Best free Payment experience Shopify apps in 2026 [Updated]

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.

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.

This app lets you hide, rename, and reorder payment methods at checkout using native Shopify Functions. Control which payment options customers see based on cart total, product type, country, customer tags, and other conditions. Perfect for reducing transaction fees, preventing fraud, and managing regional restrictions like hiding COD for specific locations. Built for high-performance checkouts without slowing down your store. Fully compatible with Checkout Extensibility and requires no theme code changes. Ideal for scaling stores and B2B merchants who need complete control over payment method visibility and order. Set up rules to sort payments for different markets or restrict options based on customer segments.

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.

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.

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.

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.

Customize how you showcase Super Payments across your store to encourage more customers to use this rewarding payment option. From site banners to product pages and shopping carts, you can create personalized messaging that highlights the Cash Rewards customers receive when checking out with Super Payments. Simply ensure Super Payments is activated in your checkout settings, then use this app to design messaging that matches your store's visual style. With flexible customization options and various themes available, you can effectively communicate the benefits of Super Payments throughout the customer shopping journey.

PayPo brings the popular Buy Now, Pay Later (BNPL) payment solution to your online store. This safe and intuitive payment method lets customers split their purchases into manageable installments while ensuring you receive the full payment immediately. By adding PayPo to your checkout options, you can reduce cart abandonment rates and increase average order values as customers feel more comfortable making larger purchases. The easy-to-install app integrates smoothly with your store, offering quick payment processing and simple configuration. Give your customers the flexibility they want in payment options while maintaining secure, reliable transactions for your business.

Transform your Shopify store into a competitive e-commerce marketplace with Cashfree BNPL Plus, a no-code solution that makes online shopping more convenient. Display EMI options, Pay Later features, discounts, and cashbacks directly on your product pages to help customers make purchase decisions faster. This smart integration automatically shows the best payment offers for each product, reducing cart abandonment and increasing order values. The app works seamlessly with Cashfree Payments and requires no technical setup - simply install it from the Shopify app store and start offering flexible payment options to your customers. Make shopping easier and more appealing by giving your customers clear payment choices upfront.