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

E-commerce has revolutionized the way people shop, and in 2025, customer expectations are higher than ever. Modern shoppers want speed, convenience, and flexible payment options. That’s exactly why Buy Now, Pay Later (BNPL) apps have become one of the most powerful tools for Shopify merchants.


These apps allow customers to split payments into smaller installments without friction, making products more affordable while helping stores boost sales and reduce cart abandonment.

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

The way customers pay is changing rapidly. Buy Now, Pay Later enables buyers to purchase instantly and divide payments into easy installments, often with zero interest. This eliminates the upfront payment barrier and encourages shoppers to complete their purchases confidently.

For Shopify merchants, BNPL isn’t just about flexibility; it’s a revenue-driving strategy. Stores offering installment options usually experience higher average order values and fewer abandoned carts. The result is a smoother checkout process and better customer satisfaction.

Shopify’s own data shows how flexible payments are becoming a must-have feature, not just an add-on.

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

With so many BNPL providers in the market, choosing the right one depends on your store’s goals and audience. Below are some key factors that make a BNPL app stand out:


  • Transaction fees: Some BNPL services charge higher rates than traditional payment gateways. Always compare fees before deciding.

  • Approval process: The faster and simpler the approval process, the higher the conversion rate.

  • Regional coverage: Choose an app that supports your target countries, for instance, Klarna dominates in Europe, while Afterpay leads in the U.S. and Australia.

The best BNPL apps integrate seamlessly into your Shopify checkout, offering quick approvals, transparent repayment terms, and no added friction. Combined with other checkout optimization tools, they make the payment process faster and more reliable.

Top 10 Buy Now Pay Later Apps for Shopify in 2025

Here are the top BNPL apps that are making a difference for Shopify merchants around the world in 2025.


1. Shop Pay Installments

Shopify’s native solution, Shop Pay Installments, offers a smooth experience. Customers can pay in four equal, interest-free installments, while merchants receive full payment upfront. It’s secure, trusted, and built right into Shopify’s ecosystem.

2. Klarna

A global leader in BNPL, Klarna provides flexible payment plans, including “Pay in 4” and long-term financing options. With strong adoption in Europe and North America, Klarna is ideal for fashion and lifestyle brands targeting international audiences.

3. Afterpay

Afterpay allows customers to pay in four interest-free installments, making it popular among younger buyers. It’s particularly strong in the U.S. and Australia, where shoppers already recognize and trust the brand.

4. Affirm

Designed for high-value purchases, Affirm offers longer repayment terms than most BNPL providers. This makes it perfect for stores selling furniture, electronics, or luxury items.

5. PayPal Pay Later

Backed by PayPal’s strong global reputation, PayPal Pay Later brings instant trust. It integrates easily with Shopify and is widely available worldwide, making it an excellent choice for merchants with international customers.

6. Sezzle

Sezzle caters to Gen Z and millennial shoppers, offering interest-free installment plans and spending reminders. It’s ideal for brands targeting younger audiences who want flexibility and responsible payment options.

7. Splitit

Splitit is unique — it uses the customer’s existing credit card limit to divide payments into installments without new loans or credit checks. Approvals are instant, which helps boost conversion rates.

8. Razorpay BNPL (India)

For Shopify stores in India, Razorpay BNPL offers easy integration with the Razorpay payment suite. It supports multiple payment options and has become one of the most trusted local gateways.

9. Simpl / LazyPay (India)

Both Simpl and LazyPay are fast-growing BNPL providers in India. They allow users to shop now and pay later without an upfront payment, making them highly popular among younger, budget-conscious customers.

10. ZestMoney (India)

ZestMoney focuses on larger purchases, offering flexible EMI-style plans that make expensive items easier to buy. It’s an excellent option for Shopify merchants selling mid to high-ticket products.

Comparison: Best BNPL Apps for Shopify Stores

AppBest ForRegionsKey Features
Shop PayShopify-native checkoutUS, GlobalInterest-free, quick setup
KlarnaFashion, lifestyle brandsEurope, North AmericaFlexible plans
AfterpayYoung shoppersUS, AU, NZ4-part installments
AffirmExpensive itemsUS, GlobalLong-term payment options
PayPal LaterGlobal customersWorldwideTrusted PayPal integration
SezzleGen Z shoppersUS, CanadaResponsible spending tools
SplititCredit card usersGlobalUses existing credit line
RazorpayShopify IndiaIndiaLocal integration
SimplEveryday purchasesIndiaNo upfront cost
ZestMoneyBig-ticket productsIndiaFlexible EMI payments

How to Add a BNPL App to Your Shopify Store

Adding a BNPL solution to Shopify is quick and straightforward.

  1. Select your provider – Choose from Shopify App Store (Klarna, PayPal, Razorpay, etc.).

  2. Install and configure – Follow the setup guide for enabling installment payments.

  3. Display BNPL options – Add messages like “Pay in 4 interest-free installments with Klarna” on your product and checkout pages.

  4. Test your checkout flow – Ensure everything runs smoothly with discounts, shipping, and payment gateways.

When configured properly, BNPL enhances the checkout experience and boosts conversion rates.

The Future of BNPL in Shopify

BNPL continues to evolve with new technologies and regulations. In 2025, expect to see AI-driven approval models, enhanced transparency, and localized payment options.

Future BNPL solutions will likely integrate with subscriptions, loyalty programs, and membership models, helping merchants build stronger customer relationships and repeat sales.

Choosing the Right BNPL App for Your Shopify Store



Each BNPL platform has its strengths:

  • Shop Pay – Best for Shopify-native integration.

  • Klarna & Afterpay – Ideal for lifestyle and fashion brands.

  • Affirm – Perfect for high-value purchases.

  • PayPal Later – Globally recognized.

  • Razorpay, Simpl, ZestMoney – Best for Indian stores.

The right BNPL app depends on your audience and business goals. Ultimately, BNPL isn’t just a payment method, it’s a conversion and retention strategy. Combined with subscription tools like DriftCharge, it helps convert one-time shoppers into loyal, repeat buyers.

Read the original article on  Driftcharge Blog

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