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.

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.

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.

Craft, Checkout Rules helps merchants customize their checkout experience with flexible conditional logic. Hide, block, sort, or rename payment methods and shipping options based on rules like customer tags, country, cart value, products, or discount codes. Perfect for controlling high-risk orders, applying B2B checkout logic, or blocking specific payment methods like COD, PayPal, or credit cards. Create smart shipping rules and delivery options that adapt to cart totals, customer segments, or international orders. No coding required—just set your conditions and let the app manage your checkout flow automatically.

Fundiin is Vietnam's leading Buy Now Pay Later platform that helps online retailers offer flexible payment options to customers. Since 2019, this BNPL solution has partnered with hundreds of brands across Fashion, Cosmetics, Electronics, and more categories. Merchants can provide multiple payment choices: settle purchases in 14 days, split payments into 3/6/9/12 installments, or set up recurring payments. The platform features an automated approval process with no hidden charges, and customers don't need to download any app to use it. By offering Buy Now Pay Later options, retailers can increase sales opportunities while improving cash flow for their business. Fundiin makes it simple for Vietnamese merchants to give customers the purchasing flexibility they want, leading to better customer experience and more completed transactions.

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.

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.

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.