11 Best Buy Now Pay Later Shopify Apps!

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buy now pay later shopify apps

Last Updated: April 2024

Looking to enhance your Shopify store with flexible payment options? Discover the perfect solution with our roundup of the “11 Best Buy Now Pay Later Shopify Apps!” 

Embrace the convenience and flexibility of buy now pay later options, as we guide you through the top-notch apps designed to elevate your customers’ purchasing journey. 

Explore these innovative tools to seamlessly integrate buy now pay later functionality into your Shopify platform, providing a hassle-free and attractive payment experience for your clientele.

1) SpurtIT Installment Invoices

Rating: 3.8/5

Pricing: Plans begin at $4.95/month with a generous 90-day free trial.

Elevate customer satisfaction and foster loyalty by introducing a seamless “Buy Now, Pay Later” experience with this installment payment solution.

Key Features

    • Flexible Payment Plans: Tailor payment plans based on your customers’ preferences and set the quantity and period of payments for each product.
    • Adjustable Initial Payment: Empower customers by allowing them to choose an initial payment amount ranging from 0% to 99%. 
    • Variety of Installment Rules: Customize installment rules to suit specific products or apply them across your entire store. 
    • Easy Customization Tools: Maintain a consistent brand experience while seamlessly integrating the “Buy Now, Pay Later” feature into your store.
    • Installment Recurring Invoices: Streamline the payment process with automatic installment recurring invoices. 

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2) Klarna On-Site Messaging

buy now pay later shopify apps

Rating: 2.7/5

Pricing: Free

Unlock the power of flexible payments and elevate your online shopping experience with Klarna On-Site Messaging. 

Tailored for those seeking versatile payment options, this app seamlessly integrates into your platform, providing customers with a hassle-free and transparent path to purchase. 

Key Features

    • Promotion of Payment Options: Increase sales by prominently promoting the availability of payment options, especially Klarna.
    • Customized and Personalized Messaging: Create customized banners and promotions, strategically placed on various pages such as product, cart, and more.
    • Order Data Sharing and Inventory Control: Optionally extend order data sharing to enhance efficiency and prevent inventory oversells.

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Recommended: 7 Best Promotion Popup Shopify Apps in 2024

3) Razorpay

Rating: 3.8/5

Pricing: 2% fee on all transactions, inclusive of platform fees, with no setup or annual maintenance charges, subject to 18% GST.

Razorpay serves as an ideal buy now pay later platform for India-based stores. It supports various payment methods, including instant settlements, and a commitment to delivering a seamless checkout experience.

Key Features

    • Complete Payment Solution: Covers the entire spectrum of business payment processing needs. 
    • Payroll Automation: Automate payroll tasks with Razorpay, reducing manual efforts and ensuring accurate and timely salary disbursements.
    • Diverse Payment Options: From credit/debit cards to UPI and wallets, businesses can cater to a broad audience.
    • Instant Settlements: Experience rapid access to funds with Razorpay’s instant settlement feature. 
    • Wide Integration Support: Razorpay offers wide-ranging integration support, making it compatible with various platforms and systems. 
    • API-Driven Automation: Leverage the power of API-driven automation to enhance efficiency and optimize processes.

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4) Splitit

buy now pay later shopify apps

Rating: 3.8/5

Pricing: Contact for more info.

Discover the future of seamless and customer-friendly payments with Splitit, a revolutionary solution that transforms the purchasing experience for shoppers and merchants alike. 

Key Features

    • Frictionless Payments: Splitit ensures a frictionless payment process, allowing customers to effortlessly split their purchases into manageable, interest-free installments using their existing credit cards.
    • White-Label Installments: Tailor the payment experience to match your brand seamlessly. 
    • No Credit Check: Simplify the customer journey with Splitit’s no credit check requirement. 
    • Merchant Control: Merchants have control over the installment process, allowing for easy customization and seamless integration into their business model.
    • No Impact on Credit Rating: The absence of credit checks ensures that customers can leverage Splitit without any impact on their credit rating.

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5) Shop Pay

Rating: 3.8/5

Pricing: You need to check eligibility first.

Introducing Shop Pay Installments, Shopify’s native Buy Now Pay Later (BNPL) service that seamlessly integrates into your online store. 

This all-in-one solution allows your customers to experience the convenience of paying in four interest-free installments or choosing monthly payments for up to 12 months. 

Key Features

    • All-in-One Shopify Integration: Shop Pay Installments offers a fully integrated solution within the Shopify platform. 
    • Full Upfront Payment: Regardless of the chosen payment plan—four interest-free payments or monthly installments for up to 12 months—Shop Pay Installments ensures merchants receive full upfront payments. 
    • Supports Order Tracking: Enhance customer satisfaction with Shop Pay Installments’ support for order tracking. 

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6) Afterpay

buy now pay later shopify apps

Rating: 4.8/5

Pricing: Custom

Afterpay, a renowned Buy Now Pay Later Shopify app, offers a convenient and flexible payment solution for both customers and merchants. 

Your customers can benefit from quick approvals, secure payments, and the freedom to indulge in purchases without undergoing a credit check.

Key Features

    • Payment Within 48 Hours: Merchants receive prompt payment for sold items within 48 hours.
    • No Credit Check for Customers: Afterpay eliminates customers’ need for credit checks.
    • Purchases Split Into Four Payments: Afterpay’s unique model divides purchases into four interest-free payments.
    • % APR: Enjoy interest-free payments, providing customers with an affordable and accessible payment option.

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7) Sezzle

Rating: 4.7/5

Pricing: Offers a demo, plans begin at $15/month.

Sezzle empowers you to enhance the customer experience for your store by offering the flexibility to pay in four easy monthly installments.

Small e-commerce stores benefit from Sezzle’s seamless integration, convenient widgets, and comprehensive setup checklist, making BNPL options accessible to a broader audience.

Key Features

    • Soft Credit Check: Sezzle incorporates a soft credit check for customers, allowing for a streamlined approval process without impacting their credit score.
    • Supports Long-Term Financing: Sezzle goes beyond short-term solutions by supporting long-term financing options.
    • Built-in Invoicing Tool: Benefit from a comprehensive system that facilitates invoicing, contributing to a seamless payment process.
    • Payment Rescheduling: Customers enjoy the flexibility to reschedule payments, enhancing their control over the BNPL experience.

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8) Affirm

buy now pay later shopify apps

Rating: 2.5/5

Pricing: Custom

Affirm simplifies the shopping experience with high purchase limits, making it comparable to a more traditional loan service. 

This versatile payment solution extends beyond online transactions, offering omnichannel payments across e-commerce, in-person stores, and even phone transactions.

Key Features

    • High Purchase Limit: Affirm stands out with its high purchase limits, making it a robust option for larger transactions. 
    • Longer Terms Available: Affirm offers flexibility with longer financing terms, allowing customers to choose the duration that best fits their financial preferences.
    • 0% APR Available: Customers can benefit from 0% APR options, providing an interest-free payment experience for those seeking cost-effective ways.
    • Up to 48 Months of Financing: Affirm offers extended financing terms.
    • No Late Fees for Customers: The absence of late fees enhances the customer-friendly nature of Affirm.

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9) Laybuy

Rating: 3.3/5

Pricing: Get in touch with them to know more.

Laybuy introduces a hassle-free payment experience, allowing customers to split their purchases into six interest-free weekly installments. 

With Laybuy, merchants enjoy immediate upfront payments, reduced fraud risk, and a comprehensive dashboard, while customers benefit from the affordability of interest-free installment plans.

Key Features

    • 6 Weekly Interest-Free Installments: Laybuy allows customers to divide their purchases into six interest-free weekly installments.
    • Instant, Upfront Payment: Merchants experience the advantage of immediate payments from Laybuy.
    • Integrations: Laybuy seamlessly integrates with a variety of e-commerce and point-of-sale platforms.
    • Reduced Fraud Risk: Merchants enjoy reduced fraud risk, as Laybuy assumes credit and fraud risks.

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10) Zip

buy now pay later shopify apps

Rating: 4.4/5

Pricing: 4% of the transaction value.

Zip introduces a user-friendly payment service designed to enhance the shopping experience for budget-conscious consumers.

Key Features

    • 4 Installments Over 6 Weeks: Zip offers the convenience of splitting purchases into four easy payments spread over six weeks.
    • Wide Acceptance: Zip’s wide acceptance ensures that it can be used almost anywhere that accepts Visa.
    • No Impact on Credit Score: One of Zip’s standout features is its ability to offer a payment solution without impacting the user’s credit score.

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11) Perpay

Rating: 3/5

Pricing: Custom

Perpay stands as a forward-thinking financial technology platform that transforms the shopping experience by offering flexible payment options. 

With Perpay, users can shop for a variety of products and pay for them over time, allowing for convenient and budget-friendly purchases. 

Key Features

    • Credit Building: By reporting payment history to credit bureaus, Perpay contributes to the potential improvement of users’ credit scores over time.
    • Personalized Spending Limit: Perpay offers a personalized spending limit for users, ensuring that their shopping experience aligns with their financial capacities and goals.
    • Transparent Pricing: Perpay prioritizes transparent pricing, ensuring users are aware of the costs associated with their purchases.
    • Zero Membership or Late Fees: The absence of membership or late fees adds to the user-friendly nature of Perpay.

Conclusion

The 11 Best Buy Now Pay Later Shopify apps listed above emphasize the importance of flexible payment options in e-commerce. 

By integrating these tools, you can stay competitive, foster customer loyalty, boost conversions, and position yourself for future success. Additionally, if you need to provide top-notch customer support to your customers, consider Saufter.

Saufter is a helpdesk designed specifically for E-commerce thus it incorporates features like 24/7 order tracking and delay updates along with automated returns management. Moreover, if you sign up now, you can explore the helpdesk free for 15 days!

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