FOR MERCHANTS
Why merchants join PayLater
More completed sales
Reduce lost sales when customers cannot pay the full amount upfront.
Fast settlement
Customers pay over time.
You receive funds according to your settlement schedule.
No collections
PayLater manages the customer repayment plan after approval.
Easy onboarding
Use QR codes, payment links, website checkout, or assisted setup.
Simple payment flow.
SIMPLE PAYMENT FLOW
How PayLater works
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Customer chooses PayLater
Online, in store, by QR code, or through a payment link.
Approval in moments
PayLater reviews eligibility, affordability, and fraud signals.
Merchant completes sale
You receive confirmation and complete the transaction.
Customer repays PayLater
We manage the payment schedule and customer experience.
MERCHANT SETUP
Go live without replacing your POS
QR Code
Display a PayLater QR code at the counter. Customers scan and apply.
Payment Link
Send payment requests by text, email, or invoice.
Website Checkout
Add PayLater as a checkout option for online customers.
MERCHANT SETUP
Simple fees. No surprises.
Free
Free
Free
To be agreed
Next business day target
Setup Fee
Monthly Fee
Integration Fee
Merchant Transaction Fee
Settlement
Founding Merchant
TRUST AND SAFETY
Built for responsible commerce
Merchant verification
KYB, business validation, and approved merchant categories.
Fraud monitoring
Risk controls help protect merchants, consumers, and the platform.
Clear disclosures
Transparent customer payment schedules and responsible payment design.
Become a
Founding Merchant
Join early, receive launch benefits, and help shape responsible flexible payments.