Getting your store up and running with PayItLater couldn’t be easier.

We supply plugins for major e-commerce platforms so you can be offering live deferred payments to your customers within 24 hours.

How does it work?

Deferred payments for online purchases are a revolution in Australian e-commerce. Below is a quick outline of how the process works, from the store owner perspective.

  1. Buyer chooses ‘PayItLater’ at checkout
  2. Buyer is shown our payment box over the top of your website. Buyer signs in or creates an account with PayItLater.
  3. Buyer enters credit card details, which are stored securely in a PCI-DSS compliant data warehouse.
  4. Buyer agrees to payment terms  and makes a payment. Order is now live!
  5. You pack and send order as soon as possible, like any other order.
  6. Overnight, we reconcile orders  for the day and make FULL payment to your account for all PayItLater orders from the day.
  7. (We collect payments from the buyer until the balance is $0)
  8. Buyer returns to make another order! Our merchants always experience higher rates of re-order.

Getting Started

We ask all new merchants to fill out an application form and services agreement, so we can verify you are who you say and your store exists!

We’ll get back to you quickly with details of how to install our plugin and how to make a test purchase with our full test gateway.

Once we are happy to live, we’ll allow you access to our live payment system and you are now ready to sell!

We do not currently offer a public API for clients to develop their own integrations, you must use our verified, secure payment adapters.

Chargebacks, fraudulent purchases (the bad stuff)

In a perfect world, there would be no charge-backs, stolen cards, and dishonest buyers. It’s an unfortunate reality that you deal with every day running your store and it’s a reality of our business too.

We deploy sophisticated machine-learning algorithms to detect and reject fraudulent purchases by comparing potential buyer behaviour to previous known-good and known-bad transactions, to score buyers and decide whether to allow their purchase. We also go the extra mile with buyer verification including two-factor authentication, IP geolocation matching and strict address matching requirements.

In the vast majority of cases, where a merchant has not given us fraudulent information, we cover the risk of chargebacks and fraudulent purchases for you. If you act in good faith as a store owner, you will never receive a chargeback from PayItLater.

We act quickly to disable accounts of buyers and merchants who intend to defraud our system.

Read this far?

Get Pay It Later up and running in 24 hours!
Click ‘Get Started Now’ to start the application process.

Get Started Now


From a merchant perspective, refunds using our platform are super easy.

In your administrator dashboard, you just choose to make a partial or full refund to your customer. We’ll deduct it from your daily payout balances and return it to the buyer.

If the buyer has already made repayments, we will refund repayments up to and including the order value, once we’ve deducted the balance from your payout.

If the buyer has repayments remaining that make up the balance of the refund, we will adjust those repayments or cancel them altogether. Both you and the buyer will receive an email to confirm the refund process was completed successfully.

If 60 days has passed we ask that you as the store owner refund the buyer directly. We’ll mention this to you, and refunds cannot be made for old orders in our dashboard.

More information about refunds

Fees and Charges

Buyers pay no fees to make use of the PayItLater payment service. Buyers will have a $10 charge added to their account when we attempt unsuccessfully to process a payment. If the payment fails again 7 days later, a further $10 charge is added. A buyer will typically have their purchase rights restricted once this process begins, to mitigate our risk.

Merchants (ie, you!) pay a small percentage fee and flat transaction fee to use our services on every order. We deduct this automatically from your daily payout amount. Our transaction fee isn’t much higher than a typical payment gateway, and our customers are typically very happy with the increase in conversions, increase in order values, and increase in re-orders that our services enable.

There are no further fees applied to the payment process for a typical merchant – we deposit funds straight to your bank account, not through a further merchant gateway or other mechanism.

Integrations: WooCommerce, Shopify, OpenCart


Read this far?

Get Pay It Later up and running in 24 hours!
Click ‘Get Started Now’ to start the application process.

Get Started Now