Loved by store owners in 158+ countries
This WooCommerce buy now pay later plugin lets approved customers order today and pay later with Pay in 4, monthly installments or net 30 terms. You set every credit limit, and no outside lender takes a cut.
Rated 4.9/5 across Trustpilot, Google and Envato
Featured across the WordPress community
A WooCommerce buy now pay later plugin lets customers take an order now and pay for it over time. This one runs your own in-house program. Each approved customer gets a store credit line, picks a plan at checkout and pays each installment from their account.
Providers such as Klarna or Afterpay approve the shopper themselves and charge the store a fee on every order. Here you approve customers, set their limits and keep that fee. The plugin was called WooCommerce PostPaid before, and it is part of our WooCommerce extensions range.
A loyal customer wants the $1,400 sofa but not the whole bill this month. A trade buyer needs 30 days to pay, like every other supplier gives them. Your checkout says pay now or leave.
Third-party lenders help some of them. They also decline people you know will pay, refuse business buyers and take a cut of every order.
See how your own program worksYou decide who can buy on credit. The plugin handles the plans, the reminders and the books.
Customers apply from My Account. You approve them and give each one a credit limit.
Pay in 4, monthly payments or pay in 30 days. No card is needed to place the order.
An email before each due date and a notice if a payment is missed, with a link to pay.
Each installment goes through your usual checkout and payment methods. Their credit frees up as they pay.
From the price on the product page to the last installment, every step happens in your WooCommerce store.
Shoppers see "or 4 payments of $624.75 every 2 weeks" right under the price. A big number turns into one they can say yes to.
The line can also show in shop and category grids and under the cart total. It updates as soon as a shopper picks a variation. In block themes, place it with a shortcode.
Shoppers who have never paid a store over time want to know the catch before checkout. Learn more opens a short explainer next to the price.
It shows three numbered steps, every plan you offer and a link to apply. Add your own icon, title, steps and footnote.
Buy Now, Pay Later shows up as a payment method next to cards and PayPal. Approved customers see their available credit and choose how to pay.
Each plan shows the payment amount, the first due date and any fee. No card or bank details are needed to place the order. It works in the classic checkout and the Checkout block.
Pay in 4 splits the order into four equal payments, two weeks apart. The first one is due on the day of the order.
The order waits on hold until that first payment comes in. Then it moves to processing on its own. You never ship before money has arrived.
Start with four ready plans: Pay in 4, Pay monthly, 6 monthly payments and Pay in 30 days. Then add your own.
Pick from 1 to 60 payments, days, weeks or months apart. Set a minimum and maximum order per plan and an optional fee. A live preview shows the schedule for a $100 order.
Wholesale and business buyers expect to pay on terms. Pay in 30 days gives them the whole order now and one payment due a month later.
Need net 15, net 45 or net 60? Create a single-payment plan with the days you want. Keep it for trade customers by limiting Pay Later to their user role.
Every new customer starts on your default limit. Raise it for regulars and lower it for new accounts, right in the Customers list.
Adjust Balance adds or removes dues by hand, with a note the customer can see and an optional email. Use it for a delivery fee, a goodwill credit or a payment taken by phone.
Choose how people get credit. Customers can upload an ID or business document for you to review, or simply apply. You can also let every logged-in customer use it.
Documents are stored in a private folder that only the customer and your team can open. Approve or reject in one click, and the customer gets an email either way.
Set a minimum and maximum order amount for the whole store. Keep Pay Later off gift cards, deposits or any product and category you choose.
When Pay Later is hidden, the classic checkout tells the customer why. Their order is too small, it is over their credit, or a payment is overdue.
Three days before each due date, by default, the customer gets a reminder with a link to pay. Miss it, and an overdue notice follows after the grace period you set.
Add a fixed or percentage late fee, charged once per missed payment. Customers who fall behind lose Pay Later for new orders until they catch up.
My Account gets a Pay Later section that looks like a banking app. Customers see what they can spend, what they owe and when the next payment is due.
Payment Plans shows the progress of every order. History lists each purchase, payment and fee. Tabs switch instantly, without a page reload.
Customers press "Pay now" in their account or in a reminder email. The amount goes to your normal checkout, where they pay by card, PayPal or bank transfer.
There is nothing new to set up and no gateway lock-in. Money settles the oldest installment first, and the order notes record every step.
Some customers like to pay a little extra, or clear the whole balance after payday. Turn on partial payments and they can pay any amount toward what they owe.
Set a minimum payment if you want one. You can also add a fixed or percentage charge to each repayment, shown to the customer before they pay.
The Installments screen lists every payment with its customer, plan, amount and due date. Filter by upcoming, due in 7 days, overdue or paid.
Took a payment by bank transfer or in person? Record it with one click. Send a reminder to one customer or many, and export the list to CSV.
See outstanding dues, credit used, repayments received and your repayment rate, each compared with the previous period. Track active customers, payments due in 7 days, overdue payments and late fees.
Charts show credit used against repaid, orders by plan and customer health. Lists show upcoming payments and the biggest balances.
Every purchase, repayment, refund, fee and manual change lands in the Transactions ledger. Filter by type, customer or date and export it to CSV for your accountant.
Refunds and cancelled orders put credit back on their own and shrink the remaining payments. Customers see the same history in their account.
Customers get their full payment schedule, reminders, overdue notices, payment receipts and approval news. You get an email for every new application.
Each email has its own switch, subject, heading and message. All of them use your WooCommerce email design. They look like the rest of your store mail.
Show the balance as a clean panel or a branded credit card. Choose the tab style, the corners and 11 colors to match your theme.
Rename the tabs and the menu item too. Call it Store Credit, My Credit or anything your customers will recognize.
No lender account, no merchant application and no monthly platform fee. Balances live in your own database.
Pay Later is a standard WooCommerce payment method. It sits next to your other gateways and changes nothing about them.
Payment plan plugins split an order. This one gives each customer a credit line you manage, with the controls a lender would use.
Review documents, approve by hand or open it to all. A provider's algorithm never turns away a customer you trust.
Set a default and raise or lower it for each person. Nobody can owe you more than you allow.
Third-party BNPL costs around 5% to 6% plus a fixed fee per order (see WooPayments BNPL fees). Here you only pay your normal gateway fee on each installment.
Consumer installments and business terms run on the same credit line. Most tools only do one of the two.
Customers who miss a payment get a notice, a late fee if you want one, and no new credit until they pay.
Shoppers see the payment amount before they reach checkout. That is when a big price turns into a yes.
Balances, documents and payment history live in your database. Nothing goes to an outside lender.
Many BNPL providers serve consumers in a short list of countries only. Your own program works for anyone you sell to.
Plans, approval, reminders, late fees and the dashboard are all included. There are no add-ons to buy.
We are official WooCommerce core contributors, and this plugin sits beside our other WooCommerce payment plugins.
The free plugin runs a real Pay in 4 and Pay in 30 days program with approval, reminders and the full customer area. Pro adds custom plans, per-customer limits, documents, late fees and exports.
| What you get | Free | Pro |
|---|---|---|
| Pay Later payment method on a store credit line | Yes | Yes |
| Classic checkout, Checkout block and HPOS | Yes | Yes |
| Pay in 4 with the order held until the first payment | Yes | Yes |
| Pay in 30 days | Yes | Yes |
| Store-wide default credit limit | Yes | Yes |
| Manual approval or open to all customers | Yes | Yes |
| Minimum and maximum order amount | Yes | Yes |
| Installment message on product, shop and cart | Yes | Yes |
| Learn more popup | Default text | Your icon, title, steps and note |
| Reminder before each due date | Yes | Yes |
| Overdue notice and credit pause | Yes | Yes, after a grace period |
| Refunds and cancellations restore credit | Yes | Yes |
| Adjust a balance with a note and email | Yes | Yes |
| Record a payment made outside the store | Yes | Yes, one by one or in bulk |
| Nine editable emails | Yes | Yes |
| My Account Pay Later section | Yes | Yes |
| Dashboard | Yes | Adds late fees and the activity chart |
| Pay monthly and 6 monthly payments plans | No | Yes |
| Plan builder: 1 to 60 payments, any net terms | No | Yes |
| Plan fees and order limits per plan | No | Yes |
| Credit limit per customer | No | Yes |
| Document upload approval and re-upload | No | Yes |
| Allowed user roles | No | Yes |
| Excluded products and categories | No | Yes |
| Choose the advertised plan and audience | No | Yes |
| Grace period and late fees | No | Yes |
| Partial payments, minimum and repayment charge | No | Yes |
| Send reminders now, one or in bulk | No | Yes |
| Bulk approve or reject customers | No | Yes |
| CSV export of installments and transactions | No | Yes |
| Customer area layout, colors and labels | No | Yes |
| Updates | From WordPress.org | One click with an active plan |
| Support | WordPress.org forum | Priority replies within hours |
| Price | Free | From $49 a year |
More than 20 accepted contributions to WooCommerce core. The same care goes into how this plugin handles your orders and balances.
More than $125,000 in sales and 500+ five-star reviews across Trustpilot, Google and Envato.
A short setup wizard sets your credit limit, approval, plans and reminders. Approve your first customer and Pay Later is ready.
Real WooCommerce developers answer your tickets. Every plan includes priority support and a 14-day refund.
Outstanding dues, repayment rate and overdue payments are on your dashboard every morning.
Every label is translation ready and every customer message is written by you.
Elite Author
Sold more than $125,000 on Envato Market.
Featured Author
Made it to the Authors' Hall of Fame.
Community Health
Took part in community research initiatives.
WP Compliant
Keeps items to current WordPress standards.
Copyright Ninja
Helped protect against copyright violations.
Feedback Guru
Joined a group to improve the experience.
Trendsetter
Had an item that was trending.
Featured Item
Had an item featured on Envato Market.
Big tickets sell faster as four smaller payments. The order waits until the first one is paid.
Offer net 30 or net 60 to trade accounts only, with a credit limit for each business.
Give regulars a running credit line and let them settle up when it suits them.
Bring the old shop tab online. Prefer prepaid balances instead? See our WooCommerce wallet plugin.
Sell in a country or category the big BNPL providers skip. Your rules decide.
Use the hooks and filters to fit each client's rules. Need more? Our WooCommerce development team builds the rest.
Activate the free Buy Now Pay Later plugin and Pro. Enter your license key and the setup wizard opens.
Set the default credit limit, the approval process, your plans and the reminder days.
Review applications on the Customers screen and adjust any credit limit.
Write your message, turn on the Learn more popup and place a test order with Pay Later.
Reviews from verified buyers of our WooCommerce buy now pay later plugin, including the WooCommerce PostPaid years. Bought it? Your review helps the next store owner decide.
5.0/ 5
9 reviews
Great Option for Customers
This plugin is a great way to give customers more flexibility and choice. It adds real value to the buying experience.
Best WooCommerce BNPL Plugin
The PostPaid plugin works really well and does exactly what it promises. Even though my site is still in development, everything has been smooth so far, both on the front end and back end.…
Best in the Business with Excellent Support
They are truly the best in the business. The plugin helps me run my operations smoothly, and the support is quick and excellent. I would definitely recommend others to try their services. Thank you,…
Best Support Experience So Far
This is the best support I’ve experienced. Very fast, helpful, and reliable. Really impressed!
Very Useful Plugin with Amazing Support
This plugin is really useful for our business. The support is amazing. Super fast responses and quick solutions to any issue. Keep up the good work!
Great BNPL Plugin with Super Fast Support
This is a great plugin for handling buy now, pay later solutions. The support team is very dedicated and highly responsive. My queries were answered within minutes. Really impressed. Good work, guys!
Fast and Excellent Support
Thanks for the quick and great support. The team is very responsive and helpful!
Great Plugin with Awesome Support
I really like this plugin. The support system is excellent—they respond quickly whenever you reach out. The plugin works well for managing postpaid payments and is easy to use. I would definitely recommend it.
Great Plugin with Fast and Helpful Support
Thank you for building such a great plugin—it works really well and does exactly what I needed. I’m also very happy with the support team, as they respond quickly and fix issues without delay.…
Store owners kept telling us the same story. Their best customers wanted to pay over time, and the big lenders turned half of them down. The ones who got approved cost the store 6% of every order.
So I built a WooCommerce buy now pay later plugin that runs inside your own store. You decide who gets credit and how much. Your customers pay you directly, and the reminders do the chasing.
One yearly price with every feature in it. There are no limits on customers, plans or orders.
Every plan works as long as your subscription stays active. It renews yearly until you cancel, and you can cancel anytime from your account. Every plan is backed by our 14-day refund policy.
$49/year
Just $4.08/mo when billed annually
$199/year
Just $16.58/mo when billed annually
$299/year
Just $24.92/mo when billed annually
If the plugin does not work as promised on your site, you have the backup of our 14-day refund policy to ask for your money back.
Every screen below comes from the plugin running a real WooCommerce store. The live demo is the same build and needs no account.
11 releases Updated Nov 2, 2026
Latest Major release
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Major release
1 change
No changes of this type yet.
Answers to what store owners ask us most about running their own pay later program.
Ask a QuestionNo. Those providers pay you upfront, run their own credit check and take the risk if a shopper does not pay. In return they charge a fee on every order.
This plugin runs your own program. You approve customers, set their limits and receive each payment directly. You also carry the risk, which is why it comes with limits, reminders, late fees and a credit pause.
Yes. Pay Later is a separate payment method. It sits next to any other gateway. Many stores use a provider for new shoppers and their own credit for regulars and trade buyers.
On a $400 order, a 6% plus $0.30 provider fee costs you $24.30 (see WooPayments BNPL fees). With your own Pay in 4, you pay your normal card fee on four $100 payments, about $12.80 at 2.9% plus $0.30. The difference is that the unpaid balance is your risk.
No. The plugin stores no cards. Customers pay each installment from My Account or from the link in their reminder email, using any payment method your store accepts. You can also record payments taken by bank transfer or in person.
There is no credit check. Choose one of three ways. Customers upload an ID or business document for you to review, or they apply and you approve by hand. You can also let every logged-in customer use Pay Later straight away.
Every new customer starts on your default limit, $1,000 out of the box. You can change any customer's limit on the Customers screen. Raising or lowering it moves their available credit by the same amount.
After the grace period, the payment is marked overdue and the customer gets a notice with a pay link. An optional late fee is added once. Pay Later stays off for new orders until they catch up, and their account page shows what to pay.
You can add a fixed or percentage fee per plan, a late fee per missed payment, and a charge on each repayment. Nothing builds up over time. Fees can change how consumer credit rules apply to you. Check them before you turn fees on.
The first payment is due on the order day. The order stays on hold until the customer pays it from the thank-you page or their account. It then moves to processing on its own. You never ship an unpaid order.
Yes. Add the wholesale or B2B role under Allowed User Roles, and only those customers see Pay Later. Use the ready Pay in 30 days plan, or build net 15, 45 or 60 with your own number of days.
Net 30 is the most common trade term, and many business buyers expect it. Net 15 suits smaller orders or newer accounts. You can run both and choose who sees each through plan order limits and roles.
No. Credit belongs to a customer account. Pay Later shows for logged-in, approved customers. Guests see the installment price and a link to log in or create an account and apply.
A refund puts the amount back on the customer's credit and lowers their remaining payments, last one first. A cancelled or failed order returns whatever was still owed on it. Every change is in the ledger.
Yes. With partial payments on, customers can pay any amount from their account, up to the full balance. Payments settle the earliest installments first.
The whole order total, tax and shipping included, is split into the plan's payments. WooCommerce calculates tax once, on the original order. The installment payments are not taxed again.
Yes. The plan picker works in the classic checkout and the Checkout block, and the plugin supports High-Performance Order Storage. In block themes, place the product page installment message with the shortcode.
Interest-free Pay in 4 and pay in 30 days for your own customers is the simplest case in most markets. In the US, Regulation Z treats credit in more than four installments, or with a finance charge, differently. In the UK, the FCA keeps merchants who offer their own interest-free credit outside the new BNPL rules.
Interest, fees or long monthly plans can bring consumer credit rules into play. This is not legal advice. Check the rules where you and your customers are.
Yes. Buy Now Pay Later for WooCommerce is free with Pay in 4, Pay in 30 days, approval, reminders, the dashboard and the customer area. Pro adds custom plans, per-customer limits, documents, late fees and CSV exports.
Want to compare other options first? Read our comparison of WooCommerce buy now pay later plugins.
This is the same plugin under a new name, rebuilt in version 2.0. Existing dues become a single installment on their old due date, and your old payment term becomes a Pay in N days plan. Customer limits and balances stay as they are.
This plugin comes with a 14-day refund policy. If it does not work as described on your site, contact us within 14 days for a full refund. Read the full terms on our refund policy page, and every setting in the Buy Now Pay Later documentation.
Add a WooCommerce buy now pay later plugin that lets you approve customers, set limits and collect every payment with no lender in the middle. Try the live demo and then pick a plan.
What you get the day you turn it on.
from 500+ reviews
Store owners in 158+ countries run on DevDiggers.
Elite Author with $125,000+ in sales.
