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Best free Payment experience Shopify apps in 2027 [Updated]
PickYourApp Review Team
6 min read
•
Oct 02, 2026
The Best Free Shopify payment apps help merchants deliver smooth, secure checkout experiences without adding costs. From flexible payment plans and buy-now-pay-later options to customizable checkout fields and automated payment reminders, these essential tools make it easier for customers to complete purchases while giving store owners more control over their payment processes. Discover top-rated free solutions to improve your store's payment experience.
| Name | Rate on Shopify | Price | Free trial | Key features |
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#1. Use native Store Credit to set cashback and rewards for any customer action that drives retention.
Koin is a loyalty and marketing automation solution that helps increase customer retention and repeat purchases through cashback and reward programs using Shopify-native store credit. Issue store credit for loyalty rewards or marketing campaigns without hurting your profit margins—making it the perfect discount replacement tool. Set cashback rates by product or order for both DTC customers and B2B companies on Shopify Plus. Automate rewards using pre-built Shopify Flow templates or create custom flows. Bulk edit or individually manage store credit from customer accounts with an intuitive dashboard. Promote your rewards program with widgets and send automated emails when store credit is issued. Easily migrate existing loyalty points into store credit with ready-made templates and 1:1 support. Track and manage all store credit activity through a simple dashboard that keeps everything organized. -
#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. -
#3. Offer your customers discount or charge them fee based on Payment methods they choose.
ChargeIt lets you add payment method fees or discounts based on how customers choose to pay. Since cash on delivery costs more to fulfill than prepaid orders, you can now price them differently. Customers select their payment method on the cart page or at checkout, and ChargeIt automatically applies your fee or discount on a custom line item. You can charge a percentage or fixed amount, either flat rate or tiered by cart subtotal. Create rules that work for your business by limiting them based on country, cart value, customer type, tags, or specific products. The payment selector integrates seamlessly with your theme on the cart page. You can also announce payment offers at the top of your store with an optional countdown timer to drive urgency. -
#4. Drive sales by making it easier for customers to buy what they love with PayPal every time they shop
PayPal Payments Studio helps drive sales by making checkout easier for your customers. This app guides shoppers from discovery to purchase with relevant PayPal messaging and express checkout options at key moments throughout their journey. Customers can complete purchases faster with PayPal express checkout, choose flexible installment payment options that fit their budget, and access exclusive PayPal rewards and benefits. These features build confidence during shopping and help increase conversion rates in your store. The app displays PayPal payment options at strategic points, showing customers how they can pay before they reach checkout, reducing cart abandonment and encouraging more completed purchases. -
#5. Rename, reorder and hide payment methods at checkout — conditionally, with no theme code.
Nexus Hide Payment Rules lets you rename, reorder and hide payment methods at checkout based on conditions you set — no theme code required. Control which payment options shoppers see using cart total, customer tags, order count, products, collections, shipping country, B2B buyers, subscriptions, cart attributes and metafields. Combine multiple conditions with AND or OR logic. Hide cash on delivery for orders below a certain value. Reorder payment gateways to show your preferred option first. Rename confusing payment labels into clear wording customers understand. Built on Shopify Functions for native checkout speed. Three tools in one rule builder: rename, reorder, or hide any payment method without editing your theme or adding scripts. -
#6. Show B2B buyers Net Terms and Financing, with zero credit risk to you, before they reach checkout
Credit Key helps B2B buyers access Net Terms and financing options directly on your store, with zero credit risk to you. Your business customers get credit decisions in seconds, even when traditional lenders decline them. This B2B BNPL solution shows flexible payment options on product, cart, and checkout pages, helping convert more carts into completed orders. Buyers managing tight cash flow and rising costs can choose Net Terms for inventory purchases or monthly installments for larger investments. Credit lines up to $50K give your customers real purchasing power, lifting order values while you get paid in as little as 48 hours. The credit risk stays with Credit Key, not you. One simple integration covers all payment flexibility your B2B buyers need to say yes to bigger orders. -
#7. Convert more sales with INSTANT credit from multiple lenders
Increase your sales with instant financing options that work for your customers. The Purchase Power Estimator (PPE) shows buyers their monthly payment options directly on your product pages based on their credit range. This transparent approach helps customers understand their buying power while improving your store's click-through and conversion rates. WeGetFinancing connects shoppers with multiple lenders across the full credit spectrum, supporting various cart sizes and business types. The simple checkout process makes financing decisions quick and clear. Ready to offer better payment options? Visit WeGetFinancing's website and click the "Merchants" tab to get started. -
#8. Enjoy an even faster checkout experience with Express Cards via PayMongo
Process payments smoothly with Express Cards via PayMongo, a secure payment solution for your Shopify store. Accept VISA and Mastercard payments directly on your website while keeping transactions protected through advanced fraud detection. The PayMongo dashboard lets you monitor and track all card transactions in real-time, making reconciliation simple and straightforward. To get started, you'll need an activated PayMongo account - just visit their website to sign up. With Express Cards via PayMongo, your customers enjoy quick and secure checkout while you maintain full visibility of your payment processing. -
#9. En Sistecrédito te ayudamos a ampliar tu base de clientes con pagos por crédito con fácil aprobación
Sistecrédito ofrece un método de pago flexible que permite a tus clientes colombianos comprar a cuotas con aprobación rápida. Con una extensa base de datos nacional y altas tasas de aprobación, este sistema de pago alternativo ayuda a aumentar las ventas de tu tienda online al facilitar opciones de financiamiento accesibles. Los compradores pueden completar sus compras mediante un proceso sencillo de crédito, mientras que tu negocio recibe los pagos de forma segura. Como uno de los métodos de pago más utilizados en Colombia, Sistecrédito te ayuda a llegar a más clientes que prefieren pagar a plazos sus compras en línea. -
#10. 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.
