Buy now, pay later
Learn about buy now, pay later methods with Stripe.
Buy now, pay later methods let customers pay in instalments over time. You’re paid immediately and in full and your customers pay nothing or a portion of the total at purchase time. Buy now, pay later methods are often used by:
- Retailers selling high-value goods and services such as luxury items or travel fares that want to boost conversion.
- Retailers selling low value goods and services that want to increase average cart size and reach new customers who might not have credit cards.
- Regional banks that allow consumers to split credit card payments over multiple billing cycles.
Read our Buy Now, Pay Later Guide for more information.
Get started
You don’t have to integrate buy now, pay later payment methods individually. Dynamic payment methods are enabled by default and let you configure payment methods in the Dashboard without writing code. Stripe handles the logic for dynamically displaying the most relevant eligible payment methods to each customer. You can use dynamic payment methods with standard Checkout integrations. Get started by:
- Creating a Stripe-hosted page
- Embedding a payment form on your site
- Building a checkout page with embedded components
- Using the Hosted Invoice Page
You can manually list buy now, pay later payment methods if you build your own payments form. Read the docs for the specific payment method to understand how to add it to your integration.
Payments
At checkout, the customer chooses to pay with a buy now, pay later service. Then the customer creates or logs into an account with the buy now, pay later provider. Next, the customer accepts or declines the terms of the repayment plan, and then returns to the business’ site.
Product support
| Payment method | Connect | Checkout | Payment Links | Payment Element | Express Checkout Element | Mobile Payment Element | Subscriptions | Invoicing | Customer Portal | Terminal |
|---|---|---|---|---|---|---|---|---|---|---|
| Affirm | 1,2 | |||||||||
| Afterpay/Clearpay | 1,2 | Private preview | ||||||||
| Alma | 1,2 | |||||||||
| Billie | 1,2 | |||||||||
| Capchase Pay | 1,2 | |||||||||
| Klarna | 1,2 | Private previewSign up | ||||||||
| Kriya | 1,2 | |||||||||
| Mondu | 1,2 | |||||||||
| Scalapay | 1,2 | |||||||||
| SeQura | 1,2 | |||||||||
| Sunbit | 1,2 | |||||||||
| Zip | 1,2 |
1 Not supported when using Checkout in subscription mode.2 Not supported when using Checkout in setup mode.
API support
| Payment method | API enum | PaymentIntents | SetupIntents | Manual capture | Setup future usage1 | Requires redirect2 |
|---|---|---|---|---|---|---|
| Affirm | affirm | Yes | ||||
| Afterpay/Clearpay | afterpay_ | Yes | ||||
| Alma | alma | Yes | ||||
| Billie | billie | Yes | ||||
| Capchase Pay | capchase_ | Yes | ||||
| Klarna | klarna | Yes | ||||
| Kriya | kriya | Yes | ||||
| Mondu | mondu | Yes | ||||
| SeQura | sequra | Yes | ||||
| Sunbit | sunbit | Yes | ||||
| Zip | zip | Yes |
1 Cards and bank debit methods including SEPA debit, AU BECS direct debit, and ACSS debit support both on_ and off_ with set up future usage. All other payment method types either don’t support setup_ or only support off_.2 Payment methods might require confirmation with return_url to indicate where Stripe should redirect your customer after they complete the payment.
Transaction support
| Payment method | Customer country | Repayment options | Transaction limit |
|---|---|---|---|
| Affirm1 | Canada, United States |
| 50 USD minimum; 30,000 USD maximum or local equivalent- |
| Afterpay/Clearpay | Australia, Canada, New Zealand, United Kingdom, United States |
| 1 USD minimum; 4,000 USD maximum or local equivalent |
| Klarna | Australia, Austria, Belgium, Canada, Czechia, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, New Zealand, Norway, Poland, Portugal, Spain, Sweden, Switzerland, United Kingdom, United States |
| 10 USD minimum or local equivalent. (Amounts over 5,000 USD for financing possible; maximum varies by customer) |
| Meses sin intereses | Mexico | Extend payments over 3 to 24 months of billing cycles | Minimum transaction amount of 100 MXN per month of extension |
| Zip2 | Australia, United States (Invite Only) |
| 0.01 AUD minimum. 50,000 AUD maximum for Australia or 35 USD minimum and 1,500 USD maximum for United States** |
1 The maximum credit limit for Affirm is 20,000 USD or 20,000 CAD. However, Affirm supports transactions up to 30,000 USD or 30,000 CAD. These transactions require a down payment from the customer at time of purchase. Term lengths and cart ranges are determined by Affirm and may change at their discretion.2 Zip Australia offers two products, Zip Pay with a credit limit of 1,000 AUD and Zip Money with a maximum credit limit of 50,000 AUD depending on the users’ eligibility. Zip US offers Pay in 4 with transactions up to 1,500 USD.
Adding on-site messaging to your website
Let your customers know you accept one or more of these payment methods by including the Payment Method Messaging Element on your product and cart pages.