Haddii aad tahay dukaameystaha online-ka ah^{(online shopper)} , waxaa laga yaabaa inaad dareentay ama aad isticmaashay adeeg la yiraahdo Afterpay . Kani waa shirkad la shuraakoobaysa tafaariiqda khadka tooska ah si ay macaamiishooda u siiso ikhtiyaarka ah inay ku bixiyaan wax soo saarkooda korodh muddo cayiman ah.

Mushaarka^(Afterpay) dambe ma aha adeegga kaliya ee kan oo kale halkaas ka jira, in kastoo. Waxaa jira qaar kale oo aad u yar oo bixiya qaab la mid ah oo aad ku bixiso wax iibsigaaga onlaynka ah. Adeegyadani waxay leeyihiin astaamo ka duwan kuwa Afterpay sameeyo, markaa haddii aad jeceshahay adeegsigaas laakiin aad la yaabban tahay waxa kale ee jira, waxaa habboonaan lahayd inaad eegto shirkadahan kale. 

Markaa waa kuwan beddelka ugu wanaagsan ee Lacag-bixinta dambe ee la isticmaalo markaad wax iibsanayso.

1. Quadpay

Adeeggan lacag-bixinta dambe aad ayuu u faa'iido badan yahay maadaama aad u isticmaali karto dukaan kasta oo aqbala Visa , ma aha oo kaliya shuraako gaar ah oo shirkadda ah. Tani waxay la macno tahay inaad ku samayn karto afar qaybood oo lacag bixin ah ku dhawaad ​​wax kasta oo online ah oo aad wax ku iibsato. 

Adeegani wuxuu u shaqeeyaa isagoo ku siinaya kaarkaada Quadpay , oo aad markaas ku bixin karto iibsashadaada. Kadib, adoo adeegsanaya abka, waxaad dib u bixin kartaa muddo lix toddobaad ah. Waxa kale oo aad u isticmaali kartaa kaarkan wax iibsiga dukaanka dhexdiisa adiga oo isticmaalaya jeebka Apple ama Google .

Habkan lacag-bixineed sidoo kale waa bilaa dulsaar, taasoo la macno ah inaadan wax kharash ah ku kordhin doonin isticmaalka adeegga, kaliya waxaad ka bixinaysaa wixii aad soo iibsatay. 

2. Xaqiiji^(Affirm)

Haddii aad u baahan tahay jadwal lacag-bixineed oo dabacsan, Affirm wuxuu kuu ogolaanayaa inaad doorato muddada aad ku bixinayso iibsashadaada. Waxaad dooran kartaa inaad isticmaasho Affirm markaad hubinayso shuraakooyinka tafaariiqda ee isticmaalaya adeegga. Tan waxaa ku jira dukaamada sida Walmart , Target , Adidas , iyo kuwo kale. 

Xaqiijinta^(Affirm) way ka duwan tahay beddelka kale ee Lacag-bixinta dambe^(Afterpay) , maadaama ay soo dalacdo ribo, in kasta oo ay tahay dulsaar fudud oo ka soo horjeeda dulsaarka isku dhafan. Markaa waxaad si sax ah u ogaan doontaa inta aad u baahan tahay inaad hore u bixiso, lacagtaasina isma beddeli doonto muddo ka dib. 

Sidoo kale laguma dalaci doono wax kharash ah ama ganaax ah haddii aad ilowdo inaad lacag bixiso. Gaar ahaan iibsiyada waaweyn, Afirm^(Affirm) waa doorasho wanaagsan. 

3. Sezzle

Sezzle wuxuu aad ugu eg yahay adeegyada kale ee dambe ee mushaharka taasoo u qaybisa lacag-bixinta afar kordhin lix toddobaad gudahood. Sidoo kale waa bilaa dulsaar, waxaanad heli kartaa ilaa saddex lacagood oo dib loo dhigay si aad u kordhiso dabacsanaanta lacagahaaga. 

Si kastaba ha ahaatee, Sezzle wuxuu dalacayaa ujrada xaaladaha qaarkood haddii aadan ku dhammaystirin lacag bixinta waqtigii loogu talagalay, ama marka labaad ama saddexaad ee dib loo dhigo lacag bixinta. Si kastaba ha ahaatee, waa adeeg wanaagsan in la isticmaalo, si kastaba ha ahaatee, in lagu dukaameysto ganacsiyada yaryar iyo kuwa waaweyn iyo sidoo kale ganacsiyada laga yaabo in aan horey loogu shurakoobin Afterpay^(Afterpay) . 

4. Klarna

Klarna waxaa loo isticmaalaa dukaamo badan oo online ah^{(online retailers)} , sida Amazon , H&M, iyo Adidas , iyo kuwo kale. Waxaad sidoo kale isticmaali kartaa app-ka Klarna si aad si fudud uga baadho dukaan kasta oo la heli karo si aad wax uga iibsato. Adeegani wuxuu u shaqeeyaa si la mid ah kuwa kale oo badan, maadaama aad ku bixiso afar kordhin oo aan dulsaar lahayn muddo ka dib. 

Klarna , waxaad^(Klarna) bixinaysaa labadii toddobaadba mar, wadar ahaan siddeed toddobaad haddii aad lacag kasta ku bixiso wakhtigeeda. Waxa kale oo aad u baahan tahay oo kaliya inaad bilowdo bixinta 30 maalmood ka dib markaad hesho alaabta, si aad u go'aansato inaad rabto inaad soo celiso wixii aad soo iibsatay. Klarna waxa kale oo ay leedahay adeeg maaliyadeed oo aad u isticmaali karto lacag-bixinno waaweyn, oo aad dib ugu bixiso 6-36 bilood gudahood. 

Klarna waa bedelka weyn ee Afterpay sababtoo ah waxay leedahay astaamo badan oo isku mid ah, waxaana loo adeegsadaa ganacsiyo badan oo waaweyn si aad ugu adeegsato adeega meel kasta. Waxa kale oo ay leedahay sifo la mid ah Quadpay oo kuu ogolaanaysa in aad adeegsato adeega dukaanka dhexdiisa adiga oo ku siinaya kaar hal mar ah jeebka Apple ama Google , ka dibna aad ku bixiso iibsashadaada afar kordhin ka dib. 

5. Kala qaybsanaan^(Splitit)

Splitit waxay leedahay shuraakado tafaariiqeed badan oo aad ka soo iibsan karto ka dibna adeegooda u isticmaal inaad ku bixiso isla nidaamka kordhinta 4-bixinta ee ay isticmaalaan adeegyada kale ee lacag bixinta dambe. Splitit , waxaad isticmaashaa kaarka^(Splitit) deynta ama kaarka deynta oo aad ku xirto adeega si aad markaas ugu bixiso qayb qayb. Tani sidoo kale waa ikhtiyaar kale oo aan dulsaar lahayn. Sidoo kale ma jiraan wax khidmad ah oo daahsan oo leh Splitit . 

Markaa Splitit , meel kasta oo aad ku isticmaali karto Visa ama Mastercard credit ama kaarka deynta, waxaad isticmaali kartaa adeeggan. Taasi waxay la macno tahay inay meel kasta ka shaqayn doonto. Waa doorasho wanaagsan marka laga reebo Afterpay^(Afterpay) haddii uu jiro bakhaar aad rabto inaad ka iibsato kuwa kale aan horeba shuraako ula ahayn. 

Isticmaalka Iibka Hadda Bixi Adeegyada Dambe^{(Using Buy Now Pay Later Services)}

Adeegyadani waa beddelaadyo wanaagsan oo Lacag-bixinta^(Afterpay) ka dambeeya si aad wax u iibsato oo laga yaabo inaadan si kale u awoodin, ama aad u awoodo inaad bixiso lacag-bixinaha waqti ka dib si aad ugu habboonaato miisaaniyaddaada. Gaar ahaan maadaama qaar badan oo iyaga ka mid ah ay leeyihiin wax yar oo aan dan lahayn, uma baahnid inaad ka walwasho wax deyn urursan. 

Ikhtiyaaradan oo dhan, hadda waxa suurtogal ah inaad u isticmaasho habka dambe ee lacag bixinta wax kasta oo aad rabto inaad ka iibsato, ha ahaato onlayn ama dukaanka dhexdiisa. Kaliya^(Just) iska hubi inaad raacdo habka saxda ah ee adeeg kasta oo waxaad ku raaxaysan doontaa wax iibsigaaga cusub^{(enjoying your new purchases)} waqti yar gudaheed. 

5 Best Afterpay Alternatives to Shop Now and Pay Later

If you’re an avid online shopper, you may have noticed or even used a service called Afterpay. This is a company that partners with online retailers to give their customers the option to pay for their product in increments over a certain period of time.

Afterpay isn’t actually the only service like this out there, though. There are quite a few others which offer a similar way to pay for your online buys. These services have some different features than Afterpay does, so if you enjoy using that but are wondering what else is out there, it’d be worth it to look into these other companies. 

So here are the best Afterpay alternatives to use while you shop.

1. Quadpay

This pay later service is very useful as you can use it with any store that accepts Visa, not just specific partners with the company. This means you can do four payment installments on nearly any purchase online. 

This service works by essentially giving you your own card through Quadpay, which you can then use to pay for your purchases. Then, through the app, you can pay it back over a six-week period. You can also use this card for in-store purchases by using it with your Apple or Google wallet.

This payment method is also interest-free, meaning you won’t have any added charges for using the service, you simply just pay for what you bought. 

2. Affirm

If you need a more flexible payment schedule, Affirm allows you to choose in what time span you pay for your purchases. You can choose to use Affirm at checkout with the retail partners using the service. This includes stores like Walmart, Target, Adidas, and more. 

Affirm is a bit different than other Afterpay alternatives, as it does charge interest, though it is simple interest as opposed to compound interest. So you’ll know exactly how much you’ll need to pay up front, and that amount won’t change over time. 

You also won’t get charged any late fees or penalties if you forget to make payments. Especially for larger purchases, Affirm is a good choice. 

3. Sezzle

Sezzle is very similar to the other pay later services in that it splits up payments into four increments over six weeks. It’s also interest-free, and you can get up to three rescheduled payments per order to maximize flexibility with your payments. 

However, Sezzle does charge fees in certain situations if you don’t complete a payment on time, or on your second or third rescheduled payment. It’s a good service to use, however, to shop with small and large businesses as well as businesses that may not already be partnered with Afterpay. 

4. Klarna

Klarna is used with lots of large online retailers, such as Amazon, H&M, and Adidas, among others. You can use the Klarna app as well to easily search through every store available to buy from. This service works the same as many of the others, as you pay in four interest-free increments over time. 

With Klarna, you pay every two weeks, for a total of eight weeks if you make each payment on time. You also only need to start paying 30 days after you receive the product, so you can decide whether you want to return what you bought. Klarna also has a financing service you can use for larger payments, and pay back within 6-36 months. 

Klarna is a great alternative to Afterpay in that it has many of the same features, and is used with many large businesses so that you can use the service almost anywhere. It also has a feature similar to Quadpay that allows you to use the service in-store by giving you a one-time card in your Apple or Google wallet, and then pay for your purchase in four increments afterwards. 

5. Splitit

Splitit has many retail partners that you can shop at and then use their service to pay in the same 4-payment increment system used by other pay later services. With Splitit, you use your existing credit or debit card and connect it to the service so that you can then pay by installments. This is also another interest-free option. There are also no late fees with Splitit. 

So with Splitit, anywhere that you can use a Visa or Mastercard credit or debit card, you can use this service. That means it will work nearly anywhere. It’s a good option aside from Afterpay if there is a store you want to buy from that others aren’t partnered with already. 

Using Buy Now Pay Later Services

These services are great Afterpay alternatives to make purchases you may not otherwise be able to, or to be able to spread out payments over time to fit your budget. Especially since many of them have little to no interest, you don’t need to worry about any accumulating debt. 

With all these options, it’s now possible to use the pay later method for virtually anything you want to buy, either online or in-store. Just make sure you follow the correct method for each service and you’ll be enjoying your new purchases in no time. 

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