MIT Payment Hider vs Pay Later, Split Pay ‑ Cypherfor Shopify (2026)
MIT Payment Hider and Pay Later, Split Pay ‑ Cypher both operate within the 'Payment options - Other' category on the Shopify App Store, but address fundamentally different merchant needs. MIT Payment Hider focuses on providing granular control over which payment methods are displayed to customers based on various conditions. It aims to simplify the checkout process by tailoring the presented payment options. Pay Later, Split Pay ‑ Cypher, in contrast, is designed to offer more flexible payment terms to customers, enabling partial payments, deferred payments, and similar options. The core difference lies in their value proposition. MIT Payment Hider is about *hiding* and manipulating existing payment methods, while Pay Later, Split Pay ‑ Cypher is about *adding* entirely new payment methods and payment plans. MIT Payment Hider appears targeted toward merchants who need to comply with specific regional regulations, customer segments, or product types that require nuanced payment visibility rules. Pay Later, Split Pay ‑ Cypher is aimed at merchants selling high-value items or made-to-order products where flexible payment options can increase sales and customer loyalty. Given the significant difference in reviews and ratings, Pay Later, Split Pay - Cypher appears to be the more established and positively received app.
At a Glance
MIT Payment Hider
0 reviews
Pay Later, Split Pay ‑ Cypher
7 reviews
Detailed Overview
MIT Payment Hider
Hide, sort, or rename payment methods based on specific conditions to simplify your checkout
Key Features
- Use customer tags or groups to hide the payment option
- Hide price based on the total or subtotal value of the cart
- Add attributes to hide payments based on the day of the week
- Add missing payment methods and set their availability
- Get a debug option to share logs with us to fix issues
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 | 0/5 | 5/5 |
Rating MIT Payment Hider0/5 Pay Later, Split Pay ‑ Cypher5/5 | ||
| Reviews | 0 | 7 |
Reviews MIT Payment Hider0 Pay Later, Split Pay ‑ Cypher7 | ||
| Core Functionality | Hiding/Sorting Payment Methods | Offering Flexible Payment Options (Pay Later, Split Pay) |
Core Functionality MIT Payment HiderHiding/Sorting Payment Methods Pay Later, Split Pay ‑ CypherOffering Flexible Payment Options (Pay Later, Split Pay) | ||
| Target Merchant | Merchants needing payment method control based on rules (location, customer, cart value) | Merchants selling high-value items or made-to-order products |
Target Merchant MIT Payment HiderMerchants needing payment method control based on rules (location, customer, cart value) Pay Later, Split Pay ‑ CypherMerchants selling high-value items or made-to-order products | ||
| Ease of Use (Implied) | Likely requires configuration of specific rules/conditions | Potentially easier setup ('One click setup' mentioned) |
Ease of Use (Implied) MIT Payment HiderLikely requires configuration of specific rules/conditions Pay Later, Split Pay ‑ CypherPotentially easier setup ('One click setup' mentioned) | ||
| Value Proposition | Improved checkout experience, compliance, optimized payment method presentation | Increased AOV, more sales through flexible payment plans, customer loyalty |
Value Proposition MIT Payment HiderImproved checkout experience, compliance, optimized payment method presentation Pay Later, Split Pay ‑ CypherIncreased AOV, more sales through flexible payment plans, customer loyalty | ||
| Payment Method Addition | Yes - Add missing payment methods | Yes - Adds Deferred, Partial, Split, Deposits, Pay Later, COD or NET30 payment options |
Payment Method Addition MIT Payment HiderYes - Add missing payment methods Pay Later, Split Pay ‑ CypherYes - Adds Deferred, Partial, Split, Deposits, Pay Later, COD or NET30 payment options | ||
| Key Feature Highlight | Hide payments based on cart, product, customer, shipping conditions | Deferred, Partial, Split, Deposits, Pay Later, COD or NET30 payment options with card on file |
Key Feature Highlight MIT Payment HiderHide payments based on cart, product, customer, shipping conditions Pay Later, Split Pay ‑ CypherDeferred, Partial, Split, Deposits, Pay Later, COD or NET30 payment options with card on file | ||
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Our Verdict
Choosing between MIT Payment Hider and Pay Later, Split Pay ‑ Cypher depends entirely on the specific needs of the merchant. If the goal is to strategically control the visibility of existing payment methods based on various rules and conditions (country, customer, cart value, etc.), then MIT Payment Hider is the relevant choice, although the lack of reviews is a concern. However, if the objective is to offer customers more flexible payment options, like partial payments, deferred payments, and split payments, especially for high-value products or pre-orders, Pay Later, Split Pay ‑ Cypher is the clear winner, supported by positive ratings and reviews.
Given the available data, Pay Later, Split Pay ‑ Cypher currently appears to be the safer and more reliable option due to its positive user feedback. Until MIT Payment Hider gains some traction and proves its effectiveness, Pay Later, Split Pay - Cypher is the recommend option for most merchants who want payment plan options. Merchants should carefully evaluate their specific needs and potentially consider a trial period (if available) to determine which app better fits their business requirements.
Common Questions
Which app is easier to set up?
Pay Later, Split Pay ‑ Cypher claims 'One click setup', suggesting it might be easier to implement initially. MIT Payment Hider likely requires more configuration to define the rules for hiding and sorting payment methods.
Which app is better for increasing Average Order Value (AOV)?
Pay Later, Split Pay ‑ Cypher is specifically designed to increase AOV by enabling flexible payment plans for higher-priced items.
Which app is better for international merchants?
MIT Payment Hider could be beneficial for international merchants needing to comply with local payment regulations or preferences, but Pay Later, Split Pay - Cypher supports all languages.
Which app is better for handling made-to-order products?
Pay Later, Split Pay ‑ Cypher directly addresses the needs of merchants selling made-to-order products by offering deposit and pre-order payment options.
What are the key differences between the apps' feature sets?
MIT Payment Hider focuses on *hiding* and manipulating existing payment methods based on rules, while Pay Later, Split Pay ‑ Cypher focuses on *adding* new payment options like 'Pay Later' and 'Split Pay'. One app provides rules for which payment options will be visible, the other provides a new suite of payment options. MIT Payment Hider provides a debug option for sharing logs, where Pay Later, Split Pay provides a COD streamlines flow.
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