Pay Later, Split Pay ‑ Cypher vs Supercyclefor Shopify (2026)
Both Pay Later, Split Pay ‑ Cypher and Supercycle have perfect 5/5 ratings based on 7 reviews, indicating early positive user experiences. However, they cater to drastically different segments of the Shopify market. Pay Later, Split Pay ‑ Cypher focuses on flexible payment solutions, allowing merchants to offer partial payments, deferred payments, split payments, deposits, pre-order options, and even NET30 terms. This empowers merchants selling high-value items, made-to-order goods, or pre-orders to capture more sales by addressing customer affordability concerns. Supercycle, in contrast, provides a comprehensive platform for circular commerce models like rentals, subscriptions, memberships, and resale. It features robust inventory management tailored for tracking individual items and their condition, along with risk management tools such as ID checks, deposits, and pre-authorized credit cards. This makes it ideal for businesses offering alternative ownership models that require sophisticated inventory tracking and usage-based billing. Choosing between the two depends entirely on your business model. If you are selling products outright and want to offer flexible payment options, Pay Later, Split Pay ‑ Cypher is likely the better choice. If you are operating a rental, subscription, resale, or other circular commerce business, Supercycle is the more appropriate solution due to its inventory management and specific features tailored to those business models.
At a Glance
Pay Later, Split Pay ‑ Cypher
7 reviews
Supercycle
7 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!
Supercycle
The complete circular commerce platform. One platform to manage rentals, resale, and subscriptions.
Key Features
- Calendar: Rent items between two fixed dates.
- Subscription: Recurring billing until the item is returned.
- Membership: Access to a catalogue of items for one recurring price.
- Resale: Selling not-new products.
- Powered by inventory management, rebuilt for circular.
Feature Comparison
| Rating | 5/5 | 5/5 |
Rating Pay Later, Split Pay ‑ Cypher5/5 Supercycle5/5 | ||
| Reviews | 7 | 7 |
Reviews Pay Later, Split Pay ‑ Cypher7 Supercycle7 | ||
| Core Functionality | Flexible payment options (split pay, pay later) | Circular commerce platform (rentals, subscriptions, resale) |
Core Functionality Pay Later, Split Pay ‑ CypherFlexible payment options (split pay, pay later) SupercycleCircular commerce platform (rentals, subscriptions, resale) | ||
| Inventory Management | Not explicitly mentioned, likely standard Shopify inventory management | Advanced, serial-level inventory tracking |
Inventory Management Pay Later, Split Pay ‑ CypherNot explicitly mentioned, likely standard Shopify inventory management SupercycleAdvanced, serial-level inventory tracking | ||
| Target Merchant | Merchants selling high-value items, made-to-order products, pre-orders | Merchants offering rentals, subscriptions, resale, or other circular commerce models |
Target Merchant Pay Later, Split Pay ‑ CypherMerchants selling high-value items, made-to-order products, pre-orders SupercycleMerchants offering rentals, subscriptions, resale, or other circular commerce models | ||
| Risk Management | Streamlines COD orders, payment reminders. | ID checks, deposits, pre-authorized credit cards, damage charges |
Risk Management Pay Later, Split Pay ‑ CypherStreamlines COD orders, payment reminders. SupercycleID checks, deposits, pre-authorized credit cards, damage charges | ||
| Pricing | Not specified but likely usage-based or tiered. | Not specified but likely usage-based or tiered related to inventory size/transactions. |
Pricing Pay Later, Split Pay ‑ CypherNot specified but likely usage-based or tiered. SupercycleNot specified but likely usage-based or tiered related to inventory size/transactions. | ||
| Primary Value Proposition | Increase AOV and sales by offering flexible payment options. | Enable and manage circular commerce models with robust tracking and billing. |
Primary Value Proposition Pay Later, Split Pay ‑ CypherIncrease AOV and sales by offering flexible payment options. SupercycleEnable and manage circular commerce models with robust tracking and billing. | ||
Our Verdict
For Shopify merchants selling traditional products and aiming to boost sales through flexible payment options like installments and delayed payments, Pay Later, Split Pay ‑ Cypher is the better choice. Its focus on payment flexibility makes it a valuable tool for increasing AOV and converting hesitant customers. Supercycle, on the other hand, is a specialized platform designed for merchants operating circular business models. Its strength lies in managing rentals, subscriptions, and resale with its advanced inventory tracking and risk management features. If you're not operating a circular economy business, Supercycle is likely overkill. Therefore, the better app fundamentally depends on the underlying business model.
Common Questions
Which app is easier to set up?
Pay Later, Split Pay ‑ Cypher claims a "one-click setup", suggesting it may be easier to get started. Supercycle, with its more complex functionality for managing inventory and circular commerce models, likely requires a more involved setup process.
Can I use both apps together?
It's unlikely that both apps are needed simultaneously. Pay Later, Split Pay ‑ Cypher addresses payment flexibility, while Supercycle addresses the business model itself. If you're offering rentals *and* want to offer split payments on those rentals, then potentially Supercycle integrations with other payment gateways could be explored. But integrating Pay Later, Split Pay ‑ Cypher would be redundant.
Which app has better long-term scalability?
Supercycle likely offers better long-term scalability for circular businesses due to its focus on inventory management and recurring billing. As a business grows, managing individual items and subscriptions becomes increasingly complex, which Supercycle is designed to handle. Pay Later, Split Pay ‑ Cypher's scalability would depend on its ability to handle a large volume of payment reminders and deferred payments.
Which app provides better reporting?
Based on the descriptions, Supercycle likely provides more detailed reporting on inventory utilization, rental performance, and subscription metrics, given its focus on circular commerce. Pay Later, Split Pay ‑ Cypher would likely provide reporting focused on payment performance, such as split pay conversion rates and delayed payment success.
Which app is better for improving customer retention?
Both apps can improve customer retention, but in different ways. Pay Later, Split Pay ‑ Cypher improves retention by making purchases more affordable and convenient, while Supercycle improves retention by providing a seamless experience for rentals, subscriptions, and resale, fostering customer loyalty through access and convenience.
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