Top 10 Buy Now Pay Later Apps for Shopify in 2025 (Best BNPL Apps)

E-commerce has changed the way people shop, and customer expectations are higher than ever. Shoppers want speed, convenience, and flexible ways to pay. That’s why Buy Now, Pay Later (BNPL) apps have become a driving force for Shopify merchants in 2025. These apps let customers spread out payments without friction, making products feel more affordable while giving stores a proven way to boost sales and reduce abandoned carts.

Why Buy Now, Pay Later (BNPL) Matters for Shopify in 2025

The way people pay for products has evolved just as quickly as the way they shop. Buy Now, Pay Later (BNPL) allows customers to purchase an item immediately and split the cost into smaller, more manageable installments, often without added interest. This is how buy now pay later works: it removes the upfront payment barrier while giving customers more confidence to complete their orders.

For Shopify merchants, BNPL isn’t just about convenience; it’s becoming a growth driver. Stores that offer flexible payment plans often see higher average order values and fewer abandoned carts, as shoppers feel more comfortable completing purchases when they can spread payments. It’s the same logic behind using the best Shopify apps to increase sales: giving customers a smoother, more flexible shopping experience directly impacts revenue.

Shopify has shared insights on the rise of flexible payments in its BNPL overview, showing why this trend is quickly becoming a standard feature at checkout.

What Makes a Buy Now, Pay Later App the Best for Shopify?

The right BNPL app does more than offer flexible payments; it improves the overall checkout experience, reduces cart abandonment, and increases average order value (AOV). When integrated well, BNPL becomes part of a seamless journey that encourages customers to spend more with confidence.

The best BNPL choice is often the one that feels invisible to the customer, with fast approvals, clear repayment terms, and no extra friction at checkout. When combined with other Shopify checkout optimization apps, these features can make the payment process smoother and more trustworthy. Providers like Klarna and After pay also publish benchmarks that show how flexible payments influence customer behavior, offering useful insights when you’re comparing options.

Top 10 Buy Now Pay Later Apps for Shopify in 2025

Finding the best Buy Now Pay Later apps for your Shopify store depends on what your customers expect and where you sell. From Shopify’s own solution to global giants like Klarna and PayPal, and regional players in India, here are the top 10 Buy Now Pay Later apps making an impact in 2025.

Shop Pay Installments

As Shopify’s native BNPL option, Shop Pay Installments offers seamless integration without the need for extra plugins. Customers can split payments into four equal, interest-free installments at checkout, while merchants still receive the full amount upfront. Because it’s built into Shopify, it delivers a frictionless checkout experience and is highly trusted by buyers.

Klarna

Klarna is one of the most popular Buy Now, Pay Later providers in the world, often appearing at the top when people search for pay apps like Klarna. Known for its sleek user experience, Klarna allows flexible repayment options, from “Pay in 4” to extended financing. It has strong adoption in Europe and North America, making it ideal for Shopify merchants targeting international customers. As one of the most popular pay-later apps like Klarna, it’s a great fit for fashion, lifestyle, and cross-border stores.

Afterpay

Popular among fashion and lifestyle retailers, Afterpay gives shoppers the ability to split payments into four installments with no interest. It’s especially strong in the U.S. and Australia, where customers are already familiar with the brand. Merchants often compare what’s better, Afterpay or Klarna, but the choice depends on geography and audience. Afterpay is ideal for stores targeting younger demographics who value transparency in payments.

Affirm

Affirm is designed for high-ticket purchases, offering longer repayment terms compared to most BNPL apps. Instead of limiting shoppers to short-term installments, Affirm provides financing plans that can stretch over several months, sometimes with interest. This flexibility makes it appealing for Shopify stores selling electronics, furniture, or luxury items.

PayPal Pay Later

As part of PayPal’s global ecosystem, PayPal Pay Later is among the most popular Buy Now Pay Later solutions worldwide. Many customers already trust PayPal, so adoption is high. Shopify stores benefit from instant credibility and global reach, while shoppers enjoy the familiar PayPal interface with added flexibility. It’s a strong choice if your store already uses PayPal as a payment gateway.

Sezzle

Sezzle is particularly appealing to Gen Z and younger millennial shoppers. It offers flexible repayment plans, often with no interest, and emphasizes responsible spending by sending payment reminders. Merchants using Sezzle report higher conversions from younger audiences who are still building credit but want budgeting flexibility.

Splitit

Unlike most BNPL apps, Splitit doesn’t issue new loans. Instead, it uses the shopper’s existing credit card to divide payments into installments. This approach avoids credit checks and makes approvals nearly instant. For Shopify merchants, Splitit works well when targeting higher-income buyers who already have available credit but prefer spreading payments out.

Razorpay BNPL (India)

For Shopify merchants targeting India, Razorpay’s BNPL solution provides seamless integration with Razorpay’s payment suite. It supports multiple repayment options and has strong adoption across Indian eCommerce. Because it’s already trusted as a leading local payment gateway, Razorpay BNPL helps merchants appeal to a wider customer base.

Simpl / LazyPay (India)

Simpl and LazyPay are two of the fastest-growing BNPL providers in India. They allow customers to shop instantly and settle bills later, making them popular among younger, price-sensitive buyers. For Shopify merchants, they’re attractive because they lower barriers to purchase while still ensuring payments. Many consider them buy now, pay later apps with no down payment, which boosts first-time conversions.

ZestMoney (India)

ZestMoney is designed for higher-value purchases, offering flexible installment plans for products that might otherwise be out of reach. With a strong presence in India, it appeals to shoppers who want financing options without relying on a credit card. For Shopify merchants selling mid to high-ticket items, ZestMoney can open up new customer segments and reduce cart drop-offs by making big purchases feel more manageable.

Comparing BNPL Apps: Which One is Best for Your Store?

One of the most common questions merchants ask is “Which Buy Now Pay Later app is best” for Shopify? The reality is, the right choice depends on your products, audience, and location. To help you compare, here’s an overview of the 10 Buy Now Pay Later apps mentioned above, with their typical strengths and coverage.

When evaluating what some Buy Now Pay Later apps are for your store, start with your market. For small or fast-growing brands, Shop Pay and Sezzle are quick to integrate and are trusted by customers. If you sell big-ticket items, Affirm and ZestMoney can give shoppers more time to pay. And for Indian merchants, Simpl, Razorpay, and ZestMoney are among the most widely adopted options.

The best BNPL app is the one that matches your store’s needs and customer expectations. Flexible payments reduce hesitation at checkout and make larger purchases feel easier to commit to. For Shopify merchants focused on turning new visitors into loyal customers, combining BNPL with other Shopify apps that improve first-time conversion can create an even smoother path to growth.

How to Add a Buy Now, Pay Later App to Your Shopify Store

Done right, BNPL becomes part of a frictionless shopping experience. Pairing it with one-click checkout apps helps create a checkout process that is fast, flexible, and highly conversion-focused.

The Future of BNPL in Shopify

The BNPL landscape is evolving quickly, and Shopify merchants should expect more innovation in 2025 and beyond. Alongside established providers like Klarna and PayPal, new Buy Now Pay Later apps are entering the market with localized features and niche offerings. This growing variety means merchants will have more ways to match flexible payment options with their customer base.

Technology will also play a bigger role. AI-powered risk models are making it easier to approve customers instantly while reducing the risk of defaults. At the same time, regulators in several regions are stepping in to ensure BNPL services stay transparent and fair for consumers.

Looking ahead, BNPL will likely integrate more closely with other growth strategies, such as subscriptions and loyalty programs. For Shopify stores, that means flexible payments won’t just close a single sale; they’ll become part of building stronger, longer-term customer relationships.

How to Choose the Best Buy Now, Pay Later App for Shopify Stores

Each of the Buy Now Pay Later apps brings something different to the table. Shop Pay is the easiest choice for Shopify-native checkout, Klarna and Afterpay excel with fashion and lifestyle brands, while Affirm is well-suited for higher-value purchases. PayPal Later adds global recognition, and Indian merchants often turn to Razorpay, Simpl, or ZestMoney for local reach.

The “best” option depends on your store’s needs. If your focus is building trust with first-time buyers, go for widely recognized names. If you sell expensive products, prioritize providers that offer longer repayment terms. BNPL isn’t just a payment feature anymore; it’s becoming part of the customer experience. And when combined with subscription tools like DriftCharge, it can turn casual shoppers into repeat, loyal customers.

FAQs: Buy Now, Pay Later (BNPL) Apps

1. What is a BNPL app?

A Buy Now, Pay Later app lets customers spread out the cost of a purchase into smaller payments instead of paying everything up front. For Shopify stores, these apps integrate directly with checkout, making products feel more affordable while keeping the buying process seamless.

2. Is BNPL safe to use?

Yes, BNPL is safe when you use trusted providers such as Klarna, Afterpay, PayPal, or Shop Pay Installments. Transactions are encrypted, and merchants are paid at the time of purchase. The key is for shoppers to understand repayment terms and avoid missing due dates.

3. What are the risks of BNPL?

For customers, the main risks include overspending or facing late fees if payments are missed. For merchants, the consideration is provider fees, which can sometimes be higher than standard gateways. Choosing a reliable provider and communicating terms clearly helps reduce these risks.

4. Which is the best Buy Now, Pay Later company?

There isn’t a one-size-fits-all answer. Shop Pay Installments is ideal for Shopify-native checkout, Klarna and Afterpay are popular with lifestyle and fashion stores, Affirm works well for high-value products, and PayPal Later is trusted worldwide. The best choice depends on your products and audience.

5. Are Buy Now, Pay Later apps a good idea?

Yes, when used responsibly. BNPL can increase conversions, raise the average order value, and make the checkout process more flexible. For merchants, it’s a proven way to attract shoppers who want choice and affordability, while for customers, it provides more control over budgeting.

Ganesh Pawar

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Ganesh Pawar is the founder of Driftcharge, a subscription management app designed to help Shopify merchants streamline and scale their subscription businesses. With a deep focus on solving real-world pain points—like legacy account page support, flexible subscription options, and advanced analytics—Ganesh is passionate about building tools that drive growth and retention.