Global segment ranking · Fintech › Payments

The world’s most valuable buy now, pay later providers

Consumer point-of-sale instalment providers that let shoppers split payments at checkout, online and in store. Ranked worldwide by AI-estimated valuation. The market sets the value; our AI estimates it.

Edition 0 (beta) · Published September 29, 2026 Twice a yearNext edition: January 1, 2027· Claude · multi-AI consensus in a future edition· Published method· Order never changed by a human

Key metrics for this segment: transaction volume, revenue, profit. Figures as published by each company or the press, dated, not recalculated. The AIs weigh them alongside funding history and comparables.

Not in this segment. B2B BNPL and invoice financing, general consumer credit, card acquiring and neobanks each have their own segment. A company appears in one segment only. Method

The segment at a glance

11companies ranked

1companies on the radar

9countries in the ranking

8listed benchmarks

Sources: TechCrunch, FinTech Futures, Argaam, AGBI, City A.M., Sifted, Maddyness, DealStreetAsia, Fintech News Singapore, Crowdfund Insider, Entrackr, Inc42, fwdstart, Sacra, company announcements. Intention counters will be shown above a threshold of amount and number of Backers.

Rankings by region

Filter the ranking and the Radar. Ranks stay worldwide.

Global ranking · Buy now, pay later

Top 11 Radar Challengers

First edition: no movements yet.

World · 11 ranked companies

#	Company	Last round · Key metrics	Estimated valuation (AI, order of magnitude)	Confidence	Invest
1	TabbySaudi Arabia · Middle East & North AfricaSources: 1 · 2 · 3Is this your company? Report an error	Secondary share sale · undisclosed · Oct 2025$18B annualised sales volume (Jul 2026) · Revenue: n/d · Profitable (amount not disclosed) (Feb 2025)	Last known equity round: Secondary share sale · undisclosed · Oct 2025 (HSG, Boyu Capital); last primary round Feb 2025: USD 160M Series E at USD 3.3B, led by Blue Pool Capital and Hassana Published valuation: USD 4.5bn (Oct 2025) Confidence index: HighMethod	Solid sources	Declare an intent
2	TamaraSaudi Arabia · Middle East & North AfricaSources: 1 · 2 · 3Is this your company? Report an error	Series C · USD 340M · Dec 2023Transaction volume: n/d · Revenue Net finance commission income SAR 762.8M · Net profit SAR 193.4M · FY2025	Last known equity round: Series C · USD 340M · Dec 2023 (Sanabil Investments, SNB Capital) Published valuation: USD 1bn (Dec 2023) Confidence index: MediumMethod	Partial sources	Declare an intent
3	Atome FinancialSingapore · Asia-PacificSources: 1 · 2Is this your company? Report an error	Capital injection · USD 149M · May 2026GMV over $2B · Revenue Operating income $236M · First full-year profit · FY2024	Last known equity round: Capital injection · USD 149M · May 2026 (Advance Intelligence Group (parent)); Sep 2026: Grab agreed to buy 60% for USD 1.49B (incl. USD 260M growth capital), closing expected by Q3 2027 No confirmed published valuation Confidence index: HighMethod	Solid sources	Declare an intent
4	SunbitUnited States · North AmericaSources: 1 · 2Is this your company? Report an error	Series D · USD 130M · May 2021Transaction volume: n/d · Revenue $343M (FY2025) · Positive operating income (2025)	Last known equity round: Series D · USD 130M · May 2021 (not specified) Published valuation: USD 1.1bn (May 2021) Confidence index: MediumMethod	Partial sources	Declare an intent
5	AkulakuIndonesia · Asia-PacificSources: 1Is this your company? Report an error	Strategic investment · USD 200M · Dec 2022Transaction volume: n/d · Revenue: n/d · Net profit Rp 108B · FY2025	Last known equity round: Strategic investment · USD 200M · Dec 2022 (MUFG) Published valuation: USD 2bn (Dec 2022) Confidence index: LowMethod	Weak sources	Declare an intent
6	KredivoIndonesia · Asia-PacificSources: 1 · 2Is this your company? Report an error	Secondary share sale · USD 100M+ · Dec 2025Key metrics not disclosed	Last known equity round: Secondary share sale · USD 100M+ · Dec 2025 (Mizuho); last primary round Mar 2023: USD 270M Series D led by Mizuho No confirmed published valuation Confidence index: LowMethod	Weak sources	Declare an intent
7	ZilchUnited Kingdom · EuropeSources: 1 · 2Is this your company? Report an error	Equity and debt raise · USD 175M (equity and debt, split undisclosed) · Nov 2025GMV £1.9B · Revenue £110.3M · Net loss £10.5M · FY2025 (reported Aug 2025)	Last known equity round: Equity and debt raise · USD 175M (equity and debt, split undisclosed) · Nov 2025 (KKCG, BNF Capital) Published valuation: USD 2bn (Nov 2021) Confidence index: MediumMethod	Partial sources	Declare an intent
8	AddiColombia · Latin AmericaSources: 1 · 2Is this your company? Report an error	Series D · USD 85M · Jul 2026Transaction volume: n/d · Revenue $150M ARR · Four consecutive profitable quarters · Jul 2026	Last known equity round: Series D · USD 85M · Jul 2026 (Citius, BTG Pactual, GIC, Monashees) No confirmed published valuation Confidence index: MediumMethod	Partial sources	Declare an intent
9	AlmaFrance · EuropeSources: 1 · 2Is this your company? Report an error	Series C · EUR 115M · Feb 2022GMV €2.5B · Revenue €114M ARR · First net profit (amount not disclosed) · FY2025	Last known equity round: Series C · EUR 115M · Feb 2022 (Cathay Innovation, Eurazeo, Tencent) No confirmed published valuation Confidence index: MediumMethod	Partial sources	Declare an intent
10	SnapmintIndia · Asia-PacificSources: 1 · 2Is this your company? Report an error	Series B · USD 125M · Oct 2025Transaction volume: n/d · Revenue Rs 158.5 crore · Net profit Rs 15 crore · FY2025 (to Mar 2025)	Last known equity round: Series B · USD 125M · Oct 2025 (General Atlantic) No confirmed published valuation Confidence index: MediumMethod	Partial sources	Declare an intent
11	ScalapayItaly · EuropeSources: 1 · 2Is this your company? Report an error	Strategic investment · USD 27M · May 2022Over $1.5B (FY2024) · Revenue $61.6M (FY2024) · Monthly breakeven (2025)	Last known equity round: Strategic investment · USD 27M · May 2022 (Poste Italiane); Feb 2022: USD 497M Series B led by Tencent and Willoughby Capital (unicorn status) No confirmed published valuation Confidence index: LowMethod	Weak sources	Declare an intent

Ranking in descending order of AI-estimated valuation, based on public information, following a published method, with no human intervention on the order. Valuation ranges are indicative editorial estimates: neither a financial valuation, nor an offer, nor investment advice. Only the market sets a company’s value, through a funding round or a sale. Edition 0: produced by Claude (Anthropic); a consensus of several AI models will apply in a future edition. Eligibility: at least $1M raised including one equity round, non-listed company, main activity in this segment (split payments at checkout, online and in store). Country shown is the country of main operations. Request a correction

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How to read this ranking

Rank

Companies are ranked by AI-estimated valuation, highest first. The market sets the value; our AI estimates it.

Range

An order of magnitude, never a figure.

Hundreds of k$
Millions $
Tens of M$
Hundreds of M$
Unicorn
Decacorn

Confidence

High: recent published valuation or round (under 24 months).
Medium: older data.
Low: single or unconfirmed source.

Full method →

Invest in buy now, pay later, together

Uback aggregates investment intentions from business angels, family offices, corporates and sector specialists worldwide. Every ranked company already has professional investors on its cap table, who have negotiated a shareholders’ agreement: you don’t start from a blank page.

Strength in numbers

Alone, a small ticket opens no doors. Together, Backers carry weight.

Declare an intention

On a company or a sector, with a ticket range. Paid, to show you are serious; transferable as long as it has not been converted.

Critical mass is reached

When the number of Backers and the total of their intentions cross a threshold, the licensed partner contacts the company and presents this demand.

The licensed partner structures

If the company’s expectations and the Backers’ converge, the partner builds a transaction and presents it directly to the Backers concerned.

Closing

Capital raise or sale of existing shares: small tickets are pooled in a common vehicle set up by the licensed partner. Each Backer decides whether to take part.

Uback does not advise, does not negotiate, collects nothing. Each transaction is run by the licensed partner of the company’s country, under the law that governs its shares.

Get notified when intentions open What happens after my declaration? Intention declarations open once the licensed partner signs · price per ticket band · valid 12 months · transferable credit

Challengers

A registered company raising funds that is not in the ranking will be able, for a fee, to appear in a separate list labelled “Challengers”, for a set period, with a memo available to verified Backers. The listing has no effect on the ranking. Not open yet.

Sponsored space · no Challenger listed yet

Radar · known eligible companies, not ranked

Sorted by date of last round, with no judgement and no AI call.

Aplazo · Mexico · Latin AmericaMay 2024 · USD 45M; Series B led by QED Investors (USD 70M incl. earlier tranches)

Listed benchmarks

Not ranked: no intention is possible on a listed company.

Klarna · SwedenNYSE · KLAR
Affirm · United StatesNasdaq · AFRM
Block (Afterpay) · United StatesNYSE · XYZ
Sezzle · United StatesNasdaq · SEZL
Zip Co · AustraliaASX · ZIP
Katapult · United StatesNasdaq · KPLT
Net Protections · JapanTSE · 7383
valU · EgyptEGX · VALU

Sources and method for this segment

Calendar. Global segment rankings are published twice a year. Next edition: January 1, 2027.

Eligibility. At least $1M raised including one equity round, non-listed company, main activity in this segment (split payments at checkout, online and in store). A company appears in one segment only.

Sources. TechCrunch, FinTech Futures, Argaam, AGBI, City A.M., Sifted, Maddyness, DealStreetAsia, Fintech News Singapore, Crowdfund Insider, Entrackr, Inc42, fwdstart, Sacra, company announcements.

Method and rules, common to all rankings →