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.

15 processors

Stripe logo

Stripe

Verified
Sponsored

Developer-first payments infrastructure for internet businesses.

2.9% + $0.30

online rate

$0

monthly fee

2-day

payout

Developers
SaaS
Marketplaces
Rated 4.5 out of 5 from 4 reviews.
Razorpay logo

Razorpay

Verified
Sponsored

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

2%

online rate

₹0

monthly fee

T+2

payout

India
Developers
UPI
Rated 4.5 out of 5 from 4 reviews.
Adyen logo

Adyen

Verified

Enterprise-grade global payments on a single platform.

Interchange + 0.60% + $0.13

online rate

$0

monthly fee

T+2

payout

Enterprise
Global
Omnichannel
Rated 4.5 out of 5 from 4 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
Rated 4.5 out of 5 from 4 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
Rated 4.5 out of 5 from 4 reviews.
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
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
Worldpay logo
No reviews

Global enterprise acquirer processing 55 billion transactions a year across 174 countries, now owned by Global Payments.

Custom quote

online rate

Negotiated

monthly fee

Next day

payout

Enterprise acquiring
Multi-country retailers
Platforms and PayFacs
+1

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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