Mozo peoples choice awards 2023

Mozo People’s Choice Awards for Buy Now Pay Later 2023

When it comes to Buy Now Pay Later products, it seems like every bank and provider is trying to get in on this trending territory. We surveyed customers on the BNPL options that give them access to the widest range of retailers, the best value for money, and leave them feeling the most satisfied to find the people’s choice for the best Buy Now Pay Later product.

Most Recommended

Outstanding Customer Satisfaction

Range of Retailers

Value for Money

PayPal logo

PayPal People’s Choice Awards 2023

Outstanding Customer Satisfaction Value for Money Most Recommended
Outstanding%20 customer%20 satisfaction 2023 Value%20for%20 money 2023 Most%20 recommended 2023

One of the major names in online shopping for over 20 years, PayPal expanded to offer a Buy Now Pay Later product in 2021. If you’ve ever used PayPal for extra security in an online payment, now you can get that same experience broken down into 4 instalments. Accepted anywhere that PayPal is, you can split up payments at millions of stores internationally. 

PayPal Pay in 4 also doesn’t charge late fees. With no interest and no sign-up fees, it’s no surprise to see it taking out the People’s Choice award for best Value for Money. It also picked up awards for Outstanding Customer Satisfaction and Most Recommended.

Afterpay logo

Afterpay People’s Choice Awards 2023

Range of Retailers
Range%20of%20 retailers 2023

Home-grown giant Afterpay is practically synonymous with Buy Now Pay Later in Australia. Founded in 2014, this was one of the first BNPL options on the market.

A user-friendly mobile app makes it easy to see what payment plans you have while also finding new local businesses to support, or special offers currently running. Their annual Afterpay Day sale has become a hotly anticipated online shopping event, partnered up with major retailers and smaller brands alike.

With a dual focus on instore and online shopping, Afterpay were the big winners when it came to the Mozo People’s Choice Award for best range of retailers.


What is the best BNPL product?

Choosing the right Buy Now Pay Later option for you is a personal decision that depends on your financial requirements. This can include things like the size of purchase you’re looking to make and the amount of instalments you want to split your payment into. The Mozo People’s Choice Awards are a good starting point for your search, highlighting brands that are mentioned by customers for their value for money, range of retailers, customer satisfaction, and how highly they would recommend them.

Which Buy Now Pay Later products were considered for the Mozo People’s Choice Awards?

There were 25 different Buy Now Pay Later products rated by survey respondents in the 2022 Mozo People’s Choice Awards. To see the full list of brands, see our People’s Choice Awards Methodology Report - September 2022.

How did you determine the winners for each Buy Now Pay Later award?

1,544 Australians were surveyed in the Buy Now Pay Later category. In every category, all providers who received at least 30 responses were eligible for awards. The judges then ranked providers in order by average rating, and then determined an appropriate cut-off point to separate winners from the rest. The winners represent, in general, the top 10% of providers in each category.

More information can be found in our People’s Choice Awards methodology report.