Flexilay
HomeBuyer's guide

Best Shopify payment plan apps in 2026

A fair look at the payment plan options for Shopify stores, and how to choose one that lifts conversion without pushing customers into debt.

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Best Shopify payment plan apps in 2026

Offering a way to pay over time is one of the most reliable ways to lift conversion and average order value on Shopify, especially for higher-priced items. But the options are not all the same. Most are buy now, pay later (BNPL) services that lend the customer money and ship the goods straight away, while a layby (lay-by) approach lets the customer reserve an item and pay it off in instalments before they take it home.

When you weigh up a payment plan app, look past the headline conversion claims. Consider customer affordability and whether the model creates debt, who carries the risk and the compliance burden, how and when you actually get paid, and the fees that come out of each sale. The right fit depends on what you sell and the customers you want to look after, not just which logo shoppers recognise at checkout.

Flexilay LayBy payment plan — a deposit plus scheduled instalments, collected once paid off.
A clean side-by-side graphic contrasting 'layby — pay first, collect later' with 'BNPL — take now, repay later'.A small business owner packing a reserved order, illustrating the merchant keeping control of goods until a layby plan completes.

The options compared

Flexilay is a modern layby (payment-scheduling) option, while the others below are established buy now, pay later providers available to Shopify merchants. Each is described fairly so you can judge which suits your store.

Flexilay (layby, not BNPL)

Our pick

Flexilay is a modern layby tool that lets customers reserve an item and pay it off on a schedule (weekly, fortnightly or monthly) before they collect it — no credit checks, no interest and no debt. You keep control of the goods until the plan is complete, and payments run through your own Stripe account, so Flexilay never holds your funds and there is no lending risk or compliance burden on you. It is built in Australia. It is an approved Shopify payment option, available on the Shopify App Store as FlexiLay Payments, and it is also live for WooCommerce, BigCommerce, Odoo, Xero and QuickBooks.

Shop Pay Installments (powered by Affirm)

Shopify's native BNPL option, powered and serviced by Affirm in the US. Eligible customers can split orders into four interest-free payments or longer monthly instalments (interest may apply on longer terms). The merchant is paid upfront and Affirm takes on the credit risk and collections. Requires Shopify Payments and Shop Pay, and is limited to specific regions and order values.

Afterpay

A widely recognised pay-in-4 BNPL service, popular with fashion and lifestyle stores. Customers split a purchase into four interest-free instalments over six weeks, with no customer credit check; some markets also offer longer monthly plans. You are paid upfront and Afterpay assumes the repayment risk. Installable from the Shopify App Store, with on-site messaging to promote it.

Klarna

A flexible BNPL provider offering pay in 4, pay in 30 days, and longer financing (where an APR can apply). On Shopify it can be enabled through Shopify Payments in supported regions, or via the Klarna app. Klarna pays the merchant and collects from the customer over time, carrying the credit risk.

Sezzle

A pay-in-4 BNPL platform: the shopper pays 25% upfront and the rest in three fortnightly, interest-free instalments. Sezzle pays you the full total upfront and assumes the risk of fraud and non-payment. Available on the Shopify App Store as Sezzle Payments, with a separate widget app for on-site messaging.

Zip (formerly Quadpay)

A BNPL provider letting customers split an order into instalments (commonly four payments due every two weeks). Zip integrates with Shopify via its payment gateway plus an on-site messaging app, and is available to approved Zip merchant partners in markets such as the US, Australia and New Zealand.

How to choose a payment plan app for Shopify

There is no single best app — there is the one that fits your products, margins and customers. Use these questions to narrow it down before you install anything.

Debt or no debt?

BNPL lends the customer money so they can take the item now. Layby lets them pay first and collect later — no borrowing, no interest, no debt.

Who carries the risk?

With BNPL the provider pays you upfront and takes on credit and collections risk (and charges for it). With Flexilay's layby model, you simply hold the goods until the plan completes.

How do you get paid?

Check whether funds flow through your own account or a third party. Flexilay uses your own Stripe account and never holds your money.

What does it cost?

Compare per-transaction fees, monthly fees and any setup costs against the conversion lift you expect. Flexilay is free to start with a small per-completed-order fee.

Why Flexilay is different: layby, not BNPL

Most apps on this list are lending products — the customer borrows to buy now, and a finance provider takes a cut and the repayment risk. Flexilay is a payment-scheduling tool for the classic layby model.

The customer reserves the item and pays it off over weeks or months on a schedule that suits them, with no credit check, no interest and no debt. You keep control of the goods until the final payment lands, and every payment runs through your own Stripe account. That means no lending risk, no consumer-credit compliance burden, and a buying experience that helps customers afford what they want rather than encouraging them to take on debt.

Setting it up on Shopify

Flexilay is an approved Shopify payment option. Add FlexiLay Payments under Settings → Payments in your Shopify admin (our install link below takes you straight there; it is also on the Shopify App Store), connect your own Stripe account, choose which products can be bought on LayBy and set your deposit and schedule rules — LayBy then appears at checkout alongside your existing payment methods. If you run other platforms too, the connectors for WooCommerce, BigCommerce, Odoo, Xero and QuickBooks are also live.

The BNPL options above are generally added either through Shopify Payments (where the provider is supported in your region) or by installing the provider's app from the Shopify App Store and adding on-site messaging to your product and cart pages. Approval and eligibility requirements vary by provider and country.

Conversion and average order value

Both layby and BNPL exist to remove the price barrier that stops a shopper at checkout, and both can lift conversion and average order value on higher-ticket items. The difference is how. BNPL leans on instant gratification and credit; layby leans on commitment and affordability — the customer locks in the item and pays it down before they collect. For stores that want repeat, loyal customers and a brand that is comfortable to stand behind, paying first rather than borrowing can be the better fit.

Frequently asked questions

What is the difference between a Shopify payment plan app and BNPL?
Most Shopify payment plan apps are buy now, pay later (BNPL) services: a finance provider lends the customer money so they can take the goods immediately, then collects repayments. Layby is different — the customer pays in instalments first and only collects the item once the plan is complete, with no borrowing and no interest.
Is Flexilay available on Shopify?
Yes. Flexilay is an approved Shopify payment option — install FlexiLay Payments from the Shopify App Store, connect Stripe and switch on LayBy at checkout. Flexilay is also live for WooCommerce, BigCommerce, Odoo, Xero and QuickBooks.
Does layby involve credit checks or interest?
No. Flexilay's layby model has no credit checks, no interest and no debt. The customer simply pays off the item on a schedule — weekly, fortnightly or monthly — before they collect it.
How does the merchant get paid with Flexilay?
Payments run through your own Stripe account, so the money goes directly to you. Flexilay never holds your funds, which also means there is no lending risk or consumer-credit compliance burden on your business.
Which is better for conversion, layby or BNPL?
Both can lift conversion and average order value by removing the upfront price barrier. BNPL relies on instant access plus credit; layby relies on affordability and commitment, with the customer paying before they collect. The better choice depends on your products, margins and the customer relationship you want.
How much does Flexilay cost?
Flexilay is free to get started, with no monthly or setup fees and a small fee per completed order. See the pricing page for the current details.

Keep exploring

Install FlexiLay in your Shopify adminFlexiLay Payments on the Shopify App StoreFlexilay for ShopifyShopify layby appLayby payment providersHow Flexilay worksBuy now, pay later alternativesWhy Flexilay isn't BNPL

Modern layby, now on Shopify

Install Flexilay on your Shopify store and offer customers a no-debt way to pay over time — through your own Stripe account.

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