The BNPL API Layer — now in public beta

The API Layer for Buy Now, Pay Later

One integration for Klarna, Affirm, Afterpay, and every BNPL provider. Smart routing maximizes approvals. Pre-qualification eliminates declines.

Start buildingTry the demo
checkout.coverpayme.com

ORDER TOTAL

$249.00

Subtotal$229.00
Shipping$12.00
Tax$8.00

CHOOSE A PLAN

Klarna
Klarna
Pay in 4
$62.25/mo
Best deal
Affirm
Affirm
6 months
$41.50/mo
Afterpay
Afterpay
Pay in 4
$62.25/mo

Powering BNPL for fintechs and merchants

Klarna
Affirm
Afterpay
PayPal
Sezzle
Zip
Synchrony
7
BNPL Providers
One integration
95%
Approval Rate
With smart routing
<50ms
Routing Latency
Real-time decisioning
3
SDKs
Web, React, iOS

For growth teams & merchants

Stop losing customers at the BNPL purchase point

30-40% of BNPL applications get declined by a single provider. CoverPay routes to the provider most likely to approve — automatically.

+15%

Higher Approval Rates

Pre-qualification checks users ahead of time. At checkout, CoverPay already knows who will be approved — and by which provider.

-20%

Less Cart Abandonment

Users never see a decline. If one provider says no, smart routing instantly presents the next best option. No dead ends.

1

Integration, Every Provider

No managing 4 separate BNPL contracts, APIs, and dashboards. One SDK, one dashboard, one invoice. Engineering time back.

How it works

Three steps to higher approval rates

01

Integrate

Drop in our SDK — Web, React, or iOS. A single code snippet connects your checkout to every BNPL provider.

02

Route

Our engine scores each transaction across providers in real time. Amount, history, and availability determine the optimal path.

03

Convert

Customers see the best offers, approval rates go up, cart abandonment goes down. You get paid — we handle the rest.

Features

Everything you need to offer BNPL at scale

Smart Routing

Automatically route each transaction to the provider most likely to approve, using real-time scoring across availability, APR, and approval history.

Universal Checkout

A single embeddable checkout that presents Klarna, Affirm, Afterpay, and PayPal Pay Later — customers pick the plan that fits.

Real-Time Analytics

Monitor approval rates, provider performance, and conversion metrics in a live dashboard. Know which providers earn you more.

Webhook Events

Get notified instantly when checkouts complete, providers approve, or payments settle. Signature-verified for security.

Multi-Provider

Klarna, Affirm, Afterpay, PayPal Pay Later, Sezzle, and Zip — all through one integration. Add providers without code changes.

Sandbox First

Full sandbox environment with test credentials for every provider. Ship with confidence — go live when you're ready.

For developers

Improve BNPL in minutes, not months

Drop-in SDKs for Web, React, and iOS. A single integration connects to every BNPL provider — no individual contracts or API keys per provider.

Read the docsAPI reference
React
JavaScript
iOS
import { CoverPayButton } from '@coverpay/react';

function Checkout() {
  return (
    <CoverPayButton
      amount={24900}
      onSuccess={(result) => {
        // Payment confirmed
        console.log(result.paymentToken)
      }}
    />
  );
}

Pricing

Simple, transparent pricing

Start free in sandbox. Pay only when you go live. No hidden fees, no per-provider contracts.

Starter

$99/mo

+ $0.25 / tx

Up to $100K GMV

All BNPL providers
60 req/min
2 team members
Email support
Get started
Most popular

Growth

$199/mo

+ $0.20 / tx

Up to $500K GMV

All BNPL providers
300 req/min
5 team members
Priority support
Provider analytics
Get started

Scale

Custom

Includes CoverPay native BNPL

All BNPL providers + CoverPay native
1,000 req/min
15 team members
Slack support
Custom routing
Dedicated AM
Talk to Sales

Need custom volume? Contact sales for Enterprise pricing

Ready to maximize your BNPL options?

Start building in sandbox for free. Go live when you're ready.

Start buildingExplore docs

Get in touch

Talk to our team

Whether you're a merchant looking to increase approval rates or a fintech building BNPL into your product — we'd love to hear from you.