PAYFULL

Payment options

Every way your customer can pay. One integration.

Seven BNPL providers, card payments, digital wallets, and bank transfer — orchestrated together and routed to whichever gets the sale.

Compare every financing option

Buy Now, Pay Later

Offer the right financing path for the purchase and applicant.

Financing

Affirm

The high-ticket workhorse. Terms up to 36 months, 0–36% APR, and no late fees — on approval amounts that actually cover a $20,000 program.

Pay in 4 (6 wks) · 3–36 months monthly

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Financing

ClarityPay

Financing that stays in your brand. Six weeks to 36 months, white-labeled end to end, with your customers remarketed back to you — never cross-sold to a competitor.

6 weeks – 36 months

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Financing

Klarna

The most recognized name at checkout. Pay in 4 for smaller tickets, financing up to 24 months for bigger ones, and a brand your customers already trust.

Pay in 4 (6 wks) · Pay in 30 days · 6–24 months financing

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Financing

SplitIt

No new loan. No new credit check. Your customer's existing card, split into up to 36 payments. The highest approval rate in the stack, because there's nothing to approve.

3–36 monthly installments

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Financing

Afterpay

Pay in 4 for deposits and entry-tier offers, or Pay Monthly up to 24 months on purchases from $100 to $20,000.

Pay in 4 (6 wks) · Pay Monthly 3–24 months

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Financing

Sezzle

Pay in 4 with dynamic limits that grow as customers build history, plus long-term plans on larger tickets. Strong with younger and thin-file buyers.

Pay in 4 (6 wks) · 3–48 months on qualifying purchases

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Financing

Zip

Assessed per purchase rather than against a fixed line — so customers who cap out on other BNPLs often still get approved.

Pay in 4 (6 wks) · 8 payments over 14 weeks

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Cards & Wallets

Accept card payments and accelerated wallet checkout.

card

Card processing

Multiple acquirers, AI routing, 3-D Secure, and network tokenization tied to Token Vault.

Visa, Mastercard, Amex, and Discover payments.

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wallet

Apple Pay

Device-token security for mobile checkout.

One-tap checkout on iOS and Safari.

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wallet

Google Pay

Device-token security for mobile checkout.

One-tap checkout on Android and Chrome.

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Bank & Alternative

Lower-cost bank payments for large transactions.

bank

ACH & bank transfer

Bank verification, settlement timing, and return handling for large payments.

Low-cost, high-ticket payments.

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Need a side-by-side view?

See contracted PayFull terms, customer cost, and how each financing program pays your business.

Open the comparison matrix →