Alternatives to IO Pay

Koin Store Credit & Rewards

Payment experience

#1TOP PICK

Strongest fit on feature parity. The most direct functional swap. Shares payment experience feature signature, comparable workflows, and a similar audit-score band — switch costs are usually lowest here.

Downpay: Partial Pay & Deposit

Payment experience

#2RUNNER-UP

Wider scope, slightly different focus. Wider feature surface than the source app's focus area. Useful if you're shopping payment experience alongside adjacent capabilities you'd otherwise integrate separately.

Try Before You Buy with Mirra

Payment experience

#3VALUE PICK

Established alternative with audit-grade listing. Established option with the rating + review depth to be vendor-evaluated. Best when running this category at scale and you can't afford early-stage product surprises.