What is Buy Now, Pay Later (BNPL)?

BNPL is a payment solution that lets customers split purchases into easy installments. With PayU’s Buy Now Pay Later payment gateway, you receive the full amount upfront while customers repay later.

How does PayU Buy Now and Pay Later benefit merchants?

It increases conversions, boosts order values, and ensures zero repayment risk since PayU’s lending partners manage collections.

Is BNPL costly for merchants?

Not at all. PayU offers transparent, affordable BNPL pricing that scales with your business.

Can PayU BNPL integrate with my existing payment gateway?

Yes. If you already use PayU’s payment gateway, BNPL can be enabled quickly with minimal effort.

How do customers get approved for BNPL?

Customers are assessed instantly at checkout using PayU’s lending partner network—approval happens in seconds.

What’s the difference between Buy Now, Pay Later and EMI?

BNPL offers shorter, flexible repayment cycles and instant approvals, while EMIs are usually longer-term. With PayU, you can offer both based on customer needs.

Can BNPL work for small-ticket and high-ticket items?

Yes. Whether it’s everyday essentials or big-ticket products, PayU BNPL helps customers buy now and pay later with ease.

PayU Buy Now, Pay Later

Buy Now, Pay Later (BNPL) Payment Solution for Businesses in India

Let eligible customers choose Pay Later at checkout while your business receives the transaction amount upfront through PayU. BNPL can help reduce hesitation on high-value purchases, support checkout completion, and make online payments more flexible.

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What is BNPL

BNPL stands for Buy Now, Pay Later. It is a payment option that lets eligible customers complete a purchase now and repay the lending or Pay Later provider later as per the provider’s terms. For merchants, BNPL adds an affordability option at checkout while PayU helps process the payment through the approved checkout flow

How PayU BNPL helps businesses improve checkout affordability

Reduce checkout hesitationGive eligible customers a Pay Later option when upfront payment is creating friction on high-value carts.

Support higher order valuesMake larger purchases easier to consider by giving customers a flexible payment option at checkout.

payment-gateway-with-150-payment-options-2

Add BNPL to PayU checkoutEnable BNPL through PayU's checkout and integration options, with setup guidance based on your business category and payment flow.

Receive payment upfrontYour business receives the transaction amount after successful payment confirmation, while the customer's repayment is handled by the Pay Later provider as per eligibility and approval.

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How BNPL is Powering Growth Across Industries

Remove price barriers and unlock more conversions with pay-later options.

E-commerce

Make high-value products more affordable with Buy Now and Pay Later, boosting cart conversions and increasing order value.

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EdTech

Enable students to access courses instantly. With PayU’s BNPL payment gateway, education becomes more affordable, driving higher enrollments.

Insurance

Help customers manage premiums through flexible Buy Now Pay Later plans, improving policy adoption and renewals.

Consumer Electronics

From smartphones to appliances, make gadgets easier to own by offering Pay Now or Pay Later at checkout.

Travel

Let customers book holidays instantly and pay in easy installments. PayU’s Buy Now and Pay Later solution increases bookings and reduces drop-offs.

How PayU BNPL works at checkout

When BNPL is enabled, eligible customers can see a Pay Later option during checkout. The customer selects the option, completes provider validation, and confirms the payment. After successful payment confirmation, the order can be processed while the customer repays the provider based on the approved repayment schedule.

1 Sign up with PayU

Create or use your PayU merchant account and confirm BNPL eligibility for your business category

2 Enable BNPL in checkout

Configure eligible Pay Later options and checkout placement with PayU support.

3 Go live and monitor performance

Track BNPL usage, checkout completion, and payment performance from your PayU setup.

Offer PayU BNPL Now

Simple, Transparent Pricing

No setup fees. No surprises. Just competitive pricing tailored for your growth.

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Trusted by 5 lakh+ businesses

Millions of businesses of all shapes and sizes rely on us to empower their growth dreams

Pallavi Shrivastava

Co-founder, PROGCAP

"Appreciate their reliable and solution-driven approach"

PayU has been our payment gateway provider since inception and has been a fantastic partner in our growth journey. We have always believed that a partnership with a strong alignment leads to mutual growth, and that’s been our experience while working with the PayU team. What we appreciate is their reliable and solution-driven approach. Whenever we faced any challenges, they always stood by us as strong and stable partners.<br>We look forward to our continued association and scaling greater heights together

Support That Grows With You

Need help? We’re with you from onboarding to go-live and beyond.

Start offering Buy Now, Pay Later with PayU today

Delight customers. Close more sales. Get paid instantly.

Buy Now, Pay Later (BNPL) Payment Solution for Businesses in India

Let eligible customers choose Pay Later at checkout while your business receives the transaction amount upfront through PayU. BNPL can help reduce hesitation on high-value purchases, support checkout completion, and make online payments more flexible.

What is BNPL