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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.
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 (Coming Soon) – We're cooking up a native PayLater for Shopify to make onboarding even easier.
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
51118021
1234
51118022
1234
51118023
1234
51118024
1234
51118025
1234
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
MasterCard
5200 0000 0000 2490
04/2028
256
Visa
4000 0000 0000 2370
06/2028
256
Test Debit Card (NAPS)
4215 3755 0088 3243
06/2026
123456
123
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