CP24 Membership vs Pay Later, Split Pay ‑ Cypherfor Shopify (2026)
CP24 Membership and Pay Later, Split Pay ‑ Cypher are both highly-rated Shopify apps (5/5), but cater to vastly different needs. CP24 Membership focuses on creating and managing membership programs with recurring revenue streams through exclusive discounts and automated orders. Its strength lies in building customer loyalty and predictable income. It's suited for businesses looking to offer subscription-based products or services, or premium access to content/features. Pay Later, Split Pay ‑ Cypher, on the other hand, targets businesses selling higher-value items, pre-orders, or custom-made products where flexible payment options are crucial for conversions. Its strength lies in increasing Average Order Value (AOV) and reducing cart abandonment by allowing customers to pay in installments or defer payments. This app directly impacts sales by removing financial barriers to purchase. While both apps aim to boost sales, they achieve it through different mechanisms - CP24 via loyalty programs and Pay Later via flexible payment options. Both apps share the 'Payment options - Other' category in Shopify, but this is slightly misleading. CP24 Membership's payment facilitation is tied to its membership model and recurring subscriptions. Pay Later, Split Pay ‑ Cypher provides true alternative payment solutions to address different merchant needs.
At a Glance
CP24 Membership
5 reviews
Pay Later, Split Pay ‑ Cypher
7 reviews
Detailed Overview
CP24 Membership
Create membership plans, offer members-only discounts, auto-renewal & orders, FAQs & Product Q/A
Key Features
- Membership Plans: Create custom plans for loyal customers.
- Exclusive Discounts: Offer exclusive member only discounts.
- Effortless Management: Automate orders, track transactions, manage membership.
- FAQs modules assist in creating modern FAQ pages for store, plans & products.
- Comprehensive and customizable member portal to manage plans & transactions.
Pay Later, Split Pay ‑ Cypher
Partial, Split, Deposits, Pay Later, NET30, Pre Order pay options with card on file. COD Supported
Key Features
- Deferred, Partial, Split, Deposits, Pay Later, COD or NET30 payment options
- Payment options on Product (Deposit on Products) or cart page (Deposit on total)
- Charge customer their balance on their card before shipping or on due date
- One click setup. Can be managed from theme customize. Support all languages
- Streamline COD Orders with our app and Minimize Your RTO!
Feature Comparison
| Rating | 5/5 | 5/5 |
Rating CP24 Membership5/5 Pay Later, Split Pay ‑ Cypher5/5 | ||
| Reviews | 5 | 7 |
Reviews CP24 Membership5 Pay Later, Split Pay ‑ Cypher7 | ||
| Core Functionality | Membership program management | Flexible payment options (split, deferred, etc.) |
Core Functionality CP24 MembershipMembership program management Pay Later, Split Pay ‑ CypherFlexible payment options (split, deferred, etc.) | ||
| Target Merchant | Businesses offering subscription services or premium content. | Businesses selling high-value items, pre-orders, or custom products. |
Target Merchant CP24 MembershipBusinesses offering subscription services or premium content. Pay Later, Split Pay ‑ CypherBusinesses selling high-value items, pre-orders, or custom products. | ||
| Key Benefit | Recurring revenue and customer loyalty | Increased AOV and sales conversion rates. |
Key Benefit CP24 MembershipRecurring revenue and customer loyalty Pay Later, Split Pay ‑ CypherIncreased AOV and sales conversion rates. | ||
| Order Automation | Automated order placement for members. | Automated payment reminders & card charging. |
Order Automation CP24 MembershipAutomated order placement for members. Pay Later, Split Pay ‑ CypherAutomated payment reminders & card charging. | ||
| Customer Portal | Comprehensive member portal for plan management. | Payment options integrated in product/cart page. |
Customer Portal CP24 MembershipComprehensive member portal for plan management. Pay Later, Split Pay ‑ CypherPayment options integrated in product/cart page. | ||
| Payment Support | Recurring subscription payments only. | Supports diverse payment schedules, COD & NET30. |
Payment Support CP24 MembershipRecurring subscription payments only. Pay Later, Split Pay ‑ CypherSupports diverse payment schedules, COD & NET30. | ||
Our Verdict
If you are selling a product or service suitable for a subscription model and want to build a loyal customer base with recurring revenue, CP24 Membership is the clear choice. Its focus on member management, exclusive discounts, and automated ordering is tailored for this purpose.
However, if you sell high-ticket items, offer pre-orders, or custom-made products where customers may hesitate due to the initial cost, Pay Later, Split Pay ‑ Cypher is the better option. Its flexible payment options remove the financial barrier to purchase, potentially boosting your AOV and overall sales.
Common Questions
Which app is easier to set up?
Pay Later, Split Pay ‑ Cypher claims a 'one-click setup' and can be managed from the theme customizer, suggesting it may be easier to implement initially. CP24 Membership, with its more complex membership management features, may require more configuration.
Does CP24 Membership support split payments?
Based on the provided information, CP24 Membership does not inherently support split payments outside of its recurring subscription structure. Its primary focus is on membership plans and exclusive member discounts.
Can Pay Later, Split Pay ‑ Cypher be used for subscription services?
While Pay Later, Split Pay ‑ Cypher offers flexible payment options, it is not designed specifically for managing recurring subscriptions. Its strength lies in splitting or deferring the payment of a single purchase.
Which app is better for improving customer retention?
CP24 Membership is specifically designed for customer retention through membership programs, exclusive discounts, and a dedicated member portal. Pay Later, Split Pay ‑ Cypher focuses more on initial sales conversion and may not directly impact long-term customer retention as much.
Are there any overlapping features between the two apps?
The primary overlap is facilitating payments, but in fundamentally different ways. Both apps indirectly improve the purchasing experience, though CP24 Membership focuses on those who have bought into a subscription, and Pay Later Split Pay focuses on those that may be hesitant for large purchases.
Get More From Your Shopify Store
Run audits for SEO, CRO, PageSpeed, and AI visibility. Get a clear report and actionable fixes.
Try Fix My Store