Top Free Shopify Installments Apps 2026

Koin - Cashback & Store Credit is designed to enhance customer retention, encourage repeat purchases, and foster loyalty by offering cashback and store credit rewards. The app provides flexible customization, real-time balance tracking, and effortless reward management. Seamlessly integrated with Shopify's store credit system, it ensures a smooth checkout process using Shopify's payment features, all through an intuitive interface that benefits both merchants and customers.

• Flexible Cashback Programs: Customize cashback rates based on product or order amount, tailoring incentives to your business needs.
• Easy Setup and Integration: Quick and hassle-free setup that requires no coding, getting you up and running in no time.
• Seamless Redemption: Allows customers to redeem their credits directly during checkout for a smooth purchasing experience.
• Effortless Store Credit Management: Easily manage and track store credits from a user-friendly dashboard.

The app receives high praise for its outstanding advantages, including its user-friendly interface, seamless integration with Shopify, and effective enhancement of customer retention and loyalty. Users appreciate the customization options and hassle-free setup process, which enables them to quickly implement a robust rewards system and improve customer satisfaction.

Afterpay On‑Site Messaging helps promote and streamline checkouts through customized on-site alerts on product and cart pages, catering to the Millennial and Gen Z audience who favor Afterpay's buy-now, pay-later model. It allows easy customization, previewing, and publishing of messages across desktop and mobile platforms.

• Easy Integration: Quickly add messaging to product and cart pages with a user-friendly visual editor.
• Customized Branding: Personalize your messaging with options to adjust mobile views, add footer icons, and customize themes to align with your brand.
• Flexible Order Limits: Configure minimum and maximum order limit messages to suit your Afterpay account settings.
• Mobile Optimization: Seamlessly integrate and manage messaging across both desktop and mobile channels.

Users commend the straightforward installation process of the app, particularly highlighting its compatibility with various themes, which ensures smooth functionality and easy integration into existing ecommerce platforms.

The Affirm pay‑over‑time messaging app allows merchants to show customers an estimated monthly or bi-weekly payment amount on product pages and at checkout. This approach encourages higher average order values by making prices appear more budget-friendly. It's easy to start by creating a merchant account on the Affirm website under the "For Business" section.

• Payment Display: Enables the display of budget-friendly monthly or bi-weekly payment prices for products.
• Flexible Integration: Integrates Affirm messaging onto product and checkout pages seamlessly.
• Increased AOV: Supports a wide range of cart sizes and helps increase average order values.

Users praise the Affirm pay‑over‑time app for its intuitive integration and significant impact on boosting sales conversions, with many noting it has successfully increased their average order values and made purchasing decisions easier for customers.

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The Lay-Buys Virtual Terminal app offers merchants a comprehensive control panel to manage and monitor Lay-Buy order payments seamlessly. It streamlines payment tracking, adjustment, and payout processes for merchants, enhancing operational efficiency.

• Comprehensive Payment Management: Provides a seamless terminal for managing all Lay-Buy order payments.
• Installment Tracking: Allows merchants to track and monitor all installment payments effectively.
• Flexible Payout Options: Enables payout of Lay-Buy orders on customer request directly from the app.
• Integration with PayPal: Facilitates easy reference and tracking of installment payment transactions with PayPal.

According to user reviews, the app excels in providing a user-friendly interface and robust functionality, with many praising its efficiency in streamlining payment collection and management. It is highly rated for improving financial transparency and offering flexible options for both merchants and customers.

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Razorpay Affordability Widget enables businesses to enhance customer experience by offering clear visibility of affordable payment options such as EMI, Pay Later, and special offers on product pages, thereby increasing conversion rates.

• Early Discoverability: Allows customers to see affordable payment options like EMI and Pay Later before reaching checkout, improving purchase decisions.
• Reduced Drop-offs: Minimizes cart abandonment by highlighting payment plans and offers on product pages.
• Boosted Spending Power: Enhances customers’ purchasing capability with upfront credit availability visibility.
• Dynamic EMI Display: Offers tailored EMI plans and no-cost EMI based on product prices.
• Customizable Design: Allows customization of the widget to seamlessly integrate with your brand’s aesthetics.

Based on user reviews, the Razorpay Affordability Widget is praised for significantly enhancing conversion rates by making payment options more accessible and visible to customers early in the shopping process. Users appreciate its ease of use and ability to reduce cart abandonment, with customizable features that align with brand identity.

The SpurIT Installment Invoices app allows customers to make purchases over time with installment recurring invoices, enabling them to buy more expensive items and ultimately increasing your average order value (AOV). It offers flexible payment plans and customization options to suit your business needs.

• Flexible payment plans: Set up installment quantities and payment periods for products, collections, or your entire store.
• Adjustable initial payment: Specify any amount between 0% and 99% for the first installment to accommodate diverse customer needs.
• Installment rule variety: Apply installment options to specific products, groups, collections, or the whole store for greater control.
• Customizable widget: Use easy customization tools to tailor the widget's text and placement to fit seamlessly into your store's aesthetic.
• Automated recurring invoices: Automatically send recurring invoices to customers until their purchase is fully paid.

The app receives high praise for its customizable payment options and user-friendly interface. Users appreciate the flexibility to set payment terms that suit their business model, as well as the ability to modify the initial payment percentage. The recurring invoice feature is highlighted as a major convenience, ensuring customers receive reminders without any additional effort from the seller, streamlining the process and enhancing customer satisfaction.

The seQura On-Site Messaging App is a tool that allows users to easily customize, preview, and publish on-site messages using a visual editor, without the need for any coding knowledge. It's designed to effectively promote seQura payment solutions during the customer's purchasing journey, ultimately boosting conversion rates and encouraging repeated use through flexible payment options.

• Visual Editor: Easily customize and preview on-site messages with a user-friendly visual editor, eliminating the need for coding skills.
• Seamless Integration: Effortlessly integrate seQura payment solutions into your website to enhance the purchasing journey.
• Flexible Payment Options: Boost conversion and recurrence by promoting flexible payment options available through seQura.
• Custom Messaging: Tailor messaging specifically for product and checkout pages to maximize engagement and clarity.
• Enhanced Conversion Rates: Increase customer engagement and conversion rates with strategic on-site messaging.

Users appreciate the app for significantly increasing their conversion rates by simplifying the messaging process with its intuitive visual editor. The integration of seQura's flexible payment solutions at key stages of the purchase journey has been highlighted as a major advantage, contributing to an overall smooth customer experience.

White-labeled BNPL Widgets is an innovative app designed to enhance the shopping experience by integrating dynamic Buy Now, Pay Later (BNPL) messaging throughout your store. From the moment a consumer visits a product page, the app provides personalized financing options, encouraging them to explore products with greater financial flexibility. By highlighting these options at key touchpoints, including checkout, merchants can effectively promote financing solutions, which can lead to an increase in average order value (AOV). Users can customize the messaging and user experience to align with their brand identity, creating a seamless and engaging journey for shoppers. The early introduction of high-ticket financing options also incentivizes consumers to consider larger purchases, driving overall sales growth. With White-labeled BNPL Widgets, merchants can easily implement a tailored, finance-friendly shopping environment that meets their customers' needs.

Safepay Checkout revolutionizes the way Pakistani businesses connect with the global marketplace by offering seamless payment integration. This innovative app allows businesses to accept payments from around the world effortlessly, enhancing their reach and expanding their customer base. Safepay stands out with its smooth, user-friendly payment experience, ensuring customer satisfaction and loyalty. It boasts one of the highest transaction success rates in the industry, minimizing disruptions and maximizing profitability. Advanced fraud detection tools instill confidence, allowing businesses to focus on growth with peace of mind. Additionally, Safepay provides detailed reporting capabilities, streamlining accounting, reconciliation, and audits for an efficient financial management experience. Whether you're a small startup or an established company, Safepay Checkout is your trusted partner in global commerce.

Cashfree BNPL Plus is a seamless, no-code solution designed to enhance your Shopify store by offering flexible payment options like EMIs and Pay Later directly on product pages, reducing customer drop-offs and increasing average order value.

• No-Code Integration: Easily add Cashfree BNPL Plus to your Shopify store without any coding, streamlining the setup process for merchants.
• EMIs and Pay Later Options: Display flexible payment options like EMIs and Pay Later prominently on product detail pages to attract and retain customers.
• Increased Average Order Value: Encourage larger purchases by showcasing discounts and cashbacks upfront, directly influencing customer decisions.
• Intelligent Offer Display: Automatically highlight the best offers or EMIs available on the product page, enhancing the shopping experience.
• Integration with Cashfree Payments: Works effortlessly with the Cashfree Payments app once installed and activated, requiring minimal effort from the merchant's side.

Customers appreciate the app for its ease of use and the positive impact on sales, with reviews highlighting the smooth integration process and significant improvements in purchase completion rates. Users have noted the intuitive interface and effectiveness of payment options in reducing cart abandonment, contributing to higher customer satisfaction and increased revenue.

Klarna is an innovative app designed to enhance your Shopify store by integrating Klarna as a payment method, enabling access to its extensive global customer base. This app facilitates increased sales conversion by offering customers the flexibility to buy now and pay over time, without delay in full payment to the merchant. By adopting Klarna, retailers often see a rise in average order value, as customers are more inclined to purchase larger cart sizes with the option to defer payments. The app eliminates financial risk for merchants, as they receive payment upfront regardless of the payment timeline for the customer. Moreover, Klarna's vast network helps merchants acquire new customers, expanding their reach and boosting brand visibility. Overall, Klarna streamlines the payment process, making it a valuable tool for eCommerce businesses looking to optimize sales and customer satisfaction.

The Bread Pay Messaging app enables customers to apply and pre-qualify for financing early in their shopping journey, offering transparent financing options to enhance purchasing power and drive sales. The entire prequalification and checkout process is completed in under 60 seconds, ensuring seamless information transfer to the retailer’s server once an order is placed.

• Quick Prequalification: Customers can pre-qualify for financing in under 60 seconds, streamlining the purchasing process.
• Transparent Financing: The app provides clear financing terms, with no prepayment penalties or deferred interest, enhancing customer trust.
• Custom Financing Plans: Retailers can create tailored loan products to meet the specific needs of their customers.
• Upfront Payments: Retailers receive full payment from Bread Pay upfront, while the app assumes the risk by collecting payments over time from shoppers.
• Customer Re-engagement: Gain actionable insights to help re-engage abandoned shoppers, increasing conversion rates.

Users of the Bread Pay Messaging app praise its speed and transparency in the financing process, highlighting how it seamlessly integrates into the shopping experience and effectively increases purchasing power. The app's ease of use and its capability to provide immediate and clear terms stand out as key advantages in customer feedback.

The WeGetFinancing Messaging app offers a Purchase Power Estimator that brings financing options directly to customers. By allowing them to choose their credit range on the product page, it provides detailed monthly payment information. This feature enhances customers' understanding of payment ability, boosts click-thru rates, ticket sizes, and conversion rates.

• Purchase Power Estimator: Allows customers to select their credit range and receive precise monthly payment information directly on the product page.
• Increased Conversion Rates: By providing financial clarity, it enhances the likelihood of completed transactions.
• Full-Spectrum Lenders: Offers customers a comprehensive range of lenders covering all credit scores.
• Broad Cart and Vertical Support: Supports a wide variety of cart sizes and industry verticals, making it versatile for different businesses.
• Simplified Checkout Process: Streamlines the purchasing experience, reducing friction in the checkout phase.

The app is praised for its user-friendly interface and effective communication of financing options that make it easier for customers to understand and utilize financing. Many reviews highlight its positive impact on boosting sales metrics such as click-thru rates and conversion rates, while providing a tailored approach to financing that caters to various credit scores.

Skeps Pay-Over-Time Messaging is a powerful tool designed to boost your sales by seamlessly integrating customized financing options for your customers. Unlike traditional payment apps, it requires the complementary Skeps Pay-Over-Time app to finalize transactions. By connecting your business with installment loans from reputable U.S. banks, this platform offers tailored payment plans exclusive to your products and services. You can configure specific financing offers based on SKU-level inventory or target geographic regions to maximize promotional impact. With the ability to propose varied financial plans, including interest-based and 0% promotions, it caters to a wide range of customer preferences. Moreover, Skeps ensures customer retention by never cross-selling, offering high credit lines of up to $25,000 exclusively for your business. Through this innovative messaging platform, you can enhance sales conversions while providing flexible payment solutions to your clientele.

Slice by FNBO is an innovative financing solution that helps businesses expand their customer base by offering flexible payment options at the point of purchase. With a variety of terms available, customers can select the financing plan that best suits their needs, making larger purchases more affordable. The application process is straightforward and efficient, providing instant approval for qualified customers. Once approved, customers enjoy a seamless, 100% digital experience for managing their loans, allowing for easy access and service. By incorporating Slice into your sales process, you can increase average purchase amounts, enhancing customer satisfaction and boosting your business's financial performance. This tool not only simplifies financing for customers but also positions your business as a forward-thinking and customer-centric establishment.

Advanced PreOrder‑Partial Pay allows merchants to increase sales by enabling pre-orders for customers before products are fully available, utilizing an intuitive and easy-to-use interface. It ensures products remain purchasable when inventory is low and offers partial payment options for flexibility.

• Pre-order Availability: The app allows setting pre-orders for out-of-stock or unavailable products, even supporting different product variants.
• Partial Payment Option: Customers can make partial payments on pre-orders, giving them more flexibility and encouraging early purchases.
• Coming Soon Notifications: Merchants can set availability dates for preorders and use a "Notify Me" feature for customers to sign up for in-stock notifications.
• Geographical Customization: Customize pre-order and partial pay options based on the customer’s country or region.

According to reviews, users highlight the app's seamless integration and user-friendly interface, which simplifies the pre-order process. They particularly appreciate the partial payment feature for promoting early sales, enhancing customer satisfaction and boosting revenue, all while providing responsive support from the developers.

Downpay: Deposits made simple offers flexibility in payment options, perfect for high-value, made-to-order products. By allowing partial payments or deposits on preorder items, it not only enhances customer loyalty but also optimizes sales. The app supports Shopify features and ensures a seamless buyer journey.

• Partial Payment Options: Allows customers to make partial payments on selected products, improving sales flexibility.
• Automated Payment Collection: Offers manual or automatic payment authorization, simplifying the balance collection process.
• Shopify Integration: Supports features such as discounts, Flow, and integrates with Hydrogen themes, enhancing functionality.
• Custom Storefront Support: Compatible with legacy, 2.0 themes, and custom storefronts, ensuring a versatile application.
• Customer Portal: Provides an optional portal for customers to update payment methods or cancel orders, improving user experience.

The app's reviews highlight its efficacy and user-friendly nature. Customers appreciate the ability to handle deposits on future inventories, thus mitigating inventory risks and increasing purchase orders. The intuitive interface allows for easy management of subsequent payments. Users commend the responsive and helpful support team, ensuring reliability in money and order transactions.