Pay Later, Split Pay ‑ Cypher vs SPD Split Payment & Depositfor Shopify (2026)
Both Pay Later, Split Pay ‑ Cypher and SPD Split Payment & Deposit aim to provide Shopify merchants with flexible payment options such as split payments, deposits, and layaway plans. Pay Later, Split Pay ‑ Cypher positions itself strongly towards high-value, made-to-order preorders, emphasizing its ability to boost sales and loyalty through features like NET30, COD support, and automated payment reminders using card on file. SPD Split Payment & Deposit, while offering similar functionalities, doesn't explicitly highlight a specific niche. The primary difference lies in their social proof: SPD Split Payment & Deposit has significantly more reviews (85) compared to Pay Later, Split Pay ‑ Cypher (7), suggesting wider adoption and potentially more community support. However, Pay Later, Split Pay ‑ Cypher boasts a perfect 5-star rating, while SPD Split Payment & Deposit has a 4.8-star rating.
At a Glance
Pay Later, Split Pay ‑ Cypher
7 reviews
SPD Split Payment & Deposit
85 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!
Feature Comparison
| Rating | 5/5 | 4.8/5 |
Rating Pay Later, Split Pay ‑ Cypher5/5 SPD Split Payment & Deposit4.8/5 | ||
| Reviews | 7 | 85 |
Reviews Pay Later, Split Pay ‑ Cypher7 SPD Split Payment & Deposit85 | ||
| Target Merchant | High-value, pre-order focused | General |
Target Merchant Pay Later, Split Pay ‑ CypherHigh-value, pre-order focused SPD Split Payment & DepositGeneral | ||
| COD Support | Yes, with RTO minimization | Not specified |
COD Support Pay Later, Split Pay ‑ CypherYes, with RTO minimization SPD Split Payment & DepositNot specified | ||
| Card on File Charging | Automated card charging before shipping | Implied, but not explicitly stated with automation |
Card on File Charging Pay Later, Split Pay ‑ CypherAutomated card charging before shipping SPD Split Payment & DepositImplied, but not explicitly stated with automation | ||
| Payment Options | Deferred, Partial, Split, Deposits, Pay Later, COD, NET30 | SPD Split Payment & Deposit (more details likely within the app) |
Payment Options Pay Later, Split Pay ‑ CypherDeferred, Partial, Split, Deposits, Pay Later, COD, NET30 SPD Split Payment & DepositSPD Split Payment & Deposit (more details likely within the app) | ||
| Setup Ease | One-click setup, theme customize management | Not specified |
Setup Ease Pay Later, Split Pay ‑ CypherOne-click setup, theme customize management SPD Split Payment & DepositNot specified | ||
| Language Support | All languages | Not specified |
Language Support Pay Later, Split Pay ‑ CypherAll languages SPD Split Payment & DepositNot specified | ||
Our Verdict
For merchants dealing with high-value, made-to-order preorders and needing robust COD (Cash On Delivery) support with RTO minimization features, Pay Later, Split Pay ‑ Cypher is a strong contender, especially with its perfect rating. However, the low number of reviews suggests a limited track record. If a merchant prioritizes established popularity and wider community usage, SPD Split Payment & Deposit is a safer bet, backed by a substantial number of reviews. Given the similar feature sets, the choice hinges on whether the merchant values targeted features and a perfect rating (but few reviews) over a more established app with a slightly lower rating.
Common Questions
Which app is easier to set up?
Pay Later, Split Pay ‑ Cypher explicitly states 'One click setup. Can be managed from theme customize', suggesting a simpler integration process. SPD Split Payment & Deposit does not specify its setup process.
Which app is better for high-value items?
Pay Later, Split Pay ‑ Cypher is specifically designed for high-value, made-to-order preorders, whereas SPD Split Payment & Deposit is more general.
Which app is better for reducing Return To Origin (RTO) on COD orders?
Pay Later, Split Pay ‑ Cypher explicitly mentions streamlining COD orders and minimizing RTO. SPD Split Payment & Deposit does not specify support for RTO reduction.
Which app is more established and popular?
SPD Split Payment & Deposit is significantly more established with 85 reviews compared to Pay Later, Split Pay ‑ Cypher with only 7 reviews.
Which app offers NET30 payment terms?
Pay Later, Split Pay ‑ Cypher explicitly offers NET30 payment options, while SPD Split Payment & Deposit does not mention this specifically.
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