CoverPay Documentation
CoverPay is a BNPL aggregator that gives your customers access to Klarna, Affirm, Afterpay, PayPal Pay Later, Sezzle, and Zip through a single integration. One SDK, one API, seven providers.
Quickstart
Install the SDK and open your first checkout in under 5 minutes.
CoverPay Link
Drop-in checkout modal — like Plaid Link, but for BNPL.
API Reference
Full endpoint documentation — offers, sessions, eligibility, webhooks.
Sandbox
Test credentials, simulated providers, and debugging tools.
How CoverPay Works
1
Your app opens CoverPay Link
The drop-in checkout modal presents all available BNPL options to your customer.
2
Smart router selects the best provider
CoverPay scores each provider by availability, APR, approval likelihood, and your preferences.
3
Customer selects a plan
Pay in 4, monthly installments, or a custom schedule — whatever the provider offers.
4
You receive a payment token
Use the token server-side to confirm the order. Webhooks notify you of payment events.
Supported Providers
| Provider | Pay in 4 | Monthly | Min | Max |
|---|---|---|---|---|
| CoverPay | Yes | Yes | $10 | $500 |
| Klarna | Yes | Yes | $35 | $1,500 |
| Affirm | No | Yes | $50 | $17,500 |
| Afterpay | Yes | No | $1 | $2,000 |
| PayPal Pay Later | Yes | Yes | $30 | $1,500 |
| Sezzle | Yes | No | $10 | $2,500 |
| Zip | Yes | Yes | $35 | $5,000 |
SDKs & Libraries
JavaScriptStable
@coverpay/sdkReactStable
@coverpay/reactiOS / SwiftBeta
CoverPaySDKREST APIStable
api.coverpayme.com/v1Ready to integrate?
Start with the Quickstart to have a working checkout in under 5 minutes, or explore the API Reference for server-to-server integration.