CyberCurious.net | Trusted Tech Insights

Top 5 buy now, pay later apps to check out right now

In recent years, buy now, pay later (BNPL) apps have become increasingly popular. These apps are convenient for users because they allow them to divide their purchases into equal, small payments. At times, with no interest and late fees. Users can find small and long-term financing options for various purchases. Some apps also feature loyalty programs that can be coupled with rewards, in-app purchases, and discounts to help save on purchases. Here are 5 apps one can check out:

Affirm
Available on both Apple and Android, Affirm is one of the most reliable BNPL apps for phones. Users can access various financing options covering a wide range of purchases. The app offers simple payment options for both small as well as big purchases. When buying via Affirm, users also get an idea about their monthly payable amount against the purchase. With its allowance for high-ticket items, Affirm is equivalent to loans that can be repaid within a set period. The platform integrates with numerous e-commerce platforms and usually has a no-late fee clause.

PayPal
PayPal is a popular payment gateway available globally. It has recently entered the short-term repayments market. The Pay in 4 by PayPal is a service available to the citizens of the country that distributes their purchases into 4 equal repayment amounts. However, it must be noted that the first repayment would be due at checkout. The other three payments would be equally distributed over six weeks, each due every two weeks. Pay in 4 is available as an option with most retailers that support the PayPal platform.

Sezzle
Sezzle was founded in 2016 and has grown to become one of the most frequented platforms for individuals looking for deferred payment loans. Sezzle, like Pay in 4, offers a repayment installment that involves 4 payments. The repayment plan starts at checkout, with each consecutive payment due at the two-week mark from the previous one. If individuals miss a payment, they are charged a $10 fine and a $5 fine if they reschedule any payments. The reschedule option is a feature that can sway people into using Sezzle over other BNPL apps. Additionally, users’ activity does not impact their credit score.

Afterpay
Afterpay is a BNPL app that offers pay-in-four and monthly payments options to its users. Like most other apps, Afterpay also needs users to make their first payment at checkout. It also offers interest-free loans for their pay-later buyers. However, for people who forget payments, Afterpay can be expensive since they charge late fees. The penalties can amount to up to 25% of the cost of the purchase. The application is user-friendly, and it integrates with their supported retailers. Alternatives to Afterpay include using their website or the Afterpay card.

Klarna
Klarna is another BNPL application individuals can easily access on their phones. It offers customers three different repayment options for their purchases. Short-term repayment options include a single payment in 30 days and 4-interest-free payments distributed over six weeks with payment due every two weeks. Moreover, a long-term repayment option is also available that can last from 6 to 36 months. However, customers should know that Klarna charges late fees along with interest on their long-term financing features.

Popular Reads

6 important benefits of using 1Password

Many websites ask customers and businesses to create password-protected accounts to use certain services. These include social media apps, OTT platforms, e-mail applications, and more. However, remembering passwords, especially when users create over a hundred accounts, is not easy. What’s more, the data is often vulnerable to malicious attacks. That’s where one should consider using 1Password, a private, secure, and user-friendly password management software. Here are the features customers or businesses get with 1Password. Clipboard management Users often copy a password to the clipboard and forget about it, leaving the system vulnerable to others who can access their data with a simple “copy” and “paste.” With Clipboard management, the software can be programmed to remove passwords from a clipboard automatically. Deleting sensitive information from the clipboard also ensures that the third-party app does not store sensitive data. Auto-lock Users often forget to lock their system when they are away from their work desk, thus leaving their system vulnerable to other individuals. Here’s where 1Password can also automatically lock the device when a user is away to safeguard sensitive information. Secure remote password It is a common practice for most websites to send passwords to servers when a user attempts to sign in.

6 tips to pick the right business management software

Running a business involves dealing with lots of data, like finance figures, employee information, and logistics details. Handling this data manually can become tedious and daunting and may even lead to errors. That’s why ventures of all sizes prefer business management software, which can help centralize information from various departments to streamline process control. For businesses that require assistance selecting a software solution, here are six tips to help with that decision. Understand the company’s requirements One must first understand the company’s requirements to find the precise software. The individual must determine what aspects of the business require software integration. These could include finance, logistics, customer relationship management (CRM), invoicing, or email marketing. One should pick software that meets all the company’s needs. Consider ease of use Some business management software solutions have a clustered interface. Such an interface could make it difficult for the business to operate because it will have to train new staff continuously to use the software. So, one must pick an option that offers top-notch features and integrates beautifully into a simple, easy-to-operate interface. Compare features One must check the features of different software before choosing. The best ones will have various features, from primary inventory management to complex accounting functions.

6 advantages of cloud-based management software

Workspaces are constantly evolving these days, with many organizations shifting to a remote or hybrid work environment. This change has been supported by the rise of cloud computing, such as cloud-based business management software, project management software, accounting software, and more. Cloud computing has transformed data storage and access, resulting in increased flexibility and scalability. Read on to learn more about how businesses can gain by shifting to cloud-based management software. Better access to data With many companies shifting to hybrid work styles, making data available to the employees for seamless functioning is important. Cloud-based business management software enables this shift. It allows one to access company data from any device connected to the internet by logging into the online hub. People can collaborate and work in real-time across the world without having to constantly update each other or share details personally, improving overall productivity. Additionally, this software allows businesses to put multiple authorization checks in place to limit the number of people who have access to certain sensitive data. Improved job satisfaction Cloud-based management software makes managing projects easier, reducing the administrative workload on the team. This allows employees to have greater autonomy and responsibility for their work, which helps improve productivity, job satisfaction, and employee retention in the long run.