scalapay is a financial technology company that offers 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 and operates 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 payment platform. It operates in the financial technology sector. The company provides a mobile application offering flexible payment solutions and allows 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 provides buy now pay later services across various online retail sectors. The company offers a payment solution that allows customers to make purchases and pay for them over six weeks. It primarily serves the ecommerce industry with its virtual Mastercard. The company was founded in 2018 and is based in London, United Kingdom.