Pay Later, Split Pay ‑ Cypher vs TryOnify: Try Before You Buyfor Shopify (2026)
Pay Later, Split Pay ‑ Cypher and TryOnify: Try Before You Buy both aim to increase sales by offering alternative payment options. Pay Later, Split Pay ‑ Cypher focuses on providing a range of flexible payment plans, including partial payments, deferred payments, split payments, deposits, pay later options, NET30, and pre-order payments, aiming to boost sales for high-value, made-to-order items. It emphasizes automating payment reminders and charging cards on file, streamlining COD orders and minimizing returns. TryOnify, on the other hand, concentrates on a "Try Now, Pay Later" model, deferring payments during a free trial period to acquire new customers efficiently, minimizing cart abandonment, and encouraging repeat purchases. The fundamental difference lies in their approach. Pay Later, Split Pay ‑ Cypher caters to merchants who need granular control over payment schedules and want to offer diverse installment options for various product types. TryOnify caters to merchants who want to offer a free trial period before payment, removing payment barriers for cautious buyers and acquiring new customers sustainably. Both apps have perfect 5-star ratings, however, Pay Later, Split Pay ‑ Cypher has a slightly higher number of reviews.
At a Glance
Pay Later, Split Pay ‑ Cypher
7 reviews
TryOnify: Try Before You Buy
4 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!
TryOnify: Try Before You Buy
Provide customers with a free trial shopping experience in minutes.
Key Features
- Quick & easy setup
- No usage-based tax that eats into your profits
- Automatic payment collection when the trial ends
- Automatic credit card authorizations to ensure payment on time
- Reauthorize credit cards for longer trial periods
Feature Comparison
| Rating | 5/5 | 5/5 |
Rating Pay Later, Split Pay ‑ Cypher5/5 TryOnify: Try Before You Buy5/5 | ||
| Reviews | 7 | 4 |
Reviews Pay Later, Split Pay ‑ Cypher7 TryOnify: Try Before You Buy4 | ||
| Payment Options | Deferred, Partial, Split, Deposits, Pay Later, COD, NET30, Pre-Orders | Try Now, Pay Later (Deferred Payment) |
Payment Options Pay Later, Split Pay ‑ CypherDeferred, Partial, Split, Deposits, Pay Later, COD, NET30, Pre-Orders TryOnify: Try Before You BuyTry Now, Pay Later (Deferred Payment) | ||
| Target Merchant | High-value, made-to-order products; merchants seeking granular payment control | Merchants seeking to acquire new customers through free trials, addressing cart abandonment |
Target Merchant Pay Later, Split Pay ‑ CypherHigh-value, made-to-order products; merchants seeking granular payment control TryOnify: Try Before You BuyMerchants seeking to acquire new customers through free trials, addressing cart abandonment | ||
| Payment Automation | Payment reminders, automatic card charging before shipping or on due date. | Automatic payment collection after trial end, credit card authorizations |
Payment Automation Pay Later, Split Pay ‑ CypherPayment reminders, automatic card charging before shipping or on due date. TryOnify: Try Before You BuyAutomatic payment collection after trial end, credit card authorizations | ||
| Key Benefit | Increased AOV, streamlined COD orders, flexibility in payment scheduling | Sustainable customer acquisition, reduced cart abandonment, increased purchase frequency |
Key Benefit Pay Later, Split Pay ‑ CypherIncreased AOV, streamlined COD orders, flexibility in payment scheduling TryOnify: Try Before You BuySustainable customer acquisition, reduced cart abandonment, increased purchase frequency | ||
| Implementation | One-click setup, theme customization, language support | Quick & easy setup, no usage-based tax |
Implementation Pay Later, Split Pay ‑ CypherOne-click setup, theme customization, language support TryOnify: Try Before You BuyQuick & easy setup, no usage-based tax | ||
Our Verdict
For merchants selling high-value, custom products requiring deposit options or multiple installment plans, Pay Later, Split Pay ‑ Cypher is the better choice. Its extensive suite of features allows for maximum flexibility in structuring payment schedules and managing COD orders. The ability to charge customers’ cards on file is a valuable asset.
However, if the primary goal is to acquire new customers by removing payment barriers and offering a "try before you buy" experience, TryOnify: Try Before You Buy is the more suitable option. Its focus on deferred payments during a trial period can significantly reduce cart abandonment and encourage conversions. Its ease of setup and lack of usage-based taxes make it an attractive option for merchants prioritizing simplicity and cost-effectiveness in their customer acquisition strategy.
Common Questions
Which app is better for managing Cash on Delivery (COD) orders?
Pay Later, Split Pay ‑ Cypher specifically mentions features to streamline COD orders and minimize returns. TryOnify does not address COD orders.
Which app is easier to set up and use?
Both apps claim to have a quick and easy setup. However, TryOnify highlights this as a key benefit, and also emphasizes the absence of usage-based tax, suggesting it might be marginally simpler to manage overall.
Which app is better for increasing Average Order Value (AOV)?
Pay Later, Split Pay ‑ Cypher explicitly states it can increase AOV with deposits. While TryOnify aims to increase purchase frequency, it does not directly address increasing AOV on the initial order.
How do the apps handle payment failures?
Pay Later, Split Pay ‑ Cypher focuses on charging the card on file before shipping, implying a strategy to prevent payment failures before fulfillment. TryOnify utilizes automatic credit card authorizations and reauthorizations to ensure payment after the trial period.
What type of product is each best suited for?
Pay Later, Split Pay - Cypher is best suited for high-value, made-to-order products. TryOnify is best suited for any product where customers might be hesitant to purchase without trying it first, like apparel, cosmetics, or software.
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