26 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 26 start-ups with an aggregate funding of $7.8b. The average funding per company in this subset is $299.5m.

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

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20

Funding Rounds

$3.8b

Money raised

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

Location:

Key people:

1

Funding Rounds

$70.0m

Money raised

MoneyTap is a financial technology company.

Location:

Key people:

10

Funding Rounds

$425.0m

Money raised

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

Location:

Key people:

12

Funding Rounds

$202.0m

Money raised

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

Location:

Key people:

6

Funding Rounds

$395.0m

Money raised

Zilch is a Morley, West Yorkshire-based financial technology company offering buy now, pay later services for merchants and consumers.

4

Funding Rounds

$169.0m

Money raised

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

Key people:

9

Funding Rounds

$445.6m

Money raised

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

Location:

Key people:

2

Funding Rounds

$213.0m

Money raised

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

4

Funding Rounds

$281.0m

Money raised

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

4

Funding Rounds

$69.2m

Money raised

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

Location:

Key people:

2

Funding Rounds

$105.6m

Money raised

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

Key people:

4

Funding Rounds

$727.0m

Money raised

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

Location:

Key people:

3

Funding Rounds

$75.0m

Money raised

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

4

Funding Rounds

$99.9m

Money raised

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.

Location:

Key people:

3

Funding Rounds

$196.0m

Money raised

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

Key people:

1

Funding Rounds

$25.0m

Money raised

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

Key people:

$5.0m

Money raised

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

Location:

Key people:

2

Funding Rounds

$52.0m

Money raised

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

Location:

Key people:

4

Funding Rounds

$288.1m

Money raised

Alma is an innovative instalment payment tool founded in 2018.

Location:

1

Funding Rounds

$10.0m

Money raised

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

Location:

Key people:

1

Funding Rounds

$75.0m

Money raised

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

1

Funding Rounds

$863.4k

Money raised

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

1

Funding Rounds

$30.0m

Money raised

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

Key people:

1

Funding Rounds

$6.0m

Money raised

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

Location:

Key people:

1

Funding Rounds

$10.0m

Money raised

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

1

Funding Rounds

$21.7m

Money raised

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

Industries:

Location:

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