Cashfree BNPL Plus vs Store Creditfor Shopify (2026)
Cashfree BNPL Plus and Store Credit are both Shopify apps listed under the 'Payments' category, but they address fundamentally different aspects of customer transactions. Cashfree BNPL Plus focuses on facilitating Buy Now, Pay Later (BNPL) options directly on the product page, aiming to increase conversion rates and average order value by offering convenient payment plans and incentives like EMIs, discounts, and cashbacks. Its target audience is merchants looking to emulate larger e-commerce marketplaces by providing flexible payment options at the point of purchase. It requires the Cashfree Payments app for it to function. Store Credit, on the other hand, is designed to enhance customer loyalty and drive repeat purchases by allowing merchants to issue and manage store credits for various reasons, such as product reviews, birthdays, or referrals. Store Credit targets merchants seeking to improve customer retention through personalized rewards and incentives. While Cashfree BNPL Plus focuses on acquiring customers by improving payment options at checkout, Store Credit aims at retaining existing customers. The Store Credit app also allows merchants to apply discounts to specific products or collections, further differentiating it from Cashfree BNPL Plus. The apps have a marked difference in their available social proof, with Cashfree BNPL Plus having one 5-star rating, and Store Credit having no ratings or reviews as of the data provided.
At a Glance
Cashfree BNPL Plus
1 reviews
Store Credit
0 reviews
Detailed Overview
Cashfree BNPL Plus
Become the preferred online shopping site - provide extreme convenience to your customers
Key Features
- Intelligently displays the best offers or EMIs on product page
- Supported after Cashfree Payments app is installed and activated
- No coding effort, just add Cashfree’s BNPL Plus from Shopify app store
Store Credit
Provide store credit to your customers with ease !
Key Features
- Issue Store Credits: Easily issue store credits to individual customers.
- Track Credit History: View complete credit/debit transaction history.
- Discount Settings: Apply discounts to specific products or collections.
Feature Comparison
| Rating | 5/5 | 0/5 |
Rating Cashfree BNPL Plus5/5 Store Credit0/5 | ||
| Reviews | 1 | 0 |
Reviews Cashfree BNPL Plus1 Store Credit0 | ||
| Target Audience | Merchants seeking increased conversion and AOV through flexible payments | Merchants seeking improved customer loyalty and repeat purchases |
Target Audience Cashfree BNPL PlusMerchants seeking increased conversion and AOV through flexible payments Store CreditMerchants seeking improved customer loyalty and repeat purchases | ||
| Primary Function | Offer Buy Now, Pay Later options on product pages | Manage and issue store credits |
Primary Function Cashfree BNPL PlusOffer Buy Now, Pay Later options on product pages Store CreditManage and issue store credits | ||
| Key Feature 1 | Intelligent display of EMIs and offers | Issue store credits for various events (e.g., reviews, birthdays) |
Key Feature 1 Cashfree BNPL PlusIntelligent display of EMIs and offers Store CreditIssue store credits for various events (e.g., reviews, birthdays) | ||
| Key Feature 2 | Requires Cashfree Payments app | Custom portal for credit review |
Key Feature 2 Cashfree BNPL PlusRequires Cashfree Payments app Store CreditCustom portal for credit review | ||
| Value Proposition | Reduce customer drop-offs and increase AOV | Boost repeat sales and customer satisfaction |
Value Proposition Cashfree BNPL PlusReduce customer drop-offs and increase AOV Store CreditBoost repeat sales and customer satisfaction | ||
| Ease of Use | No coding required | Simplifies the process of issuing, tracking, and utilizing store credits |
Ease of Use Cashfree BNPL PlusNo coding required Store CreditSimplifies the process of issuing, tracking, and utilizing store credits | ||
Our Verdict
Choosing between Cashfree BNPL Plus and Store Credit depends heavily on the merchant's specific goals. If the primary objective is to increase conversion rates and average order value by offering flexible payment options at the point of purchase, then Cashfree BNPL Plus is the more suitable choice. However, merchants focused on building long-term customer loyalty and incentivizing repeat purchases would benefit more from using Store Credit. The need to already utilize Cashfree Payments is a major factor to consider as well; without it, Cashfree BNPL Plus will not function.
For businesses in 2026 prioritizing customer retention strategies, Store Credit will be the more valuable asset. Businesses seeking to acquire new customers and boost immediate sales may want to test the Cashfree BNPL Plus app (assuming they use Cashfree Payments). As of the data available, Cashfree BNPL Plus also has a single 5-star review, giving it a minor advantage in terms of initial social proof, though a single review is not conclusive.
Common Questions
Does Cashfree BNPL Plus offer store credit functionality like Store Credit?
No, Cashfree BNPL Plus focuses solely on facilitating Buy Now, Pay Later options and does not provide features for issuing or managing store credits.
Can Store Credit be used to offer BNPL options at checkout?
No, Store Credit's functionality is limited to issuing and managing store credits and does not support Buy Now, Pay Later options.
Which app requires integration with another payment gateway?
Cashfree BNPL Plus explicitly requires the Cashfree Payments app to be installed and activated to function properly. Store Credit does not appear to have such a dependency based on the information available.
What is the impact on customer lifetime value for each app?
Cashfree BNPL Plus aims to improve CLTV by increasing initial AOV and potentially encouraging more frequent purchases due to payment flexibility. Store Credit directly focuses on increasing CLTV by incentivizing repeat purchases and building customer loyalty.
How does each app impact a merchant's marketing strategy?
Cashfree BNPL Plus allows merchants to market their flexible payment options more effectively, attracting customers seeking payment plans. Store Credit enables merchants to implement loyalty programs and reward customers, building a stronger brand relationship and encouraging word-of-mouth marketing.
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