Whop offers nine financing options: Afterpay (known as ClearPay in the UK), Splitit, Klarna, Sezzle, ZipPay, ClarityPay, Scalapay, Tamara, and SeQura. These buy now, pay later options let your customers pay off their purchase over time while you receive the full payment 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.
After Whop approves your business for financing, all eligible options automatically appear at checkout. Customers manage their payment schedules directly through the financing partner’s portal.
Financing overview
| Method | Countries | Maximum amount | Maximum term | Credit score |
|---|---|---|---|---|
| Zip Pay | USA, Australia | 4 months | Around 460 | |
| Afterpay / ClearPay | USA, UK, Australia | 12 months | Around 600 | |
| Klarna | USA, EU, UK, Canada, Australia | 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 | |
| ClarityPay | US | 36 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 wide adoption among US and UK customers.- Supported countries: USA, UK, Australia
- Maximum amount: 2,000 for AU
- Maximum term length: 12 months
- Approvals: starting around 600 credit score
2. Splitit
Overview: Splitit is a buy now, pay later option for higher-priced plans and international customers. It doesn’t require a customer credit check. Unlike most BNPL options, Splitit uses a customer’s existing credit card and available credit limit to divide purchases into monthly installments. Splitit doesn’t require another application or external credit check. Buyers can use 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, UK, CA, AU
- Maximum amount: $10,000 for USA (see international limits in table below)
- Maximum term length: 24 months
- Approvals: starting around 600 credit score
4. Sezzle
Overview: Sezzle is a buy now, pay later platform that gives customers flexible ways to pay. Options include Pay in 2, Pay in 4 interest-free installments, and 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, Australia
- Maximum amount: 20,000 (AU)
- 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.To enable ClarityPay on your checkout, contact Whop Support.
- Supported countries: USA
- Maximum amount: $30,000
- Maximum term length: 36 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.To enable Scalapay on your checkout, contact Whop Support.
- 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 leading Sharia-compliant buy now, pay later (BNPL) service across the GCC region. It lets customers split purchases into interest-free installments (2, 3, or 4+ payments) with no hidden fees or late fees.To enable Tamara on your checkout, contact Whop Support.
- Supported countries: UAE, Saudi Arabia
- Maximum amount: SAR 5,000 in Saudi Arabia and AED 5,000 in the UAE
- 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 for online education offers, such as courses, electronic books, and digital materials. It lets Spanish customers split purchases into 3, 6, 9, or 12 monthly installments at checkout.To enable SeQura on your checkout, contact Whop Support.
- Supported countries: Spain (Italy, France, Portugal, Mexico & Colombia coming soon)
- Maximum amount: €10,000
- Maximum term length: 12 months
- Funding terms: 88% after 14 days, 12% after 12 months (varies depending on customer and merchant risk profile)
Related resources
Apply for financing
See eligibility requirements and how to apply to access financing options.