Pay Later, Split Pay ‑ Cypher vs Try with Mirra Before You Buyfor Shopify (2026)
Pay Later, Split Pay ‑ Cypher and Try with Mirra Before You Buy both aim to increase sales through flexible payment options, but they target different purchase motivations. Cypher focuses on enabling customers to purchase high-value items they might otherwise be unable to afford immediately, offering options like split payments, deposits, and deferred payments. It caters to merchants selling customizable or pre-order items. Mirra, on the other hand, concentrates on reducing purchase hesitancy, specifically for fashion, beauty, and lifestyle products. It allows customers to try before buying, addressing concerns about fit, style, or suitability, which can improve conversion rates for products where these factors are critical. The key difference lies in the payment strategy. Cypher enables purchases that might not happen at all without flexible payment, while Mirra facilitates purchases that the customer is considering but has reservations about. Cypher's value is in increasing average order value and enabling purchases of high-value products. Mirra’s value is in reducing returns and increasing conversions by allowing trial before commitment. They both claim seamless integration, but Mirra emphasizes customer autonomy through a customer portal, reducing merchant workload on returns. Cypher emphasizes automated payment reminders and charging from card on file.
At a Glance
Pay Later, Split Pay ‑ Cypher
7 reviews
Try with Mirra Before You Buy
28 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!
Try with Mirra Before You Buy
Try Before You Buy App for Fashion, Beauty & Lifestyle Brands
Key Features
- Hassle-free returns for customers and merchants
- Secure payment storage at checkout
- Customer portal for return management
- 24/7 support and comprehensive marketing materials
- Seamless integration with your tech stack
Feature Comparison
| Rating | 5/5 | 5/5 |
Rating Pay Later, Split Pay ‑ Cypher5/5 Try with Mirra Before You Buy5/5 | ||
| Reviews | 7 | 28 |
Reviews Pay Later, Split Pay ‑ Cypher7 Try with Mirra Before You Buy28 | ||
| Target Merchant Type | High-value, made-to-order, pre-order products | Fashion, beauty, and lifestyle brands |
Target Merchant Type Pay Later, Split Pay ‑ CypherHigh-value, made-to-order, pre-order products Try with Mirra Before You BuyFashion, beauty, and lifestyle brands | ||
| Payment Flexibility | Split, partial, deferred payments, deposits, NET30, COD | Try before you buy |
Payment Flexibility Pay Later, Split Pay ‑ CypherSplit, partial, deferred payments, deposits, NET30, COD Try with Mirra Before You BuyTry before you buy | ||
| Key Benefit | Increase AOV, enable sales of high-value products | Reduce returns, increase conversion rates |
Key Benefit Pay Later, Split Pay ‑ CypherIncrease AOV, enable sales of high-value products Try with Mirra Before You BuyReduce returns, increase conversion rates | ||
| Customer Management | Payment reminders, charge card on file | Customer portal for returns |
Customer Management Pay Later, Split Pay ‑ CypherPayment reminders, charge card on file Try with Mirra Before You BuyCustomer portal for returns | ||
| Risk Mitigation | Minimize RTO for COD orders | Reduces customer risk by allowing trial before purchase |
Risk Mitigation Pay Later, Split Pay ‑ CypherMinimize RTO for COD orders Try with Mirra Before You BuyReduces customer risk by allowing trial before purchase | ||
Our Verdict
For merchants selling high-value, customizable products or pre-orders, Pay Later, Split Pay ‑ Cypher is the better choice. It provides the flexible payment options necessary to overcome financial barriers to purchase. For fashion, beauty, and lifestyle brands where fit, style, and personal preference are crucial, Try with Mirra Before You Buy is the superior solution. Allowing customers to try products before committing significantly reduces return rates and builds trust.
While both apps have perfect ratings, Mirra has significantly more reviews, which provides a higher degree of confidence in its performance and reliability. If a merchant's products fall into both categories (e.g., custom-made clothing), a more nuanced evaluation considering the average product value, return rates, and primary reasons for returns is needed. However, based on the core functionality, they serve distinct needs.
Common Questions
What type of payment solutions does each app offer?
Pay Later, Split Pay ‑ Cypher provides options such as partial payments, split payments, deposits, deferred payments (Pay Later), NET30, and COD. Try with Mirra Before You Buy offers a 'try before you buy' system where the customer only pays after deciding to keep the product.
Which app is better for reducing returns?
Try with Mirra Before You Buy is specifically designed to reduce returns by allowing customers to try products at home before committing to a purchase. Pay Later, Split Pay ‑ Cypher doesn't directly address returns.
Which app is better for increasing Average Order Value (AOV)?
Pay Later, Split Pay ‑ Cypher is likely better for increasing AOV, especially for high-value items, as it enables customers to purchase more expensive items through split or deferred payments. Try with Mirra Before You Buy might indirectly increase AOV by improving customer confidence and encouraging them to try more products.
Which app requires more active management by the merchant?
Pay Later, Split Pay ‑ Cypher requires the merchant to set up payment reminders and potentially manage charging the remaining balance. Try with Mirra Before You Buy emphasizes customer self-service through a customer portal, potentially reducing merchant workload regarding returns.
Can these apps be used together?
Potentially, but they address different stages of the purchase decision. A customer could use Cypher to split payments on an item they first tried using Mirra. However, the complexities of integrating the two systems might outweigh the benefits. Merchants should carefully consider the user experience before implementing both.
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