Buy Now Pay Later (BNPL)

BNPL adapters let merchants offer installment payment options at checkout — split into 3, 4, or more payments, with the merchant receiving funds immediately. Approximately 24 integrations in this category.

---

Global & Multi-Region

Provider	Adapter name	Regions	Pay-in	Pay-out	Required params
Klarna	klarna	EU, US, AU, CA	✅	—	api_key, merchant_id
Afterpay / Clearpay	afterpay_sg	AU, NZ, US, UK, EU	✅	—	merchant_id, secret_key
PayPal Pay Later	paypal	US, UK, EU, AU	✅	—	Via PayPal adapter
Splitit	splitit	Global	✅	—	username, password

---

North America

Provider	Adapter name	Countries	Pay-in	Pay-out	Notes
Affirm	affirm	US, CA	✅	—	public_api_key, private_api_key
Sezzle	sezzle	US, CA	✅	—	public_key, private_key
Zip (Quadpay)	zip_us	US	✅	—	api_key, merchant_id
Perpay	perpay	US	✅	—	Paycheck-linked
Bread Pay	breadpay	US	✅	—	partner_name, partner_key
Katapult	katapult	US	✅	—	Lease-to-own model
PayTomorrow	paytomorrow	US	✅	—	api_key

---

Europe

Provider	Adapter name	Countries	Pay-in	Pay-out	Notes
Klarna	klarna	SE, DE, NL, UK, FR, ES +	✅	—	Largest EU BNPL
Clearpay	afterpay_sg	UK	✅	—	Afterpay UK brand
PayPal Pay Later	paypal	UK, DE, FR, ES, IT	✅	—
Sequra	sequra	ES, IT, PT, FR	✅	—	merchant_ref, user, secret
Aplazame	aplazame	ES	✅	—	api_key
Mondu	mondu	DE, AT, NL, BE	✅	—	B2B BNPL
billie	billie	DE, AT, CH, NL	✅	—	B2B invoicing
Riverty	riverty	DE, SE, NL, FI, NO	✅	—	Formerly Afterpay EU

---

Asia-Pacific

Provider	Adapter name	Countries	Pay-in	Pay-out	Notes
Atome	atome	SG, MY, HK, ID, PH, TH	✅	—	api_key, secret
Akulaku	akulaku	ID, PH, MY, TH	✅	—	partner_code, secret_key
Kredivo	kredivo	ID	✅	—	server_key
Billease	billease	PH	✅	—	api_key
Pace	pace_sg	SG, MY, TH	✅	—	client_id, client_secret
SpayLater (Shopee)	spaylater	SG, ID, PH, TH	✅	—	Via Shopee ecosystem
Paidy	paidy	JP	✅	—	api_key, secret_key
GMO Atobarai	gmo_atobarai	JP	✅	—	shop_id, shop_password
Zip AU	zip_au	AU, NZ	✅	—	api_key, merchant_id

---

Latin America

Provider	Adapter name	Countries	Pay-in	Pay-out	Notes
Kueski Pay	kueski	MX	✅	—	api_key
Addi	addi	CO, BR	✅	—	client_id, client_secret

---

Integration Notes

3D Secure & BNPL

BNPL flows typically bypass traditional 3DS — authentication is handled by the BNPL provider directly. Ensure your terminal routing rules account for this when mixing card and BNPL methods.

Merchant Settlement

With all BNPL providers, the merchant is paid immediately (or next business day). The BNPL provider assumes the installment risk and collection responsibility.

Refunds

All BNPL adapters support full and partial refunds via PUT /api/v1/transactions/:id with type: "refund". The BNPL provider manages repayment plan adjustments with the customer.

Full parameter reference

For detailed configuration and test credentials, click on any provider above to open its detail page.