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Klarna is a payment solutions provider for e-commerce and is used by online retailers.

Afterpay is the best payment method for buy now pay later and is used by online shoppers looking for flexible payment options.

Zip is the best digital financial service for pay later solutions and is used by consumers seeking flexible payment options.

Affirm is the best buy now pay later service for flexible payment plans and is used by shoppers looking for no late fees.