27 Best Buy Now Pay Later Startups to Watch in 2025

The Definitive Seedtable Ranking of Buy Now Pay Later Startups

We track 71,000+ companies and rank them dynamically using our Seedtable Score – a score that uses quantitative and qualitative data points to signal the momentum behind a company. We then monitor the list manually leveraging our expertise as founders and investors.

There are 27 start-ups with an aggregate funding of $7.8b. The average funding per company in this subset is $289.2m.

Last update to the database: Feb 18, 2025. See changelog.

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Klarna logo

Klarna

Klarna is a financial technology company providing e-commerce payment solutions for merchants and shoppers.

20

Funding Rounds

$3.8b

Money raised

MoneyTap logo

MoneyTap

MoneyTap is a financial technology company.

1

Funding Rounds

$70.0m

Money raised

Akulaku logo

Akulaku

Akulaku is an online multi-purpose finance platform intended to provide financial services to underserved communities.

10

Funding Rounds

$425.0m

Money raised

Zilch logo

Zilch

Zilch is a D2C ad-subsidised payments network (ASPN) provider founded in 2018 by Philip Belamant.

6

Funding Rounds

$395.0m

Money raised

Capital Float (company) logo

Capital Float (company)

Capital Float is a Bangalore-based online platform providing working capital financing to small and medium enterprises in India.

12

Funding Rounds

$202.0m

Money raised

Tabby logo

Tabby

Tabby is a Dubai-based financial services company offering buy now, pay later plans for retailers and consumers.

4

Funding Rounds

$169.0m

Money raised

Lydia (company) logo

Lydia (company)

Lydia is a Paris-based payment and financial technology company offering users accounts, payment cards, loans, insurance, and gift cards.

9

Funding Rounds

$445.6m

Money raised

Uplift (digital marketing company) logo

Uplift (digital marketing company)

Uplift is a Menlo Park, California-based financial technology company developing buy now, pay later services for merchants and consumers.

2

Funding Rounds

$213.0m

Money raised

Paidy logo

Paidy

Paidy is a Minato, Tokyo-based developer of a buy now, pay later platform and related financial services.

4

Funding Rounds

$281.0m

Money raised

Modifi logo

Modifi

B2B Buy Now, Pay Later (BNPL) solutions provider for business payments and trade management.

4

Funding Rounds

$69.2m

Money raised

Twisto logo

Twisto

Payment app that helps customers manage cashflow and pay for online purchases with one click.

1

Funding Rounds

$22.0m

Money raised

Sezzle logo

Sezzle

Sezzle is a Minneapolis-based payment platform offering users buy now, pay later services.

2

Funding Rounds

$105.6m

Money raised

scalapay logo

scalapay

Scalapay is a Milan-based financial technology company developing payment services and buy now, pay later services.

4

Funding Rounds

$727.0m

Money raised

Divido logo

Divido

Divido is a London-based financial technology developing retail financing programs for retailers and consumers.

3

Funding Rounds

$75.0m

Money raised

Fly Now Pay Later logo

Fly Now Pay Later

Fly Now Pay Later is a London-based financial technology company offering consumers the chance to buy now and pay later for flights and travel.

4

Funding Rounds

$99.9m

Money raised

Behalf logo

Behalf

Behalf offers short-term financing with flexible repayment terms to u.s. based businesses

3

Funding Rounds

$196.0m

Money raised

Zebit (company) logo

Zebit (company)

Zebit is a San Diego-based financial services company offering consumers buy now, pay later on purchases of up to $2,500 interest-free.

1

Funding Rounds

$25.0m

Money raised

Jungle logo

Jungle

Jungle is a Singapore-based payment technology company offering consumers buy now, pay later options.

$5.0m

Money raised

ChargeAfter logo

ChargeAfter

ChargeAfter offers e-commerce and lenders point of sale financing solutions.

2

Funding Rounds

$52.0m

Money raised

Alma logo

Alma

Alma is an innovative instalment payment tool founded in 2018.

4

Funding Rounds

$288.1m

Money raised

ViaBill logo

ViaBill

ViaBill is an Aarhus-based financial technology company offering buy now, pay later services.

1

Funding Rounds

$10.0m

Money raised

Pagantis (Company) logo

Pagantis (Company)

Pagantis is a Madrid-based financial technology company developing automated consumer finance solutions for e-commerce transactions.

1

Funding Rounds

$75.0m

Money raised

ExtendCredit logo

ExtendCredit

ExtendCredit is a web-based software platform enabling users to create and manage in-house customer financing plans.

1

Funding Rounds

$863.4k

Money raised

PayRight logo

PayRight

PayRight is a Hawthorn, Victoria-based developer of an online platform for buy now, pay later services for users.

1

Funding Rounds

$30.0m

Money raised

Limepay logo

Limepay

Limepay is a Sydney-based financial technology company developing buy now, pay later services for merchants and small to medium businesses.

1

Funding Rounds

$6.0m

Money raised

Tamara logo

Tamara

Tamara is a Riyadh-based financial services company offering a buy now, pay later platform for merchants and consumers.

1

Funding Rounds

$10.0m

Money raised

Butter logo

Butter

Butter is a London-based buy now, pay later company founded by Nik Haukohl.

1

Funding Rounds

$21.7m

Money raised