The easiest way to find the best BNPL provider for you.

Compare the top BNPL players in the market against a range of attributes that merchants have told us are important to them and find the best fit for your business.

Wondering why Opy would show our competitors as a suggested option? Opy is not just about selling you our payment solutions – we’re about changing the payment landscape in the US to become more transparent and fair for consumers and merchants. In some cases other BNPL products better meet certain needs – and that’s OK. We want merchants to have a tool that helps them select the right BNPL product for them.

  • Use the sliders below to select how important each attribute is to you when considering a BNPL provider.
  • Click submit to see the providers that best fit your criteria
Supports both low value transactions (under $100) & high limits ($10,000+ ) for large ticket, large basket and upsell purchases

Not important

Very important

Can spread payments over many months/years, in addition to standard short term plan options

Not important

Very important

Provider customizes their product for your industry - offering flexible plans and loan terms that meet the needs of you and your customers

Not important

Very important

Flexible terms available that allow changes in consumer repayment terms, if circumstances change

Not important

Very important

Low impact on the customer credit profile through use of "soft inquiries" over "hard inquiries" at the credit bureaus

Not important

Very important

Broad acceptance and maximized approval rates in collaboration with merchants

Not important

Very important

Merchant fees that are low, transparent & fair

Not important

Very important

Clear, simple pricing, avoiding use of deferred interest financing, multiple late fees or prepayment penalties

Not important

Very important

Product includes a down payment at time of purchase to ensure customer commitment, reduce returns & limit adverse selection

Not important

Very important

Responsible debt re-collection practices. No selling of debt to a third party, no aggressive collection techniques

Not important

Very important

Provider highly rated by independent review & ratings sites

Not important

Very important

Strong merchant & consumer customer base globally

Not important

Very important

Multiple integrations with processors, e-commerce & business platforms to make integrations faster/easier

Not important

Very important

Results

See below the best matched products for your business.

Best fit

Close fit

Partial fit

Low fit

Openpay

* comparison made using Openpay AU product features. OpyPay is coming to the US soon

Top scoring features

  • Largest range of transaction values AND plan lengths
  • Long term installment plans
  • High loan approval rate
  • Good range of industry focus & customisation
  • Flexible loan repayment terms
  • Easy application & decisioning
  • Low & transparent consumer fees
  • First installment at checkout
  • Customer-friendly debt recovery
  • High consumer trust score
Klarna

Top scoring features

  • Short and long term installment plans
  • Wide range of industry focus & customisation
  • Customer-friendly debt recovery
  • Large global merchant & consumer base
  • Simple setup and integration
QuadPay

Top scoring features

  • Flexible loan repayment terms
  • Low impact credit checks
  • First installment at checkout
Sezzle

Top scoring features

  • Low impact credit checks
  • Low & transparent merchant fee
  • Low & transparent consumer fees
  • First installment at checkout
  • Customer-friendly debt recovery
  • High consumer trust score
  • Simple setup and integration
PayPal

Top scoring features

  • High range of transaction values
  • Low & transparent merchant fee
  • First installment at checkout
  • Large global merchant & consumer base
  • Simple setup and integration
Affirm

Top scoring features

  • High loan approval rate
  • High range of transaction values
  • Wide range of industry focus & customisation
  • Low & transparent merchant fee
  • High consumer trust score
  • Simple setup and integration
AfterPay

Top scoring features

  • Flexible loan repayment terms
  • Low impact credit checks
  • First installment at checkout
  • High consumer trust score
  • Large global merchant & consumer base
Bread

Top scoring features

  • Long term installment plans
  • Wide range of industry focus & customisation
  • First installment at checkout
  • High consumer trust score

Give feedback or find out more

Please contact us here if you want to give feedback, discuss the ratings or if you would like to hear more about Opy. This tool is a beta version and we are keen to get your thoughts and feedback to help us make improvements.

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