Are you struggling to find a Buy Now Pay Later partner that offers fair fees and reliable support? As customer demand for flexible payment options continues to grow, merchants are under pressure to offer seamless financing solutions that boost sales and enhance the shopping experience.
However, with numerous BNPL providers available, it’s challenging to determine which ones are truly reliable, transparent, and profitable to work with.
In this article, we’ll explore the 6 best Buy Now Pay Later companies in CEE to help you find the perfect fit for your business.
And if you’d rather not limit yourself to just one, we’ll show you how Paypercut helps you manage multiple BNPL providers effortlessly!
Benefits of working with a Buy Now Pay Later company
Partnering with a Buy Now, Pay Later (BNPL) provider can transform your checkout experience and expand your customer base. Here are some of the key benefits your business can expect:
- Higher conversion rates – Merchants that offer BNPL see an average 20% to 30% increase in conversion, as flexible payments reduce checkout friction.
- Increased average order value (AOV) – Customers tend to spend more when given installment options, with many merchants reporting order values rising by 20% or more.
- Expanded customer reach – Reach new shoppers and younger audiences who prefer flexible, interest-free installment payment options.
- Improved customer loyalty – Flexible payment options build trust and encourage repeat purchases, with 2 in 5 European consumers stating they will only remain loyal to brands that offer embedded banking products, such as BNPL.
- Instant full payments – Merchants receive the full amount upfront while the BNPL provider manages customer repayments and credit risk.
- Reduced risk exposure – BNPL providers handle credit checks, defaults, and fraud protection, minimizing financial exposure for merchants.
- Seamless integration – Most BNPL platforms integrate easily with existing eCommerce or POS systems, requiring minimal technical setup.
6 best Buy Now Pay Later companies in CEE
Before we dive deeper into our top picks, here is a quick overview of what awaits you:
1. Klarna
Klarna is a global payments and marketing platform that helps businesses grow by offering flexible payment options, such as Pay in 3 or 4, Pay in 30 days, and financing, to attract, convert, and retain customers.
With over 111 million shoppers, 790,000 retail partners, and integrations with platforms like Stripe and Adyen, Klarna drives higher sales and loyalty while managing credit and fraud risks for merchants.
Key features:
- Upfront payments – Pays merchants in full immediately while Klarna manages customer repayment and credit risk.
- Seamless integration – Connects easily with major platforms like Shopify, Stripe, and Adyen for fast, no-code setup.
- Full order and transaction management – Empowers merchants to view, capture, cancel, refund, or update orders and transactions in real time through the Merchant Portal.
- Customizable on-site messaging – Allows businesses to display tailored payment messaging throughout the shopper journey to boost engagement and conversion rates.
Pros and Cons:
🟢 Pros:
- Boosts sales and conversion rates with flexible payment options.
- Expands reach to new customer segments, especially younger shoppers.
🔴 Cons:
- Transaction fees may be higher compared to some local alternatives.
- Integration and returns workflows can require additional setup for complex use cases.
2. NewPay
NewPay is a flexible online payment platform based in Bulgaria that offers instant financing to shoppers through an open-ended credit line, allowing them to pay within 30 days or in convenient installments.
For merchants, NewPay ensures fast prepayment, eliminates credit risk, and helps increase sales and customer loyalty through secure integration into online stores.
Key features:
- Guaranteed payment & no credit risk – Provides merchants with guaranteed payment after approval, while NewPay takes on all credit risk.
- Flexible payment options for customers – Offers deferred and installment payment plans (30 days, 3 or 6 months) to increase purchase size and customer satisfaction.
- Fast, hassle-free integration – Enables quick setup and integration into online stores with full technical support and no disruption to existing operations.
- Enhanced customer loyalty & repeat purchases – Drives up to 20% higher shopping frequency by offering convenient financing that strengthens long-term customer relationships.
Pros and Cons:
🟢 Pros:
- Boosts sales with flexible deferred and installment payment options.
- Offers a reusable credit line with quick approval and one-time registration.
🔴 Cons:
- Longer installment plans include a monthly surcharge that may affect customer choice.
3. Oney
Oney is a payment solutions provider and member of the BPCE Group, offering flexible and secure split payment options (3x, 4x) both online and in-store to help businesses increase sales and enhance customer experience.
With over 40 years of expertise in retail and banking, Oney combines human-centered support, advanced technology, and marketing assistance to deliver reliable financial services for merchants and their customers.
Key features:
- Dedicated customer support – Provides accessible, expert support for merchants and customers, ensuring smooth operations and fast issue resolution.
- Omnichannel flexibility – Enables split payments across online and in-store channels, delivering a consistent and fast customer experience.
- Easy-to-integrate solutions – Offers plug-and-play APIs and platform compatibility (FSP, FSC, SAC) with a developer portal for quick and efficient integration.
- Guaranteed payment and flexible transaction management – Ensures merchants are paid within 48 hours while supporting partial and multiple refunds, full captures, and complete risk coverage.
Pros and Cons:
🟢 Pros:
- Responsive customer support for both merchants and customers.
- Guaranteed merchant payment with full risk coverage by Oney.
🔴 Cons:
- Refunds and dispute resolution can take longer in some cases.
- Support experience may vary by market and transaction type.
4. Twisto
Twisto is a Central European fintech platform that lets customers pay interest-free for up to 45 days or split purchases into installments, while merchants still receive their money upfront.
Operating primarily in the Czech Republic, Poland, and Romania, Twisto helps merchants increase conversions and customer satisfaction through seamless API integration and risk-free payment processing.
Key features:
- Unified API integration – Provides one API for all Twisto markets and payment methods, making it easy for merchants to expand internationally.
- Real-time credit scoring – Checks each transaction instantly to approve purchases quickly and keep merchants protected.
- Omnichannel payment support – Enables Twisto payments across web, mobile, and in-store channels for seamless customer flexibility.
- Merchant integration toolkit – Offers streamlined APIs, webhooks, and embeddable widgets to accelerate integration and highlight Twisto payment options.
Pros and Cons:
🟢 Pros:
- Fast, interest-free payments with clear spending insights in the app.
- Simple setup and flexible pay-later options for customers.
🔴 Cons:
- Refunds and credit withdrawals may take additional time depending on the flow.
- Support responsiveness can vary during peak periods.
5. Leanpay
Leanpay is a regulated fintech company that provides Buy Now Pay Later solutions across Slovenia, Romania, and Hungary.
It helps merchants increase sales and average order value through a seamless omnichannel financing platform that lets customers pay for purchases, online or in-store, in up to 60 affordable installments.
Key features:
- Installment flexibility across all channels – Supports promotions like 0 % APR or special installment plans and works in-store, online, by phone, or even in-home sales.
- Deep credit & debt-to-income evaluation – Checks customer credit through registries to lower risk and avoid over-indebtedness.
- Transparent cost disclosure up front – Displays all fees, interest rates, and total payment terms clearly before purchase, ensuring no hidden costs.
- Dedicated merchant support & onboarding – Provides tailored integration help, resources, and continuous support to both local shops and large retailers.
Pros and Cons:
🟢 Pros:
- Omnichannel BNPL platform that boosts merchant sales and order values.
- Regulated, transparent lending with fair credit checks and clear costs.
🔴 Cons:
- Stricter credit checks can lead to more declined applications.
- Interest may apply on certain installment plans.
6. Mokka
Mokka is a BNPL platform that enables customers to shop now and pay later through convenient, interest-free installments.
Operating mainly across Central and Eastern Europe, including countries like Poland, Romania, and Bulgaria, Mokka partners with numerous online and in-store retailers to offer fast, transparent, and flexible payment options
Key features:
- Omnichannel acceptance – Enables BNPL payments across online, in-store, and mobile channels for a unified customer experience.
- REST API integration – Offers an easy-to-implement API for registration, payments, and returns with minimal frontend development required.
- E-commerce platform plug-ins – Provides ready-to-use integrations for platforms like Shopify and GoMag, simplifying merchant onboarding.
- Instant credit decisioning – Delivers real-time customer approval and spending limits at checkout to reduce purchase friction.
Pros and Cons:
🟢 Pros:
- Lower fraud risk through SEON-powered fraud prevention.
- Access to 12M+ active users across Central and Eastern Europe.
🔴 Cons:
- Complex cases may require additional follow-up.
- Resolution timelines can vary by request and market.
How to choose a Buy Now, Pay Later company?
Now that you know the best Buy Now Pay Later companies to work with, it’s time to choose the one that fits your business best. Here’s what to consider when choosing the best BNPL partner for your business:
- Evaluate fees and merchant costs – BNPL providers typically charge merchants a fee per transaction. Compare processing fees, settlement times, and any additional charges so you understand the true cost of offering this service.
- Check integration options – Make sure the BNPL platform integrates smoothly with your e-commerce platform or point-of-sale system. A simple, seamless setup helps reduce friction for both your team and your customers.
- Review customer experience – Choose a BNPL partner with a smooth, intuitive checkout process. A positive customer experience can improve conversion rates and reduce cart abandonment.
- Understand risk and liability – Some BNPL providers take on all payment risk, while others share it with merchants. Review each company’s policy on chargebacks, fraud protection, and payment defaults.
- Check reputation and reach – Partnering with a well-known, trusted BNPL brand can enhance customer confidence. Research each provider’s user base, global reach, and reputation for reliability.
However, you don’t have to choose just one provider or manage multiple integrations on your own.
With Paypercut, you can connect to several leading BNPL companies through a single platform, giving your customers more payment choices while keeping your setup simple and seamless.
Simplify BNPL with Paypercut
While each of these providers brings unique strengths, merchants often face challenges such as strict credit checks, higher interest rates on some plans, or limited approval rates, all of which can affect conversion and customer satisfaction.
To address these challenges, Paypercut offers a unified solution.
Paypercut is the first BNPL aggregator in Central and Eastern Europe, designed to help small and growing businesses offer flexible payment options from multiple trusted providers, all through a single integration.
By connecting to several BNPL partners within a single platform, Paypercut provides customers with more choices at checkout and increases the chances of approval, while merchants enjoy a simplified setup, unified reporting, and easy management of multiple providers.
What makes Paypercut stand out:
With Paypercut, you can manage BNPL offers, approvals, and performance in one place, while customers enjoy a smooth, localized checkout experience with their preferred payment method. Here is what we provide:
- One integration, multiple BNPL providers – Connect to several leading BNPL partners through a single setup and expand across markets effortlessly.
- Full control and flexibility – Choose which BNPL providers you want to activate per market, with real-time offer selection during checkout.
- Flexible funding models – Depending on the market and provider setup, Paypercut can support different BNPL funding approaches – including merchant-funded options – giving businesses more control over costs, approval logic, and checkout performance.
- Guaranteed merchant payouts – Receive your full payment upfront while BNPL providers handle customer installments and credit risk.
- Localized experience – Serve customers in their local currency (BGN, RON, HUF, PLN, CZK, EUR, and more) with checkout flows tailored to each market.
- Easy setup – Use simple plugins for WooCommerce, OpenCart, or Shopify, or integrate via API for custom solutions.
- Scalable across borders – Add or change BNPL providers as you grow, without rebuilding your payment flow.
With Paypercut, you don’t have to decide between convenience and flexibility – you can have both.
One integration. One dashboard. Unlimited BNPL options.
Register today and bring effortless BNPL payments to your store.
