Best Buy now pay later integration in USA
Non-sponsored, Expert Verified and Transparently Ranked Buy now pay later integration in USA
Published: December 27, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Affirm Buy Now, Pay Later Payment Platform by Affirm scored highest due to Dynamic checkout that presents biweekly and monthly plans side‑by‑side in a single integration to maximize approvals and conversion..
Content Verification
Side-by-Side Comparison
| Feature | #1 Affirm Buy Now, Pay Later Payment Platform (Affirm) | #2 Klarna Payments (Klarna) | #3 Afterpay Buy Now, Pay Later Platform (Afterpay (a Block company)) | #4 PayPal Buy Now, Pay Later (PayPal) | #5 Pay Later (Synchrony) |
|---|---|---|---|---|---|
| Best For | Dynamic checkout that presents biweekly and monthly plans side‑by‑side in a single integration to maximize approvals and conversion. | Breadth of payment choices combined with a large active shopper network and proven conversion/AOV gains for online and in‑store commerce. | Omnichannel BNPL with easy ecommerce plugins and in‑store tap‑to‑pay style acceptance, designed to reach younger shoppers and boost conversion. | BNPL embedded directly in PayPal Checkout, no separate provider, leveraging PayPal’s wide consumer adoption and one integration path. | Enterprise‑grade lender with streamlined integration to present financing across the funnel, suitable for higher‑ticket and regulated categories. |
| Consumer Adoption Rate | Active consumers: 24.1M as of Sept 30, 2025 (+24% YoY). Prior year-end: 23.0M as of June 30, 2025 (+23% YoY; +40% vs 2023). (marketscreener.com) | 114 million global active consumers (Q3 2025); 3.4 million transactions/day. (investors.klarna.com) UK: 11 million active customers (May 2, 2025). (investors.klarna.com) | 24M+ active customers globally (Nov 2024). U.S. monthly active users: 4.2M (2023). (newsroom.afterpay.com) | U.S.: 15% of Americans have used PayPal Pay in 4/Pay Later (Bankrate survey, 2025). Globally: 32M+ active users have made purchases using PayPal’s BNPL as of 2023. (bankrate.com) | N/A |
| Integration Flexibility | Integration options: Direct API and mobile SDKs; Affirm Lite for minimal dev. (docs.affirm.com) Prebuilt plugins for Shopify, BigCommerce, Adobe Commerce, WooCommerce, Wix, and SFCC. (docs.affirm.com) PSP integrations (e.g., Stripe, Adyen, Worldpay). (docs.affirm.com) In‑store via Stripe Terminal. (investors.affirm.com) Also available via Apple Pay online/in‑app without Affirm integration. (docs.affirm.com) | Integrates via direct Klarna Payments API with in-line JS widget or browser redirect using Klarna Hosted Payment Page; mobile via Klarna Mobile SDK; or through platforms/PSPs including Stripe and Adyen, plus plugins/apps for Shopify, Adobe Commerce (Magento), WooCommerce, and BigCommerce. (docs.klarna.com) | Integrates via plug‑and‑play plugins (e.g., Shopify, Magento, WooCommerce) or custom via APIs/JS. (developers.afterpay.com) Offers iOS/Android SDKs for in‑app checkout. (afterpay.com) In‑store needs no new hardware, works via Afterpay Card in Apple/Google Wallet on existing POS. (afterpay.com) Supported through platform/payment‑gateway partners (e.g., Adyen). (afterpay.com) | Integrates into existing PayPal Checkout via JavaScript SDK: add Pay Later messaging or a Pay Later button (components=messages, buttons), support standalone Pay Later funding, and legacy checkout.js. Turnkey plugins exist for commerce platforms (e.g., OpenCart, Salesforce Commerce Cloud). Limited to one‑time payments, recurring/vaulted and WPS integrations aren’t eligible. (developer.paypal.com) | Prebuilt integrations: Adobe Commerce plugin adds Pay Later at online checkout; Shopify app surfaces financing on PDP, cart, checkout and captures Pay in 4/Pay Monthly; Clover POS app enables in‑store BNPL. (synchrony.com) Supports out‑of‑the‑box setups with minimal coding and Apple Pay/Google Pay at select retailers. (synchrony.com) |
| Payment Options Variety | Offers Pay in 4 (biweekly interest-free), monthly installments (3, 60 months, merchant-dependent), one-time virtual cards, and the Affirm Card for pay-in-full or pay-over-time purchases; available at checkout directly and via Apple Pay online/in‑app and in‑store. (affirm.com) | Options: Pay in 4 (interest‑free, biweekly), Pay in 30 days, Pay over time (6, 24‑month financing), Pay in full today. (klarna.com) Extras: Klarna Card (pay anywhere Visa is accepted), one‑time/virtual cards and in‑store digital cards via app, plus Apple Pay and Google Pay checkout. (klarna.com) | Options: Pay in 4 interest‑free online or in‑store via Afterpay Card in Apple/Google Wallet; Pay Monthly over 3, 6, 12 or 24 months for larger purchases (APR 0, 35.99%, down payment may apply). (help.afterpay.com) Funding: Visa/Mastercard debit/credit (credit for Pay in 4 only), Cash App Card, checking accounts, Apple Pay, Google Pay, Cash App Pay. (help.afterpay.com) | Two BNPL options: - Pay in 4: four interest‑free, bi‑weekly payments for $30, $1, 500; no late/sign‑up fees; autopay. - Pay Monthly: 3, 6, 12, or 24 monthly installments for $49, $10, 000 at 9.99%, 35.99% APR; optional autopay. Available online and in-store (Pay Monthly via single‑use virtual card). (securepayments.paypal.com) | Two plan types: Pay in 4 (no interest/fees; 4 equal biweekly payments over 6 weeks; autopay required). Pay Monthly (equal monthly installments; autopay optional; pay via debit card or ACH online or by phone). (synchrony.com) |
Affirm Buy Now, Pay Later Payment Platform
AffirmCompany Information
Affirm is a financial technology company that provides consumers with a way to pay for purchases over time with no late fees or compounding interest. The company offers a range of payment options, including a debit card and a mobile app, and partners with various merchants to offer financing options to customers.
Keywords
Description
Affirm provides flexible payment options for consumers, allowing them to buy now and pay later without any hidden fees. The Affirm Card™ lets users shop online and in stores with the choice to pay in full or over time.
What They Do
Affirm offers buy now, pay later services, allowing consumers to make purchases and pay for them over time with transparent payment plans.
Who They Serve
Affirm serves consumers looking for flexible payment options and businesses seeking to offer financing solutions to their customers.
Key Value Propositions
Target Customers
Industries Served
Navigation Links
Summary
Affirm’s Adaptive Checkout lets U.S. merchants offer pay‑over‑time options at checkout with real‑time underwriting, including Pay in 4 and longer‑term installments. It supports direct API, platform plugins, and in‑store integrations to deploy BNPL across channels.
Key Features
- Pay in 4 interest-free installments
- 3, 6, 12-month (and longer) monthly payment plans
- Pay in full option with Affirm Card
- Personalized payment plans based on purchase size and merchant
- Eligibility check with no impact on credit score
- Affirm Card™ for everyday purchases (no card fees)
- Browser extension for desktop shopping
- Apple Pay integration for checkout
- Mobile app for account management and exclusive offers
Key Benefits
- Split purchases into manageable payments
- No hidden fees or late fees
- Interest-free options available (Pay in 4)
- Transparent monthly plans with upfront interest disclosure
- Manage payments and get exclusive deals in the Affirm app
- Accepted at millions of stores, including major brands and local boutiques
- Flexible payment with Affirm Card and Apple Pay integration
Who Is It For
- Consumers seeking flexible payment options for purchases
- Shoppers who want to split payments over time
- Individuals looking for interest-free or low-interest installment plans
- People who want to manage payments via a mobile app or card
Make your first purchase in minutes
Sign up and pay with Affirm with just a few pieces of info. Checking for personalized plans won’t affect your credit, either.
- Sign up and provide a few pieces of information
- Check for personalized payment plans (no credit impact)
- See your options: custom plans for your purchase, from longer monthly plans to interest-free options
- Pick your plan: choose a monthly payment that fits your budget
- Pay over time: get what you want on your timeline with no fees
Get more ways to pay with Affirm
You’ll see different plan options depending on your purchase size and where you’re shopping.
- Pay in 4 interest-free: The simplest option for purchases where you only need a little time to pay.
- 3, 6, 12-month plans (and longer): Get more time to pay with monthly options. Your payments stay consistent, and you’ll see any interest up front.
- Pay in full: With the Affirm Card, you can choose to swipe or tap for daily purchases.
Pay with Affirm at millions of stores
Affirm works at more places than you might think, from the biggest brands to your local boutique.
- Accepted at major brands and local boutiques
- Explore stores via the Affirm app
There’s even more in the Affirm app
Manage payments, get exclusive 0% APR offers, and see why everyone loves using the Affirm app.
- Manage your account and payments
- Get exclusive deals and 0% APR offers
The Affirm Card™
Get even more flexibility. Set up plans in advance then swipe, or pay in full for daily purchases.
- Flexible everyday card with no card fees
- Request to pay over time in the Affirm app, then swipe
- Pay in full for daily purchases
Check out with Affirm on Apple Pay
Choose from personalized payment plans anywhere Apple Pay is accepted.
- Available online and in apps, on iPhone and iPad
- Requires iOS 18 or iPadOS 18 or later
Resources
Supporting Resources
Detailed Comparison
Consumer Adoption Rate
Integration Flexibility
Payment Options Variety
KlarnaCompany Information
Description
Klarna offers secure shopping and flexible payment options for consumers, allowing them to pay in installments or later for their purchases.
What They Do
Klarna provides payment solutions for consumers and businesses, enabling users to shop now and pay later with various flexible payment options.
Who They Serve
Consumers looking for flexible payment options and businesses seeking to integrate payment solutions.
Key Value Propositions
What Customers Say
"Love the convenience and auto payments to repay back quickly."
— Rosa, Customer
"Super convenient and easy!! Haven’t had any issues getting approved, set-up or making payments. Would recommend."
— JC, Customer
"I'm very satisfied using Klarna, it makes it easy for me to purchase things from my favorite retail places."
— Maria, Customer
"Klarna is a awesome app. Very convenient and easy to use."
— Katy, Customer
"Very good company, it helps me a lot with my purchases with easy payment options."
— Sara, Customer
Customer Reviews
Maria
Customer
I'm very satisfied using Klarna, it makes it easy for me to purchase things from my favorite retail places like Macy's or Temu and Shein!
JC
Customer
Super convenient and easy!! Haven’t had any issues getting approved, set-up or making payments.
Target Customers
Industries Served
Navigation Links
Summary
Klarna Payments provides multiple flexible options, Pay in 4, Pay in 30 days, and financing, so shoppers choose how to pay while merchants are paid up front. It integrates directly or via major e‑commerce and payment platforms to lift conversion and average order value.
Key Features
- Pay in 4: Split purchase into 4 interest-free payments, paid every 2 weeks
- Pay over time: Spread cost over 6-24 months with monthly payments (interest may apply)
- Pay in full today: Immediate, secure payment with stored cards and buyer protection
- Pay in 30 days: Shop now, pay up to 30 days later with no late fees or interest when paid on time
- Klarna Card: Pay flexibly anywhere Visa is accepted
- Apple Pay and Google Pay integration for flexible payments
- Klarna app: Shop now, pay later at any store, and earn cashback
Key Benefits
- Multiple payment options to suit different budgets
- Interest-free options when paid on time
- Ability to pay over time with transparent terms
- Buyer protection and secure transactions
- Convenient management of payments via the Klarna app
- Available at thousands of popular brands
Who Is It For
- Shoppers seeking flexible payment options
- Residents of the United States or its territories
- Individuals at least 18 years old or of legal age in their state
- People with a valid card or bank account
Resources
Supporting Resources
Detailed Comparison
Consumer Adoption Rate
Integration Flexibility
Payment Options Variety
Afterpay Buy Now, Pay Later Platform
Afterpay (a Block company)Company Information
Afterpay is a payment service that allows customers to buy now and pay later. It is fully integrated with various stores, enabling customers to shop as usual and choose Afterpay as their payment method at checkout.
API Resources
Keywords
Description
Afterpay is a payment platform that allows consumers to buy now and pay later, offering flexible payment options for shopping online and in-store.
What They Do
Afterpay provides a buy now, pay later service that allows consumers to make purchases and pay for them in installments without interest.
Who They Serve
Afterpay serves consumers looking for flexible payment options and retailers wanting to offer buy now, pay later solutions.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Afterpay enables interest‑free Pay in 4 and optional monthly plans while paying merchants upfront. It offers simple online plugins, in‑store acceptance that works like a digital wallet with no new hardware, and mobile SDKs for in‑app checkout.
Key Features
- Interest-free installment payments (Pay in 4)
- Digital Afterpay Card for in-store purchases (Apple Wallet/Google Wallet integration)
- Payment reminders and capped late fees
- Ability to reschedule payment dates
- Shopping lists and personalized recommendations
- Pulse Rewards loyalty program
- Secure app-based experience
Key Benefits
- Pay in 4 interest-free installments over six weeks
- No fees when payments are made on time
- Access to thousands of brands and millions of products
- Shop online and in-store with the Afterpay Card
- Earn rewards through Pulse Rewards for on-time payments
- Personalized recommendations and exclusive deals
- Easy budgeting and payment tracking in the app
Who Is It For
- Consumers aged 18 or older
- Residents of the United States (with support in Australia, New Zealand, United Kingdom, Canada)
- Shoppers seeking to budget purchases and avoid interest
- Individuals looking for flexible payment options at thousands of brands
Financial wellness is a tap away.
Pay in 4 interest-free installments. Budget your spending. Earn rewards when you shop. Discover thousands of brands and millions of products, online and in-store. Do it all in the app, easily and securely.
Here’s why you should Afterpay it.
- Get everything you need now. Shop thousands of brands and millions of products, online and in-store.
- Pay over six weeks. Make the first payment upfront and the rest over time. Always interest-free when you pay it in 4.
- No fees when you pay on time. We’ll send you reminders and cap late payments to help you get back on track.
- Stay in control. Track your payments and reschedule payment dates, so you can keep your budget in check.
- Get inspired. Explore trending products and personalized recommendations. Get exclusive deals and create shopping lists for later.
Afterpay it in person.
We've made it easy to pay in 4 in-store. Set up the digital Afterpay Card in the In-store tab in the app and follow the prompts to add it to your Apple Wallet or Google Wallet. Tap to pay and take everything home today.
Get started with the app.
Shop thousands of brands, online and in-store. Pay in 4 interest-free installments over six weeks.
Earn rewards.
Join Pulse Rewards for free to earn points for eligible on-time payments that unlock amazing benefits.
Got questions?
Check out our FAQs or get in touch with us to learn more.
Resources
Supporting Resources
Detailed Comparison
Consumer Adoption Rate
Integration Flexibility
Payment Options Variety
PayPalCompany Information
API Resources
Description
PayPal is a financial technology company that enables people to make secure payments online and through mobile devices.
What They Do
PayPal provides a digital wallet and platform for secure payments online and in-store, enabling users to send and receive money, make purchases, and manage finances.
Who They Serve
PayPal serves individuals, small businesses, enterprises, and developers looking for payment solutions.
Key Value Propositions
Case Studies
Small Business Success — Local Bakery
An analytics-driven approach helped this bakery increase online orders by 3X using PayPal.
Read Case Study →What Customers Say
"PayPal has made it easy for us to manage our transactions."
— Jane Smith, Small Business Owner
Customer Reviews
Alice Johnson
Tech Blogger
PayPal has revolutionized my online shopping experience! It is secure, fast, and reliable.
Target Customers
Industries Served
Trusted By
Contact Information
Key Pages
Summary
PayPal Pay Later adds BNPL to PayPal Checkout with Pay in 4 and Pay Monthly for U.S. merchants. Eligible businesses can surface these offers within their existing PayPal integration to finance purchases from $30 up to $10, 000 depending on the plan.
Key Features
- Pay in 4: Four interest-free, bi-weekly payments for purchases $30-$1, 500
- Pay Monthly: 3, 6, 12, or 24-month payment plans for purchases $49-$10, 000, with fixed APR (9.99%-35.99%)
- No late fees or sign-up fees for either plan
- Autopay enrollment options
- Soft credit check for application
- Available in multiple currencies (converted to USD at checkout for Pay in 4)
- Purchase Protection on eligible transactions
Key Benefits
- Split payments over weeks or months
- No late fees or sign-up fees
- No impact to credit score for application (soft credit check only)
- Purchase Protection on eligible items
- Available at millions of stores online and in-store
- Autopay options for convenience
Who Is It For
- Consumers aged 18 or older
- Shoppers at online and in-store merchants that accept PayPal
- Individuals seeking to manage purchases over time
Buy now, pay later with PayPal
Buy what you love. Break up your payments over weeks or months.
Flex your spending
Pay over time with no late fees. Pay in 4 or Pay Monthly. Available at millions of stores. No impact to your credit score. Enjoy Purchase Protection on eligible items.
- Pay in 4 or Pay Monthly
- Available at millions of stores
- No impact to your credit score
- Purchase Protection
Purchase in store. Pay Monthly.
Buy an item you’d like to purchase now but would prefer to pay for over time.
Pay in installments your way
Pay in 4: Split your purchase into 4 interest-free, bi-weekly payments. Purchases from $30 to $1,500. First payment due at time of purchase. Three interest-free payments after. Pay Monthly: Flexibility of 3, 6, 12, or 24-month payment plans with $0 down. Purchases from $49 to $10,000. $0 down at checkout with variable interest rates. Available online and in store.
- Pay in 4: $30-$1,500, 4 interest-free payments
- Pay Monthly: $49-$10,000, 3-24 monthly payments, fixed APR
How to buy now, pay later
Check out with PayPal. Pay in 4 or Pay Monthly. Get a decision. Make the payments. Find PayPal Pay Later options at millions of online stores.
- Check out with PayPal
- Choose Pay in 4 or Pay Monthly
- Get a decision in seconds
- Make payments securely
Compare our flexible options
Comparison table of Pay in 4 and Pay Monthly: availability, purchase amount, number of payments, time between payments, APR, repayment method, Purchase Protection, late fees, sign-up fees, autopay.
- Pay in 4: Online, $30-$1,500, 4 payments, 0% APR, no late/sign-up fees, autopay at purchase
- Pay Monthly: Online/in-store, $49-$10,000, 3/6/12/24 payments, 9.99%-35.99% APR, no late/sign-up fees, optional autopay
Frequently asked questions
Who accepts PayPal Pay in 4? Is a credit check required? Does Pay in 4 or Pay Monthly charge interest and fees? Can I pay off my Pay Monthly loan early? Why use buy now, pay later?
Resources
Supporting Resources
Detailed Comparison
Consumer Adoption Rate
Integration Flexibility
Payment Options Variety
SynchronyCompany Information
Description
Synchrony is a premier financial services company that provides customers with innovative financing solutions through retail credit cards, savings accounts, and payment solutions tailored for businesses.
What They Do
Provide credit cards, banking solutions, and flexible financing options.
Who They Serve
Consumers and businesses across various sectors.
Key Value Propositions
Target Customers
Industries Served
Trusted By
Contact Information
Navigation Links
Summary
Synchrony Pay Later is a bank‑backed installment solution that lets customers pay over time in predictable equal payments at participating merchants. It’s designed to be embedded on product pages and in the cart to present financing during the buying journey.
Key Features
- Installment loan (not a credit card)
- No card issued; loan is for the original purchase only
- Can have multiple Pay Later loans (subject to credit approval)
- No rewards program
- No e-statements or paper statements; payment reminders and confirmations via email
- Transaction history available online
Key Benefits
- Purchasing power with more financing options
- Payment flexibility for a range of purchases
- Predictable payments to make budgeting easier
- Streamlined application process with immediate credit decision
- No annual fees or cash advance fees
- No prepayment penalties
Who Is It For
- Consumers seeking flexible payment options for purchases
- Shoppers at participating retailers and providers (including select in-store and online merchants)
- Individuals looking for alternatives to credit cards for financing purchases
Resources
Supporting Resources
Detailed Comparison
Integration Flexibility
Payment Options Variety
Our Ranking Methodology
How we rank these offerings
We ranked these Buy now pay later integration in USA based on three key factors: Integration Flexibility (40% weight), Consumer Adoption Rate (35% weight), and Payment Options Variety (25% weight). Affirm scored highest due to its robust integration options across multiple platforms and high consumer adoption, while Klarna closely followed with strong global presence and flexible payment options.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for integrating Buy Now, Pay Later services?
- Costs for integrating Buy Now, Pay Later (BNPL) services often center around transaction fees charged to merchants. For instance, PayPal charges merchants a fee for successful Pay Later transactions, which generally includes a percentage of the transaction and a fixed fee. Affirm and Klarna also follow similar models, with specific rates potentially adjusted based on merchant volume and terms of agreement. Most providers do not charge interest to customers for short-term installments but earn revenue through merchant fees and potential late fees.
- What are the key considerations for selecting a BNPL provider for my business?
- Selecting a BNPL provider should consider factors like integration capabilities, customer reach, and flexibility of payment options. Affirm's adaptive checkout and PayPal's integration ease into existing systems showcase interoperability with major platforms. Klarna and Afterpay can increase cart conversion rates through diverse payment options and lifting average order values. Legal compliance and transparent fee structures are also critical to reduce financial risks and enhance customer trust.
- What are the industry standards and compliance requirements when implementing BNPL solutions?
- BNPL solutions in the U.S. must comply with federal regulations such as the Truth in Lending Act (TILA) and state consumer protection laws. Synchrony’s banking partnership underscores a focus on standardized lending practices and customer data protection. Providers like Affirm and PayPal focus on transparent user agreements and responsible underwriting processes to align with regulatory expectations and enhance consumer trust.
- What are some common implementation challenges of BNPL services and potential solutions?
- A significant implementation challenge is ensuring seamless integration with existing e-commerce platforms. Companies like Klarna and Afterpay offer extensive plugin and SDK support to streamline online and in-store integration. Real-time underwriting, like Affirm's adaptive checkout, can present challenges in high-volume environments but offers an advantage by tailoring offerings precisely at checkout. Comprehensive testing before deployment can mitigate many integration issues.
- How can BNPL solutions deliver ROI and enhance value for my business?
- BNPL solutions can enhance ROI by increasing average order values and improving conversion rates as they offer flexible payment solutions. Merchants working with Klarna or Affirm get paid upfront, reducing cash flow issues. Moreover, PayPal and Afterpay have demonstrated that customers are more likely to complete purchases and add more items to their carts when given the flexibility to pay over time. These increased sales volumes can quickly offset transaction fees associated with BNPL services.
Our Promise: We promise to deliver the highest quality company and offering data, free from sponsored bias. We compile data from across the internet, to give the most accurate and true rankings, according to our transparent algorithms.