Pay Later, Split Pay ‑ Cypher vs Qliro Extensionfor Shopify (2026)
Pay Later, Split Pay ‑ Cypher and Qliro Extension both fall under the 'Payment options - Other' category in the Shopify app store, but they address very different needs. Pay Later, Split Pay ‑ Cypher focuses on providing flexible payment options directly to merchants, allowing them to offer split payments, deposits, pay later options, and even COD through their platform, directly to their customers. This app caters to merchants selling higher-value items or pre-orders where payment flexibility can significantly increase sales and AOV. It emphasizes ease of use and direct integration with the store's theme. The app also streamlines Cash on Delivery (COD) orders. The Qliro Extension, on the other hand, acts as an enhancement to existing Qliro payment apps. Qliro Extension focuses on improving the presentation and management of Qliro payment options already offered by the store. It's designed for merchants who already utilize Qliro as a payment gateway and need greater control over how those options are displayed, translated, and promoted to customers. Qliro Extension's strength lies in its ability to tailor the Qliro payment experience for different markets and languages, and to integrate banner widgets to advertise payment methods. The key distinction is that Qliro Extension requires an underlying Qliro payment solution, while Pay Later, Split Pay ‑ Cypher, is a standalone solution offering multiple payment types.
At a Glance
Pay Later, Split Pay ‑ Cypher
7 reviews
Qliro Extension
0 reviews
Detailed Overview
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!
Qliro Extension
Qliro extension app is used together with Qliro payment apps to get extended features
Key Features
- Rename the payment method
- Support for adjusting language according to market
- Easier to add banner widgets to promote payment methods and campaigns
- Choose in which countries Qliro should be visible or hidden
Feature Comparison
| Rating | 5/5 | 0/5 |
Rating Pay Later, Split Pay ‑ Cypher5/5 Qliro Extension0/5 | ||
| Reviews | 7 | 0 |
Reviews Pay Later, Split Pay ‑ Cypher7 Qliro Extension0 | ||
| Core Functionality | Directly offers flexible payment options (split pay, deposits, etc.) | Enhances existing Qliro payment options. |
Core Functionality Pay Later, Split Pay ‑ CypherDirectly offers flexible payment options (split pay, deposits, etc.) Qliro ExtensionEnhances existing Qliro payment options. | ||
| Target Merchant | Merchants selling high-value items, pre-orders, or wanting to offer flexible payment terms directly. | Merchants already using Qliro and needing customization and promotion tools. |
Target Merchant Pay Later, Split Pay ‑ CypherMerchants selling high-value items, pre-orders, or wanting to offer flexible payment terms directly. Qliro ExtensionMerchants already using Qliro and needing customization and promotion tools. | ||
| Payment Options | Partial, Split, Deposits, Pay Later, NET30, COD, Pre-Order with card on file | Relies on Qliro's existing payment options. |
Payment Options Pay Later, Split Pay ‑ CypherPartial, Split, Deposits, Pay Later, NET30, COD, Pre-Order with card on file Qliro ExtensionRelies on Qliro's existing payment options. | ||
| Ease of Setup | One-click setup, can be managed from theme customize | Likely straightforward but depends on the underlying Qliro setup. |
Ease of Setup Pay Later, Split Pay ‑ CypherOne-click setup, can be managed from theme customize Qliro ExtensionLikely straightforward but depends on the underlying Qliro setup. | ||
| Value Proposition | Increase AOV and sales by offering flexible payment terms directly to customers | Improve customer experience and promote Qliro payment methods effectively. |
Value Proposition Pay Later, Split Pay ‑ CypherIncrease AOV and sales by offering flexible payment terms directly to customers Qliro ExtensionImprove customer experience and promote Qliro payment methods effectively. | ||
| Language Support | Supports all languages | Adjusts language according to market |
Language Support Pay Later, Split Pay ‑ CypherSupports all languages Qliro ExtensionAdjusts language according to market | ||
Our Verdict
For merchants looking to directly offer flexible payment options such as split payments, deposits, and pay later options without relying on an existing payment gateway's capabilities, Pay Later, Split Pay ‑ Cypher is the clear choice. Its direct integration, ease of use, and focus on increasing AOV make it ideal for businesses selling higher-value items or pre-orders. The streamline COD order feature is a bonus.
Qliro Extension is specifically designed for merchants already integrated with Qliro and seeking greater control over the presentation and promotion of their Qliro payment methods. If a merchant doesn't use Qliro, this app offers no value. Therefore, Pay Later, Split Pay ‑ Cypher is the better option for the majority of Shopify stores looking for standalone flexible payment solutions.
Common Questions
Can I use Pay Later, Split Pay ‑ Cypher if I don't have an existing payment gateway?
Yes, Pay Later, Split Pay ‑ Cypher offers flexible payment options directly, independent of existing payment gateways. It manages card on file and automated payment reminders, handling the payment process itself.
Does Qliro Extension offer its own payment gateway?
No, Qliro Extension is not a payment gateway. It enhances the presentation and management of Qliro payment options, which are provided by a separate Qliro payment app and services.
Which app is easier to set up?
Pay Later, Split Pay ‑ Cypher claims a one-click setup and integration within the theme customize, suggesting a simpler setup process compared to Qliro Extension, which depends on a pre-existing Qliro payment integration.
Which app is more likely to increase my Average Order Value (AOV)?
Pay Later, Split Pay ‑ Cypher is explicitly designed to increase AOV by offering flexible payment options, such as deposits and split payments, which can encourage customers to purchase more expensive items.
If I want to offer installment plans without using Qliro, which app should I choose?
Choose Pay Later, Split Pay ‑ Cypher. It provides installment payment options directly, whereas Qliro Extension requires you to already be using Qliro.
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