Buy now, pay later

Buy now, pay later methods let customers pay in installments 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 like luxury items or travel fares that want to increase 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

In the buy now, pay later checkout process, the customer:

1. Chooses to pay by installments with a buy now, pay later service.
2. Creates or logs into an account with the buy now, pay later provider.
3. Accepts or declines the terms of the repayment plan.
4. Returns to the business’ site.

Product support

API support

Transaction support

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.