Commerce · alternatives · 2026

24 alternatives to FlexPay by Trustly

Empower Consumers to Pay Now or Later with Open Banking

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. FlexPay by Trustly launched in 2022; newer entries below may have overtaken it.

1. 1
   Ramp Flex▲127

   The most flexible way to pay your vendors, ever

   2022 · ramp.com · its alternatives →

2. 2
   Flex Finance▲57

   Business spend management with cards and approvals

   May 2026 · useflexfinance.com · its alternatives →

3. 3
   Trustbond▲166

   Eliminating rental deposits. Enabling access to homes.

   2017 · its alternatives →

4. 4
   Shakepay Instant▲323

   Pay with Bitcoin with instantly generated VISA cards 💳

   2016 · chromewebstore.google.com · its alternatives →

5. 5
   Underpay▲75

   Bank-to-bank payments that grow your business

   2023 · its alternatives →

6. 6
   Flexilay Layby & Payment Scheduling▲2

   Modern LayBy & Flexible Payments for Growing Businesses

   Jun 2026 · flexilay.com · its alternatives →

7. 7
   Affirm▲289

   The future of credit, now on your homescreen.

   2017 · affirm.com · its alternatives →

8. 8
   Trustly Instant Payouts▲3

   Real-time payouts in seconds

   2021 · trustly.com · its alternatives →

9. 9
   PangoPay▲76

   Get paid faster.

   2020 · its alternatives →

10. 10
    Current Student Account▲170

    Bringing allowances into the digital age

    2017 · current.com · its alternatives →

11. 11
    Streamlined▲153

    B2B payments built for global commerce

    2023 · streamlinedpayments.com · its alternatives →

12. 12
    Finlyt▲93

    Buy now and pay later with easy and fixed monthly payments

    2016 · finlyt.com · its alternatives →

13. 13
    Soon▲86

    Reimburse your spending w/ crypto gains, powered by OpenAI

    2023 · soon.app · its alternatives →

14. 14
    Shakepay▲153

    The money app for Canadians

    2024 · shakepay.com · its alternatives →

15. 15
    Offset – Credit card powered by trust between people▲150

    2020 · offsetcredit.org · its alternatives →

16. 16
    SuperPay Recurring▲102

    Recurring payments for customers made simple

    2019 · superpayit.com · its alternatives →

17. 17
    WePay Clear ▲97

    Build your own payments product fast with zero risk

    2014 · its alternatives →

18. 18
    CreatePay▲88

    Secure instant payments for the creator economy

    2023 · soundsmith.io · its alternatives →

19. 19
    Productfy▲82

    The most advanced platform for building fintech applications

    2020 · its alternatives →

20. 20
    Finly▲68

    Personalized credit card finder

    2023 · finlywealth.com · its alternatives →

21. 21
    delegare▲70

    Hi guys, am building SecureLend.ai and when working on our underwriting agents (free trial, paid after) I had issues with seamless payment options. Of course I looked at x402 which I believe is a great protocol but not a fan of a) sharing private keys with the agent b) having a human in the loop or c) similar workaround e.g. pre-funded wallets So I started building out a solution. For my use case it was important to not only have stablecoins but also a fiat rail which is now implemented using Stripe. Initially I build a mandate system internally but am very glad and big shoutout to the guys…

    Apr 2026 · delegare.dev · its alternatives →

22. 22
    RelayPay▲65

    Spend your crypto, your way

    2020 · relaypay.io · its alternatives →

23. 23
    Approvely.io▲21

    Stripe for high risk merchants

    2020 · its alternatives →

24. 24
    Paysemble™▲14

    Optimize transactions with paysemble

    2024 · opustechglobal.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →