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

BlueSnap logo
No reviews

Global payment orchestration with local acquiring in 50 countries, published regional fee schedules and intelligent routing with failover.

2.9% + $0.30

online rate

$0 above $5,000 sales

monthly fee

2-day

payout

Multi-region ecommerce
B2B and AR automation
Platforms and marketplaces
+1
Dodo Payments logo
No reviews

Merchant of record for SaaS, AI and digital products. It becomes the legal seller on every order and handles the VAT, GST and sales tax that follow.

4% + $0.40 in the US

online rate

$0 per month

monthly fee

Varies

payout

SaaS and AI products
Indie developers
Global tax compliance
+1
Windcave logo
No reviews

New Zealand-based omnichannel processor and acquirer covering online, in-store and unattended payments in more than 40 countries.

Custom quote

online rate

Custom quote

monthly fee

Next day

payout

Omnichannel retail
Unattended payments
Enterprise
+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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