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.

5 processors

Stripe logo

Stripe

Verified
Sponsored
4.5(4)

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
4.5(4)

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
4.5(4)

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.
PayPal logo
4.5(4)

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.
PayU logo
4.5(4)

Emerging-market payments across 50+ markets and local methods.

2% – 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.

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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