Whop offers ten different financing options: AfterPay (known as ClearPay in the UK), Splitit, Klarna, Sezzle, ZipPay, ClarityPay, Scalapay, Tamara, SeQura, and Climb. All of these buy now pay later options allow your customers to pay off their purchase over time, while you receive the full payment immediately at purchase.
Get paid upfront
You receive full payment upfront; financing partners handle customer repayment.
Global options, flexible criteria
Access providers across regions with flexible qualification requirements.
Automatic at checkout
Financing options appear automatically at checkout when the customer is eligible.
Once your business is approved to access financing, all eligible options will automatically appear at checkout. Customers manage their payment schedules directly via the financing partner’s portal.
Financing overview
| Method | Countries | Max amount | Max term | Credit score |
|---|---|---|---|---|
| Zip Pay | USA | 4 months | Around 460 | |
| AfterPay / ClearPay | USA, UK | 12 months | Around 600 | |
| Klarna | USA, EU, Canada | 24 months | Around 600 | |
| Sezzle | USA, Canada | 24 months | Around 550 | |
| Splitit | USA, International | 6 months | No credit score required | |
| Scalapay | Italy, France, Spain, Portugal | 4 months | No credit score required | |
| Climb | US | 5 years | Around 500, but flexible | |
| ClarityPay | US | 12 months | Around 600 | |
| Tamara | UAE, Saudi Arabia | 4 months | No credit score required | |
| SeQura | Spain | 12 months | No credit score required |
What BNPL options does Whop offer?
Learn more about Whop’s financing options below:1. AfterPay / ClearPay
Overview: AfterPay (known as ClearPay in the UK) is a leading financing option for mid-ticket offers, designed for fast, low-friction checkout. It has strong brand-name recognition, high consumer trust, and extremely wide adoption among US and UK customers.- Supported countries: USA, UK
- Maximum amount: $4,000 for US; £1,000 for UK
- Maximum term length: 12 months
- Approvals: starting around 600 credit score
2. Splitit
Overview: Splitit is a unique buy now pay later option that supports higher-priced plans, international customers, and requires no credit check from customers. Splitit is different from most BNPL options, as it leverages a customer’s existing credit card and available credit limit to break purchases into monthly installments. There’s no extra application or external credit check from Splitit itself, and buyers can split purchases into monthly, interest-free installments as long as they have available credit on their card.- Supported countries: INTL & USA
- Maximum amount:
- Maximum term length: 6 months (up to 12 months with approval)
- Approvals: No credit score requirement – based off existing lines of credit on cards
- Funding terms: 0% interest for buyers
3. Klarna
Overview: Klarna is a global buy now, pay later provider offering flexible payment options, including Pay in 4, Pay in 30 days, and long-term financing for larger purchases. It has strong brand recognition and can support both US- and EU-based customers.- Supported countries: USA, EU, CA
- Maximum amount: $10,000 (see full country table below)
- Maximum term length: 24 months
- Approvals: starting around 600 credit score
| Country | Min Amount | Max Amount |
|---|---|---|
| Austria | €25,00 | €10.000,00 |
| Czechia | 25,00 Kč | 25.000,00 Kč |
| Finland | €25,00 | €5.000,00 |
| France | €1,00 | €1.500,00 |
| Germany | €25,00 | €10.000,00 |
| Greece | €1,00 | €1.000,00 |
| Ireland | €1.00 | €1,500.00 |
| Italy | €1,00 | €4.500,00 |
| Netherlands | €35,00 | €4.000,00 |
| Norway | kr 0,00 | kr 150.000,00 |
| Portugal | €1,00 | €1.000,00 |
| Spain | €1,00 | €1.500,00 |
| Sweden | 250,00 kr | 150.000,00 kr |
| United Kingdom | £1.00 | £2,000.00 |
| United States | $0.50 | $10,000.00 |
4. Sezzle
Overview: Sezzle is a buy now, pay later platform that gives customers flexible ways to pay, including Pay in 2, Pay in 4 interest-free installments, or longer-term monthly financing for larger purchases.- Supported countries: USA/CA
- Maximum amount: $2,500
- Maximum term length: 24 months
- Approvals: starting around 550 credit score
- Funding terms: No recourse for defaulted plans, zero-interest options available
5. ZipPay
Overview: ZipPay is an ideal buy now pay later option for shorter plans and lower-priced offers. Zip’s most popular product lets shoppers split purchases into 4 installments over 6 weeks, with payments charged every two weeks.- Supported countries: USA
- Maximum amount: $1,500
- Maximum term length: 4 months
- Approvals: starting around 460 credit score
6. ClarityPay
Overview: ClarityPay is a financing provider designed for higher-ticket purchases, giving customers the ability to spread payments over longer monthly terms while merchants receive the full payment upfront.Please contact Whop Support if you are interested in enabling ClarityPay on your checkout.
- Supported countries: USA
- Maximum amount: $30,000
- Maximum term length: 12 months
- Approvals: starting around 600 credit score
7. Scalapay
Overview: Scalapay is a popular European buy now pay later option that lets customers split purchases into either 3 or 4 installments with 0% interest. Customers can pay with credit, debit or prepaid cards.Please contact Whop Support if you are interested in enabling Scalapay on your checkout.
- Supported countries: Italy, France, Spain, Portugal
- Maximum amount: €3,000
- Maximum term length: 4 months
- Funding terms: Merchants receive the full payment upfront. Customers pay no additional fees.
8. Tamara
Overview: Tamara is a Sharia-compliant leading Buy Now, Pay Later (BNPL) service across the GCC region. It allows customers to split purchases into interest-free installments (2, 3, or 4+ payments) with no hidden fees or late fees.Please contact Whop Support if you are interested in enabling Tamara on your checkout.
- Supported countries: UAE, Saudi Arabia
- Maximum amount: SAR 15,000
- Maximum term length: 4 months
- Funding terms: Merchants receive the full payment upfront. Customers pay no additional fees.
9. SeQura
Overview: SeQura is a European BNPL provider focused on installment payments specifically for online education offers (courses, eBooks, digital materials, etc). It lets Spanish customers split purchases into 3, 6, 9, or 12 monthly installments at checkout.Please contact Whop Support if you are interested in enabling SeQura on your checkout.
- Supported countries: Spain (Italy, France, Portugal, Mexico & Colombia coming soon)
- Maximum amount: €5,000
- Maximum term length: 12 months
- Funding terms: 88% after 14 days, 12% after 12 months (varies depending on customer and merchant risk profile)
10. Climb Financing
Overview: Climb Financing enables buyers to finance larger-ticket purchases with long-term repayment plans, while merchants receive risk-adjusted funding upfront.Please contact Whop Support if you are interested in enabling Climb on your checkout.
- Supported countries: USA
- Maximum amount: Up to $42,750 per customer
- Maximum term length: Up to 5 years (depends on credit profile and program)
- Funding terms: Merchants receive an upfront payout that varies by borrower credit tier — for example, ~94% at 770+ credit, down to ~44% at 600+