The smartest BNPL tracker

Never miss a Buy Now
Pay Later payment again.

Track every BNPL plan in one place. Get reminders before payments are due. Know your rights and fight unfair fees. We are in your corner.

Free forever. No credit card required.

$847.50
Total Owing
$1,652.50
Total Paid
5
Active Plans
87
Health Score
Af
Nike
Due tomorrow
$62.25
Kl
Sephora
Due in 3 days
$34.75
Am
Best Buy
Due in 5 days
$125.00

Example dashboard — your data stays private

Get started in under a minute

No bank connections. No complicated setup. Just paste and go.

1

Paste any BNPL email

Forward or copy any email from Afterpay, Klarna, Affirm, or any provider. Frizzbee's AI reads it instantly.

2

We do the rest

Frizzbee detects whether it's a new purchase, payment, late fee, or reminder — and takes the right action automatically.

3

Stay on track

Get smart reminders, track your Health Score, and use our advocacy tools if things go wrong. We have your back.

🔒

Why paste instead of connect?

BNPL providers like Afterpay, Klarna, and Affirm do not offer account linking to third-party apps — that is their limitation, not ours. The upside? Your login credentials are never shared with anyone. Pasting an email takes seconds and is actually the most secure way to keep Frizzbee up to date.

Works with all major providers

Afterpay
Klarna
Affirm
PayPal
Zip
Sezzle

Everything you need to master BNPL

Powerful tools that help you stay on top of every payment and take control of your finances.

📊
Unified Dashboard
See every active plan, upcoming payment, and total debt across all providers at a glance.
📧
Smart Email Scanning
Paste any BNPL email and our AI automatically creates plans, logs payments, and tracks late fees.
🔔
Payment Reminders
Set custom reminders for each plan — 1, 2, 3, 5, or 7 days before. Email or SMS alerts.
🏆
BNPL Health Score
A unique 0-100 score that measures your BNPL financial health. Track progress and share it.
🥊
In Your Corner
Consumer advocacy tools, communication templates, and guides to fight unfair fees and know your rights.
📈
Spending Analytics
See where your money goes by provider, category, and month. Spot patterns and cut back.
🎯
Payoff Strategies
Snowball or Avalanche — compare methods and get a personalized plan to become debt-free faster.
💸
Late Fee Tracker
Track every fee you have been charged and see how much you save by paying on time.
🤖
AI Assistant
Ask questions about your plans, get personalized advice, and understand your spending habits.
📅
Payment Calendar
Visual heatmap and week view of all payments. See your entire schedule at a glance.
📝
Communication Templates
Ready-to-send letters for late fee waivers, payment extensions, hardship programs, and disputes.
📄
PDF Statements
Download professional monthly and annual PDF summaries of your entire BNPL activity.
Pro Feature

Stop paying unfair fees. Fight back.

Over 60% of BNPL users who ask for a late fee waiver get one. But most people never ask because they do not know how. Frizzbee Pro gives you professionally written, ready-to-send templates for every situation.

Late fee waiver requests
Payment extension letters
Financial hardship applications
Charge dispute letters
Billing error reports
CFPB complaint preparation
💰
Late Fee Waiver Request
Most popular template

Dear Afterpay Customer Support,

I am writing to request a one-time waiver of the late fee charged to my account...

I have been a responsible Afterpay customer, and this is not reflective of my typical payment behavior...

[ Fill in your details and send in seconds ]

Copy to Clipboard
Open in Email

Simple, honest pricing

Start free. Upgrade when you want more power.

Free
$0
forever
Unlimited BNPL plans
BNPL Health Score
Email reminders
Overdue alerts
Payment timeline
Payment history
In Your Corner advocacy
Quick Add from past plans
Plan notes
Dark mode
Get Started Free
BEST VALUE
Pro
$2.42/mo
Billed annually at $29/year
Everything in Free
Communication templates
AI-powered assistant
Smart email scanning
SMS text alerts
Household tracking (up to 4)
PDF statements (monthly + annual)
Spending analytics + charts
Debt-free countdown
Payoff strategies
Late fee tracker
Achievement badges
Calendar heatmap
CSV export
Provider tips
Priority support
Start Pro — $29/year

Cancel anytime. No commitments.

Pro pays for itself — our late fee waiver templates alone have a 60%+ success rate. Preventing just 2-3 late fees per year saves you more than the subscription costs.

Frequently Asked Questions

Is Frizzbee really free?+

Yes. The free plan includes unlimited plans, reminders, your Health Score, and more. No credit card required. No trial period. Free forever.

How is this different from my BNPL app?+

Afterpay, Klarna, and other apps only show their own plans. Frizzbee shows ALL your plans from every provider in one dashboard with a unified view of your total BNPL debt.

How do I add my plans?+

The fastest way is to paste any BNPL email — order confirmations, payment receipts, reminders, or even late fee notices. Our AI reads the email and automatically creates your plan, logs payments, or tracks fees. You can also add plans manually in about 30 seconds.

Why do I paste emails instead of connecting my accounts?+

BNPL providers like Afterpay, Klarna, Affirm, and others do not offer APIs or account linking to third-party apps. Unlike banks, they simply have not built that technology yet. Pasting emails is actually more secure — your BNPL login credentials are never shared with us or anyone else. It takes just a few seconds and our AI handles the rest.

What is the BNPL Health Score?+

A unique 0-100 score based on your payment history, debt levels, and spending patterns. It helps you understand your BNPL habits at a glance. Nobody else offers this.

Can I cancel Pro anytime?+

Yes. Cancel anytime from your Settings page. You keep Pro access until the end of your billing period. Choose monthly ($3.99/mo) or annual ($29/year, save 39%). Annual plans include a 14-day money-back guarantee.

Is my data safe?+

Absolutely. We use bank-level encryption, row-level security, and never sell or share your data. We do not store payment card numbers — Stripe handles all billing securely.

Take control of your BNPL payments

Join people who use Frizzbee to stay on top of their payments, avoid late fees, and improve their financial health.

Start Free — No Credit Card Needed