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HomePayments

Buy now, pay later

Learn about buy now, pay later methods with Stripe.

Buy now, pay later methods let customers pay in installments over time. You’re paid immediately and in full and your customers pay nothing or a portion of the total at purchase time. Buy now, pay later methods are often used by:

  • Retailers selling high value goods and services like luxury items or travel fares that want to boost conversion.
  • Retailers selling low value goods and services that want to increase average cart size and reach new customers who might not have credit cards.

Buy now, pay later methods might not be a good fit for your business if:

  • Your customers are businesses. Buy now, pay later methods offered on Stripe are only supported for consumers.
  • Your business relies on subscriptions or recurring purchases. Buy now, pay later methods don’t currently support Invoicing or Subscriptions.

Read our Buy Now, Pay Later Guide for more information.

Payment experience

At checkout, the customer chooses to pay with a buy now, pay later service. Then the customer creates or logs into an account with the buy now, pay later provider. Next, the customer accepts or declines the terms of the repayment plan, and then returns to the business’ site.

Product support

Payment method Customer country Repayment options Transaction limit Payment Intents Checkout Connect Payment Element Payment Links Mobile Payment Element Invoicing Subscriptions
AffirmCanada, United States
  • Pay in 4 interest-free installments
  • Monthly payments for up to 36 months
50 USD minimum; 30,000 USD maximum or local equivalent*
Afterpay/ClearpayAustralia, Canada, France, New Zealand, Spain, United Kingdom, United States
  • Pay in 3 or 4 interest-free installments
1 USD minimum; 2,000 USD maximum or local equivalent
KlarnaAustralia, Austria, Belgium, Canada, Czechia, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, New Zealand, Norway, Poland, Portugal, Spain, Sweden, Switzerland, United Kingdom, United States
  • Pay in 3 or 4 interest-free installments
  • Pay in 30 days
  • Pay now with stored payment details
  • Monthly payments for up to 36 months
10 USD minimum or local equivalent. (5,000 USD+ for financing possible; maximum varies by customer)
ZipAustralia
  • Zip Pay: Pay using a 1,000 AUD credit, repay in your own time
  • Zip Money: Pay in a minimum of 3 monthly interest-free installments
0.01 AUD minimum. 50,000 AUD maximum**
  • * The maximum credit limit for Affirm is 20,000 USD or 20,000 CAD. However, Affirm supports transactions up to 30,000 USD or 30,000 CAD. These transactions require a down payment from the customer at time of purchase.
  • ** Zip offers two products, Zip Pay with a credit limit of 1,000 AUD and Zip Money with a maximum credit limit of 50,000 AUD depending on the users’ eligibility

Adding on site messaging to your website

Let your customers know you accept one or more of these payment methods by including the Payment Method Messaging Element on your product and cart pages.

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Stripe Shell
Test mode
Welcome to the Stripe Shell! Stripe Shell is a browser-based shell with the Stripe CLI pre-installed. Login to your Stripe account and press Control + Backtick on your keyboard to start managing your Stripe resources in test mode. - View supported Stripe commands: - Find webhook events: - Listen for webhook events: - Call Stripe APIs: stripe [api resource] [operation] (e.g. )
The Stripe Shell is best experienced on desktop.
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