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12 payment gateways that allow you to buy now and pay later


12 payment gateways that allow you to buy now and pay later

12 payment gateways that allow you to buy now and pay later
12 payment gateways that allow you to buy now and pay later

Perhaps you remember or see the mythical poster "I don't trust here" on the wall of some restaurants. Consumption in online sales do not stop growing and like large companies like El Corte Ingl├ęs, they have always offered to finance purchases, now you can also allow your customers to buy now and pay later in your online store, receiving the money of the sale in advance. So in this article, I will discuss with details about how to allow your customers to buy now and pay later. 

How to allow your customers to buy now and pay later

With e-commerce penetration accelerating wildly this year, making it easy for your customers to buy is key. We could think that the competition is between other online stores, your competition, but one of the main factors when making a purchase is in the payment gateway and these payment gateways are not competing to offer the fastest payment services or without complications, but for the attention of the consumer, this is how PayPal is one of the most important payment gateways in our times.

12 payment gateways that allow you to buy now and pay later


ViaBill is a payment gateway that offers your customers the flexibility to buy now and pay later, in 4 interest-free installments, while your business receives the total purchase money in advance. In this way, customers can get what they need easily, quickly, and transparently and your business has no risk of fraud.

The ViaBill payment method is completely free and the user gets approval in less than a minute when registering. On the other hand, you have the possibility of offering your customers an easier shopping experience, thus generating an increase in orders and conversions. In addition, it has integration with CMS such as Salesforce, Magento, Prestashop, Woocommerce or Shopify.

Instant Credit by Banco Sabadell

Instant Credit is another of the instant installment payment solutions, both for ecommerce and physical point of sale, as well as belonging to a large bank such as Sabadell. The credit application process is instantaneous and 100% digital, without the need for your client to provide documentation. The solution covers from 3 to 24 monthly payments and up to € 4,000 and has very good conditions for interest-free campaigns. A differential feature of the product is that the first installment is charged 30/60 days after having made the purchase and having checked in your online store. It has integration through API or through the main CMS such as Magento, Prestashop and Woocommerce.

Postpone me

Aplazame also gives the possibility of offering instant financing for all types of online purchases, up to € 2,500 . One of the advantages of Aplazame is that it is herself who assumes the risk of non-payment and fraud from individuals. In addition, it also gives your clients maximum flexibility since it allows them to divide their payments up to 36 installments and choose which day of the month they want to make their monthly payment.

With interest for each sale that ranges between 0.5% and 1.5% depending on the total, in addition to the interest applied to the operation itself. Aplazame also has an API and modules that facilitate integration with Magento, Prestashop, Woocommerce and Shopify CMS.

Cofidis Online

Cofidis Online is another financing system, which is behind the Amazon Pay in 4 system , developed in partnership with Cofidis. This system allows your customers to finance their purchases in 4 installments of up to € 1,000 . Cofidis will be in charge of approving and managing the financing, which has no interest, but an opening commission of 2.50% of the purchase capital.

eCredit Now

eCredit Now is Cetelem's financing platform, it is a fractional payment solution at no cost for your online store and in which the customer can choose the financing option: with or without interest, up to 60 months and without a limit of the maximum amount. If the user already has a Cetelem credit line, they do not have to fill in any form or send documentation. e-Credit Now has integration with Prestashop, Magento and Woocommerce CMS.


FinOnline is CaixaBank's solution, with integrations available for Magento and Prestashop. FinOnline offers your customers a completely online process and without paperwork: once the product has been added to the shopping cart, they only have to select the financing option as a payment method and choose the fee you want to pay.


Klarna launched an application where customers can not only view their purchases and payment history, but also use the payment gateway to buy any product from your online store with a Klarna virtual card, regardless of whether the customer is associated with Klarna or not. . This offers consumers a seamless experience, effectively simulating that every online store in the world runs the popular "buy now, pay later" service .


The Afterpay payment gateway also allows you to buy now and pay later. They recently launched an omnichannel product that allows consumers to choose their "buy now, pay later" service as an option to integrate into your online store, without interest or additional fees .


Latterpay allows you to pay in up to 3 installments without interest or added costs . The operation consists in that, at the moment in which your client makes the purchase, a charge equivalent to 33% of the total transaction is made; paying the rest in 2 more installments. After the first charge, Latterpay pays 100% of the transaction to your business, assuming the risk of non-payment in full. It integrates with CMS Shopify and Prestashop.


Oney, among the financial products they offer, stands out 3x 4x Oney, it is a solution for your online store and also in physical stores, which allows your customers to pay for purchases from € 90 in various installments , using any credit card or debit , through a quick and easy process that does not involve providing additional documentation or long waits.

Pay + Afternoon

Paga + Tarde is another solution that works in a simple way, the client chooses the number of installments in which they want to pay, and make an immediate confirmation if the amount and amount of installments are within the established limits. It allows you to integrate your service on the web, in a physical store or even by phone . Paga + Tarde announced in May 2019 its alliance with PayPal and as a result allows Paga + Tarde with PayPal, a solution that seeks to boost financing through PayPal.


SeQura is a flexible payment solution that adapts to the needs of your clients. Allowing your customer to pay up to 7 days after shipment , without any extra cost . In addition, it offers the possibility of a payment in installments in 3, 6 or 12 months with a small fixed cost per installment.

It offers the possibility of using the solution both in a physical store and online or teleshopping. The approval of the purchase is instantaneous, and 100% of the payment to your online store is guaranteed, they already assume the risk of non-payment of your customers.


The ability to make payments hassle-free is essential to the success of any e-commerce business. Offering the opportunity to buy now and pay later is an excellent solution for high-cost product purchases. If you are interested in integrating one of these payment gateways, do not hesitate to get in touch.


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