Best free Payments Shopify apps in 2026 [Updated]
PickYourApp Review Team
6 min read
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Oct 10, 2025
The Best Free Shopify payment apps give merchants flexible options to manage transactions and improve customer experience. From installment plans and partial payments to try-before-you-buy solutions and store credit programs, these apps help online stores offer convenient payment methods without upfront costs. Whether you need deposit management, split payments, or automated bank transfer processing, these free tools make it easier for customers to complete purchases while helping merchants maintain healthy cash flow.
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#1. A control panel for management of Layaway orders placed via our Layaway payments method app.
Manage your Layaway orders efficiently with this comprehensive control panel designed for the Lay-Buy payment method. Track all monthly installment payments, monitor transaction history, and process customer payouts directly through the interface. This app works seamlessly with PayPal to handle payment processing and provides detailed reporting for all your Lay-Buy transactions. Whether you know it as Layaway (USA) or Layby (Australia, New Zealand), this control panel gives you complete oversight of your installment payment orders. Access payment records, review transaction details, and handle early payouts - all from one centralized dashboard in your store admin.Install from Shopify App Store
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#2. Increase conversion and recurrence with on-site messaging about seQura as a payment solution.
The seQura On-Site Messaging App makes it simple to showcase payment options throughout your customer's shopping journey. Using the visual editor, you can create and customize messaging widgets for your product and checkout pages - no coding required. Display flexible payment solutions from seQura to help shoppers understand their payment choices, leading to better conversion rates and repeat purchases. The app lets you preview and publish your customized messages instantly, making it practical to promote seQura payment options exactly where your customers need to see them.Install from Shopify App Store
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#3. Earn customer loyalty by letting them buy now, pay later. Offer flexible installment payment options
Enable your customers to buy now and pay later with flexible installment payment options. This payment solution lets shoppers split their purchases into convenient monthly payments, making higher-priced items more accessible. Set initial payments between 0-99% and customize recurring invoice schedules that work for both you and your customers. Apply installment plans to specific products, collections, or your entire store. The customizable payment widget integrates seamlessly with your shop, allowing you to adjust text and placement. As customers make purchases, they receive automated recurring invoices until their balance is paid in full. Currently free for new users, this installment payment system helps increase average order values while providing shoppers with affordable payment alternatives for larger purchases.Install from Shopify App Store
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#4. Bread Pay offers an easy and convenient way to buy the things you want now and pay over time
Bread Pay Messaging helps customers explore financing options early in their shopping journey. Shoppers can quickly pre-qualify and see transparent payment plans before making a purchase, increasing their buying power without hidden fees or deferred interest. The simple checkout process takes under 60 seconds, and retailers receive full payment upfront while Bread Pay manages customer payments over time. Create custom financing plans that work for your customers, track shopping behavior, and reconnect with potential buyers who haven't completed their purchase. With clear terms and no prepayment penalties, this financing solution makes it easier for customers to buy what they want while helping merchants increase sales.Install from Shopify App Store
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#5. Let your customers know they can BNPL – before they reach checkout.
Credit Key helps B2B merchants offer flexible payment options to their business customers in the US. Display Net 30 and extended payment terms messaging across your product pages, cart, and checkout to reduce cart abandonment and increase order values. Your customers get instant credit decisions and can manage their business purchases over time, while you benefit from higher conversions through a seamless checkout experience. The integration process is quick and straightforward, making it easy to start offering buy now, pay later options to your B2B customers. Available for US merchants selling through any online or offline channels - connect with Credit Key's team to learn more about implementing BNPL for your business.Install from Shopify App Store
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#6. Effortlessly tag products for organization and streamlined inventory management
This product tagging app helps merchants organize their inventory more effectively through smart categorization features. The app lets you tag multiple products simultaneously based on categories, attributes, or custom criteria, making inventory management simpler and more efficient. Whether you run a small shop or large e-commerce business, you can easily search and manage tagged products, customize tags to match your specific needs, and maintain a well-organized product catalog. By reducing manual tagging work, the app helps save time and keeps your inventory organized, leading to improved productivity in your day-to-day operations.Install from Shopify App Store
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#7. Offer payments via Paypal in your shop.
Accept PayPal payments seamlessly in your Shopify store with this user-friendly payment integration app. Your customers can complete their purchases using PayPal during checkout, giving them a trusted payment option they know and prefer. The app installs quickly with just a few clicks and supports both international and local payment methods. Access additional features through the wallee portal to manage your payments effectively. Give your customers the convenience of PayPal checkout while keeping your payment processing simple and secure.Install from Shopify App Store