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.
Regional banks that allow consumers to split credit card payments over multiple billing cycles.

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.

Payments

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	Connect	Checkout	Payment Links	Payment Element	Express Checkout Element	Mobile Payment Element	Subscriptions	Invoicing	Customer Portal
Affirm		^1,2
Afterpay (Clearpay)		^1,2
Klarna		^1,2
Zip		^1,2

¹ Not supported when using Checkout in subscription mode.
² Not supported when using Checkout in setup mode.

API support

Payment method	API enum	Requires redirect²
Affirm	`affirm`	Yes
Afterpay (Clearpay)	`afterpay_clearpay`	Yes
Klarna	`klarna`	Yes
Zip	`zip`	Yes

¹ Cards and bank debit methods including SEPA debit, AU BECS direct debit, and ACSS debit support both on_session and off_session with setup future usage. All other payment method types either don’t support setup_future_usage or only support off_session.
² Payment methods might require confirmation with return_url to indicate where Stripe should redirect your customer after they complete the payment.

Transaction support

Payment method	Customer country	Repayment options	Transaction limit
Affirm¹	Canada, 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/Clearpay	Australia, Canada, New Zealand, United Kingdom, United States	Pay in 4 interest-free installments Monthly USD payments for up to 12 months	1 USD minimum; 4,000 USD maximum or local equivalent
Klarna	Australia, 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. (Amounts over 5,000 USD for financing possible; maximum varies by customer)
Meses sin intereses	Mexico	Extend payments over 3 to 24 months of billing cycles	Minimum transaction amount of 100 MXN per month of extension
Zip²	Australia, United States (Invite Only)	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 Pay in 4 installments	0.01 AUD minimum. 50,000 AUD maximum for Australia or 35 USD minimum and 1,500 USD maximum for United States**

¹ 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. Term lengths and cart ranges are determined by Affirm and may change at their discretion.
² Zip Australia 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. Zip US offers Pay in 4 with transactions up to 1,500 USD.

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.