Best Buy Now Pay Later Providers For eCommerce In Australia


The Buy Now Pay Later sector of eCommerce has proven to be a success over the past 24 months in Australia.

From small online merchants to retail giants like Harvey Norman, JB Hi-Fi and even Kmart, the craze has taken over Australia and isn’t going away anytime soon.

The term Buy Now Pay Later refers to interest-free credit providers allowing shoppers to obtain a purchase upfront and pay-off the total amount over a series of smaller, more affordable installments.

For online merchants, offering a Buy Now Pay Later checkout option not only boosts online conversion rates, but helps encourage return buyers. It’s essentially a win-win for both Merchants and customers who might not be able to afford that TV right now, but can if they pay-off the purchase across six weeks.

We have shortlisted the most popular Buy Now Pay Later options available for Australian online merchants.



Arguably the largest buy now pay later provider in Australia (and slowly expanding their market to North America and Europe), Afterpay is the most popular choice for customers looking to split the cost of their purchase into installments. They also provide an extensive online store directory to help drive traffic to your store.

Merchant Benefits of Afterpay

  • Boost sales and new customers
  • Guaranteed up-front payment from Afterpay
  • Increase basket size and repeat purchase rates
  • Zero fraud or credit risk
  • Extensive online store directory
  • Seamless integrations with eCommerce platforms
  • Heavily backed by major retailers
  • Merchants charged 30c per transaction + 4-6% commission


ZipPay / ZipMoney

One of the leading buy now pay later providers in Australia is Zip Money. They offer two solutions in ZipPay and ZipMoney, so they cater to customers who need to use their services for both small purchases and expensive purchases. They integrate with pretty much all the leading eCommerce platforms.

Merchant Benefits of ZipPay / ZipMoney

  • 0% Interest repayments
  • ZipPay – Account limit is under $1000
  • ZipMoney – Account limit is over $1000
  • Can be used for transactions from $1 to $30,000
  • Applications are usually approved within 48 hours
  • Have you store listed on their directory
  • Can be used for any industry
  • Merchants charged 15c fee per transaction + 2-4%




A relatively new contender to the buy now pay later game, Splitit is fast becoming one of the most used solutions online. It integrates with many of the big eCommerce platforms including WooCommerce, Magento, Shopify, Bigcommerce, Prestashop, Saleforce and more.

Merchant Benefits of Splitit

  • Zero Friction – Instant approval, no need to apply for new credit line, no application form or credit check.
  • Approval Rate – Credit card approval rate is higher than 80%
  • 0% Interest – No late fees or penalties for the shopper
  • Global Solution – Capture business from around the world regardless of shopper location
  • Omni-Channel – Allows shoppers to make installment payments online, in store or with their mobile device
  • Seamless Integration – Simple web API integration and plugins with leading ecommerce platforms




Openpay are a buy now, pay later service with a difference. With longer terms across a variety of industries, they allow you to pay over time for the things you need and want.

Merchant Benefits of Openpay

  • Increase average transaction value and conversions
  • Gain new customers
  • Zero Risk – Payment made to merchant the next business day
  • Secure – PCI Data Security compliant as a Level 1 Service Provider.
  • Wide range of eCommerce platform support
  • Openpay does not reveal the fee structure for their service; at the moment, they determine rates based on the type and size of your business.




Sezzle is a buy now pay later company founded in 2016, which is currently used by around 700 online retailers. Currently, Sezzle supports integrations with Spotify, WooCommerce, Magento, and Salesforce Commerce Cloud, with plans to add Big Commerce and 3D cart to its list soon.

Merchant Benefits of Sezzle

  • 4 interest-free payments spread over 6 weeks
  • Integrations with world’s most popular eCommerce platforms
  • Guaranteed upfront payment from Sezzle
  • 0% fraud risk
  • Increase customers and drive sales
  • Online store directory
  • Gaining solid traction in Australia

Need to speak with a web developer about integrating a buy now pay later payment solution with your online store? Contact OnePoint Software Solutions online or call our Brisbane office on 07 3444 0045 today.


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