WooCommerce Buy Now Pay Later - Installments & Pay in 4 | Net 30 Terms & Credit Limits | BNPL

Buy Now Pay Later is a WooCommerce buy now pay later plugin that runs your own in-house credit program. 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.

WooCommerce only takes payment in full. Lenders like Klarna approve the shopper themselves, decline people you trust and charge about 6% of every order.

It works as a BNPL plugin for consumers, a WooCommerce installment plugin for big tickets and deferred payment for trade buyers. It was sold here as WooCommerce PostPaid, and existing balances carry over.

Every plan and the latest features: Buy Now Pay Later plugin page
Rated 5.00 out of 5 by CodeCanyon buyers

Big orders stall when the only option is paying in full

A loyal customer wants the $1,400 sofa but not the whole bill this month. A trade buyer needs 30 days to pay. 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.

How WooCommerce buy now pay later works

You approve customers and give each one a credit limit. They pick a plan at checkout and pay each installment from their account. The setup wizard sets your limit, plans and reminders.

WooCommerce buy now pay later features

Every feature below ships in this one download. It covers WooCommerce installment payments from the price on the product page to the last payment.

Installment prices and a Learn more popup on every product

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.

Learn more opens a short explainer with three steps, every plan you offer and a link to apply. The line also shows in shop grids and under the cart total.

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A pay later plan picker at checkout

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 is needed to place the order.

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Pay in 4 that holds the order until the first payment

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 and you never ship before money arrives.

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WooCommerce payment plans you build yourself

Start with 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 order limits per plan and an optional fee, and a live preview shows the schedule for a $100 order.

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Net 30 payment terms for trade customers

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.

Read the guide

A credit limit for every pay later customer

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. Use it for a delivery fee, a goodwill credit or a payment taken by phone.

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Customer approval with a document upload

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 sit 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.

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Rules for who can pay later and on what

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.

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Payment reminders and late fees with a credit pause

Three days before each due date the customer gets a reminder with a link to pay. Miss it and an overdue notice follows after your grace period.

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.

Read the guide

A pay later account page with partial payments

My Account gets a Pay Later section. Customers see what they can spend, what they owe and when the next payment is due.

They pay through your normal checkout with any gateway you accept. Turn on partial payments and they can pay any amount or clear the whole balance.

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Every installment and payment in one list

The Installments screen lists every payment with its customer, plan, amount and due date. Filter by upcoming, due in 7 days, overdue or paid.

Record a bank transfer or an in-person payment with one click. The Transactions ledger keeps every purchase, payment, refund and fee.

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A pay later dashboard that shows who owes what

See outstanding dues, credit used, repayments received and your repayment rate. Each one compares with the previous period.

Charts show credit used against repaid, orders by plan and customer health. Lists show upcoming payments and the biggest balances.

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Full feature list

Product and cart

• Installment price under the product price
• Installment line in shop grids and under the cart total
• Live update for variable products
• Learn more popup with your icon, title, steps and footnote
• Shortcode for block themes

Checkout and plans

• Pay Later payment method on a store credit line
• Plan picker in the classic checkout and the Checkout block
• Pay in 4 with the order held until the first payment
• Pay monthly, 6 monthly payments and Pay in 30 days
• Plan builder from 1 to 60 payments with order limits and a fee

Credit and approval

• Default credit limit and a limit per customer
• Document upload, manual approval or open to all
• Private document storage and re-upload after a rejection
• Bulk approve or reject
• Adjust a balance with a note and an email

Rules

• Minimum and maximum order amount
• Excluded products and categories
• Allowed user roles for wholesale or B2B
• Clear reason at checkout when Pay Later is hidden

Collecting payments

• Reminder before every due date
• Grace period, fixed or percentage late fee and a credit pause
• Installments paid with any WooCommerce gateway
• Partial payments with a minimum and an optional repayment charge
• Record payments made outside the store
• Refunds and cancellations restore credit

Customer area and emails

• Pay Later section in My Account with plans and history
• Balance panel or credit card layout
• Tab style, corners, 11 colors and your own labels
• Nine editable emails in your WooCommerce email design

Reports

• Dashboard with eight live numbers
• Credit used vs repaid, orders by plan and customer health charts
• Installments list with upcoming, due soon, overdue and paid views
• Transactions ledger and CSV export

What you need to offer buy now pay later in WooCommerce

No lender account, no merchant application and no monthly platform fee. Balances live in your own WordPress database.

Works with the WooCommerce store you already run

Pay Later is a standard WooCommerce payment method. It works in the classic checkout and the Checkout block, supports HPOS and sits next to your other gateways.

Why run your own pay later program

Payment plan plugins split one order. This WooCommerce pay later plugin gives each customer a credit line you manage, with the controls a lender would use.

Who this pay later plugin is for

Furniture and bike shops sell big tickets as four smaller payments. Wholesale suppliers offer invoice payment for B2B customers on net 30 terms.

What buyers say

WooCommerce buy now pay later questions

Is this a lender like Klarna or Afterpay?

No. Those providers pay you upfront, run their own credit check and charge a fee on every order.

This plugin runs your own program. You approve customers, set their limits and receive each payment directly, and you carry the risk.

Can I run it alongside Klarna or PayPal Pay Later?

Yes. Pay Later is a separate payment method next to any other gateway. Many stores use a provider for new shoppers and their own credit for regulars.

Are installments charged to the customer card automatically?

No. The plugin stores no cards. Customers pay each installment from My Account or from the link in their reminder email with any payment method you accept.

Is there a credit check before approval?

No. Customers upload a document for you to review, or they apply and you approve by hand. You can also open Pay Later to every logged-in customer.

What happens if a customer misses a payment?

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 and Pay Later stays off until they catch up.

Can I offer net 30 to wholesale customers only?

Yes. Add the wholesale or B2B role under Allowed User Roles and only those customers see Pay Later. Use Pay in 30 days or build net 15, 45 or 60.

Does it support WooCommerce partial payment or early payoff?

Yes. With partial payments on, customers pay any amount from their account up to the full balance. Payments settle the earliest installments first.

What happens with refunds and cancelled orders?

A refund puts the amount back on the customer credit and lowers their remaining payments. A cancelled or failed order returns whatever was still owed on it.

I use WooCommerce PostPaid. What changes?

This is the same plugin under a new name, rebuilt in version 2.0. Existing dues become one installment on their old due date and customer limits stay as they are.

Support and custom work

Support comes from the developers who wrote the code, usually within hours. Start with the Buy Now Pay Later documentation or contact our team. See every feature on the WooCommerce buy now pay later plugin page.

Need your own credit rules or a link to your accounting tool? Our WooCommerce development services team builds custom Pay Later features for you.

Requirements

• WordPress 6.5 or newer
• WooCommerce 9.0 or newer

Changelog

v 1.3.1 Added WooCommerce HPOS compatibility. Added hooks for the customization. Added compatibility with the latest WordPress and WooCommerce. Resolved security issues. 

v 1.3.0 Added functionality to adjust dues amount from the backend. Added hooks for the customization. Added compatibility with latest WordPress and WooCommerce. Resolved security issues. 

v 1.2.0 Added functionality to set different PostPaid limits for different users. Added hooks for the customization. Added compatibility with latest WordPress and WooCommerce. Resolved security issues. 

v 1.1.4 Added compatibility with latest WordPress and WooCommerce. Resolved security issues. 

v 1.1.3 Added compatibility with latest WordPress and WooCommerce. Updated license API. Resolved security issues. 

v 1.1.2 Added compatibility for WooCommerce 5.7.x. Added compatibility for WordPress 5.8.x. Fixed security issues. 

v 1.1.1 Added compatibility for WooCommerce 4.8.x. Added compatibility for WordPress 5.6.x. Fixed security issues. 

v 1.1.0 Added interest charges as percentage or fixed on clearing postpaid dues. Added compatibility for WooCommerce 4.6.0. Fixed security issues. 

v 1.0.1 Added License Activation in configuration menu. Fixed security issues. 

v 1.0.0 Initial Release