Bring Shopify
Payment Plans
In-House.
No BNPL provider needed.
100% Shopify Payments.
Get paid as installments come in.
*Payment Plans uses your native Shopify checkout
Set Your Terms
Define installment schedules, deposit amounts, and conditions that fit your business model.
Customers Choose
Shoppers select how many payments to spread their purchase over.
Get Paid
Automatic recurring payments land in your Shopify payout. No chasing invoices, no third-party fees.
Buy-Now-Pay-Later VS Payment Plans
What's Different?
The provider fronts you the full amount upfront and takes a 4–6% cut. You get paid immediately but lose margin on every sale — and BNPL can now ding your customers' credit scores, making them think twice at checkout.*
The customer pays in installments and you get paid as the money comes in. No provider in the middle, no 4–6% cut. Orders stay on hold until fully paid, protecting you from shipping before you've been paid.
*As of 2025, buy-now-pay-later can affect US credit scores, making shoppers think twice before purchasing: The Guardian →
Why choose us
Why Payment Plans?
No BNPL loans or credit score impact for your customers
No 4–6% BNPL fee, just Shopify's standard transaction fee*
Works with your existing Shopify Payments setup
Cards are safely vaulted by Shopify, you never touch or store card data
Flexible plans, no more 4-installment limit. You set the min/max, customers pick what works*
*On the Scale plan
Full transparency
Why Not Payment Plans?
We're not for everyone. Here's when Payment Plans isn't the right fit:
You're not on Shopify Plus
You need 100% of the order revenue upfront
You need to ship orders straight away
You like your customers risking their credit scores with BNPL loans*
You enjoy paying 4%+ fees to your BNPL provider
*As of 2025, BNPL can affect US credit scores, making shoppers think twice before purchasing.
See the app
Your payment plans
Complete control
Your Store,
Your Rules.
Unlike BNPL providers who dictate terms and take a cut, Payment Plans puts you in the driver's seat. Set your own schedules, define your conditions, and keep the customer relationship.
Custom installment schedules tailored to your products
Zero transaction fees beyond standard Shopify Payments
Full control over eligibility rules and plan conditions
How Much Could You Be Saving?
See how Payment Plans Scale plan compares to BNPL providers.
| Provider | Merchant Fee | Consumer Payment Model | Approx. Limit | Your Savings ** |
|---|---|---|---|---|
| Afterpay | 4–6% + $0.30 | 4 payments over 6 weeks | Up to $2–3K | |
| Klarna | 3.29–5.99% + $0.30 | 4 payments over 6 weeks | Up to $1–10K | |
| PayPal Pay in 4 | ~1.5–2.6% + $0.30 | 4 payments over 6 weeks | Up to $10K | |
| Shop Pay Installments | ~5–6% | 4 bi-weekly or monthly up to 24mo | Up to $17.5K | |
| Zip | 3–5.9% + $0.30 | Weekly / fortnightly / monthly | Up to $1–10K | |
| Payment Plans (by PreProduct) |
0% (just Shopify's standard fee) |
Merchant sets min/max installments | No limit. Merchant gets paid as installments land. |
$200/mo flat |
* Fees shown are approximate and may vary by plan, region, and agreement. Payment Plans charges no additional transaction fee beyond Shopify Payments' standard processing rate.
** Savings estimates conservatively use the lowest rate in each provider's merchant fee range, compared against the Scale plan's $200/mo flat fee, and exclude per-transaction charges.
The Features
Flexible Plans
Choose the min and max number of installments customers can pick from, whether daily, weekly, or monthly.
Fulfillment Protection
Orders stay on hold until the full balance is paid in Shopify, so you ship with confidence.
Boost Conversions
Use deposits and per-plan discounts. You can even offer multiple plans on one product, each with its own discount.
Auto-Enrol Products
Use rules to target by tag, type, vendor, or title. Publish once, sell everywhere.
Automatic Billing
Cards are charged on schedule from saved payment methods, with no manual chasing.
Smart Recovery
Failed charge? We retry, rotate to backup cards, and fall back to invoices automatically, so you get paid.
Refunds on Your Terms
Set your own refund policy and cancellation rules, with optional auto-refunds.
Clear Reporting
Track every plan, installment, and customer in one place, with live stats and full payment history. Orders are created in Shopify immediately, so you have oversight from day one.
See it in action
Prefer a Video?
Watch the Payment Plans intro
Early adopter offer
Founding Merchant Offer
We've been in the Shopify ecosystem for 6 years with PreProduct, a best-in-class pre-order app. Payment Plans is brand new; but built on PreProduct's battle-tested code' so new doesn't mean untested.
Pricing
Simple, Transparent Pricing
+ 5% commission of every payment plan
All of the features with 0% commission
*Please note this app is Shopify Plus only
Get startedFor high-volume Shopify Plus stores
Get started today
Ready to Bring Payment Plans In-House?
Join the first 50 Shopify Plus merchants to lock in founding pricing.
Try for free →