Payment processors with buy now, pay later

Buy now, pay later (BNPL) lets customers split a purchase into instalments while you get paid up front, which can raise average order value. These processors offer BNPL directly or through integrated providers.

16 processors

Stripe logo

Stripe

Verified
Sponsored
No reviews

Developer-first payments infrastructure for internet businesses.

2.9% + $0.30

online rate

$0

monthly fee

2-day

payout

Developers
SaaS
Marketplaces
Razorpay logo

Razorpay

Verified
Sponsored
No reviews

India's developer-friendly payments and business banking suite.

2%

online rate

₹0

monthly fee

T+2

payout

India
Developers
UPI
Adyen logo

Adyen

Verified
No reviews

Enterprise-grade global payments on a single platform.

Interchange + 0.60% + $0.13

online rate

$0

monthly fee

T+2

payout

Enterprise
Global
Omnichannel
Mollie logo
No reviews

European payment service provider with published per-transaction pricing, deep local method coverage and no monthly fee for online payments.

1.8% + EUR 0.25

online rate

EUR 0 online

monthly fee

Varies

payout

European ecommerce
Small business
Marketplaces
+1
Airwallex logo
No reviews

Global payments and business accounts with FX at 0.5 to 1 percent over interbank and free local payouts to 120+ countries.

2.80% + $0.30 US

online rate

$0 US Explore plan

monthly fee

Varies

payout

Cross-border sellers
Multi-currency treasury
Global payouts
+1
Solidgate logo
No reviews

Solidgate is a payment orchestration and card-acquiring platform built for global digital subscription businesses that route volume across many acquirers.

Custom quote

online rate

No platform fee

monthly fee

Varies

payout

Subscription apps
Global ecommerce
Payment orchestration
Checkout.com logo
No reviews

Enterprise acquirer with direct licenses across the UK, EEA, US, APAC and MENAP, custom Interchange++ pricing and same-day settlement.

Custom quote

online rate

None

monthly fee

Varies

payout

Enterprise ecommerce
International sellers
Marketplaces
+1
Midtrans logo
No reviews

Indonesian payment gateway owned by GoTo Financial, with a published rate for every method: GoPay, QRIS, virtual accounts, cards and convenience stores.

2.9% + IDR 2,000

online rate

IDR 0 per month

monthly fee

T+3

payout

Indonesian ecommerce
Local payment methods
Small business
+1
Recurly logo
No reviews

Subscription billing and revenue recovery platform that runs on top of 18 payment gateways, from $249 a month plus 0.9% of billing volume.

Set by your gateway, not by Recurly

online rate

$249 on Starter, plus 0.9% of billings above $40,000

monthly fee

Varies

payout

Digital media and streaming
Consumer subscription apps
Failed payment recovery
+1
PayPal logo
No reviews

The widely recognised wallet and checkout button merchants trust.

2.99% + $0.49

online rate

$0

monthly fee

Instant

payout

Small business
Cross-border
Quick setup
Easebuzz logo
No reviews

RBI-licensed Indian payment aggregator for online, offline and cross-border collections, with payouts and reconciliation on the same platform.

Around 1.5% average

online rate

INR 0 per month

monthly fee

Next day

payout

Indian businesses
Education fee collection
Subscriptions
+1
PayU logo
No reviews

Emerging-market payments across more than 50 markets and local methods.

2% to 3% (by market)

online rate

Varies

monthly fee

Varies

payout

Emerging markets
Cross-border
High-risk

Frequently asked questions

How does BNPL affect my payout?
With most BNPL options you receive the full amount up front and the provider takes on the instalment risk, in exchange for a higher fee than a standard card transaction. Compare the BNPL-capable processors here for details.

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