Get Started

Welcome to the PayLater Integration Documentation — your gateway to embedding seamless Buy Now, Pay Later (BNPL) experiences into your online store or application.

PayLater allows merchants to offer flexible, interest-free installment plans at checkout, helping boost conversions, average order value, and customer satisfaction. Whether you're running a custom-built website or using a popular eCommerce platform, our integration options are built for speed, reliability, and scalability.

💡 Integration Options

You can integrate PayLater using one of the following methods:

• API Integration – Ideal for custom platforms, mobile apps, and businesses seeking full control over the user experience.

  • Mobile App Integration: For integrating to your your native mobile application, you may need to active camera access option "onRequestPermission Callback" to process the transaction.

• Magento Plugin – Easily enable PayLater on your Magento store with minimal configuration.

• WooCommerce Plugin – Connect PayLater to your WordPress-based WooCommerce site in just a few clicks.

• Shopify – Activate PayLater for Shopify to implement PayLater as a payment option

This documentation covers everything you need — from authentication and transaction flows to refund handling and settlement reports. Whether you're a seasoned developer or just starting out, we’ve got you covered.

Let’s dive in and get you up and running in no time.

Test Credentials

MerchantID: 138 API Key: a4f9feba-19dd-47b7-8d09-268a25c44a35 OutLet ID: 1000000061

Test Shopper Accounts

Please use the below test accounts. The OTP you can use is 1234

Phone Number	OTP	Email
51118021	1234	[e-mail]
51118022	1234	[e-mail]
51118023	1234	[e-mail]
51118024	1234	[e-mail]
51118025	1234	[e-mail]

Successful Cases Test Cards

Card Type	Card Number	Expiry Date	CVV
MasterCard	5200 0000 0000 2151	10/2028	237
Visa	4000 0000 0000 2503	10/2028	442
MasterCard (Non-3DS)	5200 0000 0000 0007	04/26	256

Failed Cases Test Cards

Card Type	Card Number	Expiry Date	CVV
MasterCard	5200 0000 0000 2490	04/2028	256
Visa	4000 0000 0000 2370	06/2028	256

Test Debit Card (NAPS)

Card Number	Expiry	OTP	CVV
4215 3755 0088 3243	06/2026	123456	123

Jump right in

API Integration

Full control. Flexible integration. Built for scale.

Magento

Enable PayLater at checkout in minutes

WooCommerce

Install. Activate. Offer PayLater — it’s that easy.

Shopify

Activate PayLater on your shopify checkout.