![]() Splitit will reauthorize the hold and reduce the amount each month, and the bill is paid off. Then, rather than paying through the BNPL provider, Splitit guarantees a shopper’s purchase by placing a preauthorization hold on their credit card while the total amount is outstanding. When a shopper selects Splitit at checkout, they will choose how many installments they want to make. Splitit is also unique from a shopper’s perspective. One thing to note about Splitit’s payment structure-with the standard plans, merchants are paid as the customer makes their installments, rather than upfront like with our other options. ![]() Like others on our list, Splitit takes responsibility for chargebacks and fraud, and it is also the only app on this list with pricing plans on its website. Plus, like Zip, Splitit is good for in-person payments anywhere Mastercard, Visa, and Discover are accepted. Klarna, PayPal, and Afterpay also work with international merchants, but in far fewer locations. Splitit is the best BNPL app for international businesses because it is available in 53 countries. PayPal Pay Later: Best for Businesses That Already Process Payments With PayPal To use PayBright, you need a Canadian store and to bill customers in CAD, but do not need to have a Canadian entity or bank account. *Affirm works in Canada under the name PayBright. Ecommerce integrations: Integrates with major ecommerce solutions, including Wix, WooCommerce, Shopify, SalesForce, Stripe, and BigCommerce. ![]()
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