PayPlan by RBC Messaging vs Synchrony On‑Site Messagingfor Shopify (2026)
In 2026, choosing between PayPlan by RBC Messaging and Synchrony On-Site Messaging for your Shopify store involves weighing an unknown quantity against a solution with some, albeit limited, validation. PayPlan by RBC Messaging, currently with no ratings or reviews, represents a completely unproven option. Synchrony On-Site Messaging, on the other hand, has a 4/5 rating based on a single review and offers a clear value proposition: integrating financing options to increase sales. Synchrony targets merchants aiming to improve conversion rates by providing customers with flexible payment options like private label credit cards, pay monthly, and pay-in-4 loans. Its appeal lies in its potential to boost purchasing power and streamline the financing process for customers. However, the single review limits the confidence merchants can place in this app. Merchants will need to consider whether the risk of an unproven app (PayPlan) is worthwhile or if the potential rewards of Synchrony outweigh the lack of substantial user feedback.
At a Glance
PayPlan by RBC Messaging
0 reviews
Synchrony On‑Site Messaging
1 reviews
Detailed Overview
Synchrony On‑Site Messaging
Seamlessly integrate financing options to help increase sales and maximize purchasing power.
Key Features
- Our options include private label credit cards, pay monthly and pay-in-4 loans
- Easy integration with onboarding that guides to start selling quickly
- Customers can see if they prequalify without impacting their credit score
- Troubleshooting guides and approved marketing assets to help attract customers
- Help drive conversion by allowing customers to pay over time
Feature Comparison
| Rating | 0/5 | 4/5 |
Rating PayPlan by RBC Messaging0/5 Synchrony On‑Site Messaging4/5 | ||
| Reviews | 0 | 1 |
Reviews PayPlan by RBC Messaging0 Synchrony On‑Site Messaging1 | ||
| Financing Options | Unknown | Private label credit cards, pay monthly, pay-in-4 loans |
Financing Options PayPlan by RBC MessagingUnknown Synchrony On‑Site MessagingPrivate label credit cards, pay monthly, pay-in-4 loans | ||
| Integration Ease | Unknown | Easy integration with onboarding guide |
Integration Ease PayPlan by RBC MessagingUnknown Synchrony On‑Site MessagingEasy integration with onboarding guide | ||
| Credit Score Impact | Unknown | Customers can prequalify without impacting credit score |
Credit Score Impact PayPlan by RBC MessagingUnknown Synchrony On‑Site MessagingCustomers can prequalify without impacting credit score | ||
| Marketing Assets | Unknown | Approved marketing assets provided |
Marketing Assets PayPlan by RBC MessagingUnknown Synchrony On‑Site MessagingApproved marketing assets provided | ||
| Target Merchant | Unknown | Merchants seeking to increase sales through financing options |
Target Merchant PayPlan by RBC MessagingUnknown Synchrony On‑Site MessagingMerchants seeking to increase sales through financing options | ||
| Value Proposition | Unknown | Drive conversion by allowing customers to pay over time |
Value Proposition PayPlan by RBC MessagingUnknown Synchrony On‑Site MessagingDrive conversion by allowing customers to pay over time | ||
Our Verdict
Currently, Synchrony On-Site Messaging appears to be the more viable option, despite its limited review count. Its description explicitly states its purpose: to integrate financing options and increase sales. It offers various financing options like pay monthly or pay-in-4 loans. PayPlan by RBC Messaging's lack of reviews and information makes it an unknown entity, and therefore a much riskier choice.
For merchants comfortable with being early adopters and potentially working through initial issues, PayPlan might be an option. However, for merchants seeking a somewhat established solution (relative term given the one review) with a clear value proposition regarding financing and sales conversion, Synchrony On-Site Messaging is the better choice, at least until PayPlan gathers more reviews and provides more details.
Common Questions
Which app offers more flexible payment options?
Based on the provided information, Synchrony On-Site Messaging lists specific options like private label credit cards, pay monthly, and pay-in-4 loans. PayPlan's offerings are unknown.
Which app is easier to integrate with Shopify?
Synchrony On-Site Messaging claims to have an easy integration process with an onboarding guide. There is no information about the ease of integration for PayPlan by RBC Messaging.
Which app is more established and trustworthy?
While neither app has a significant number of reviews, Synchrony On-Site Messaging has a single 4/5 rating and a descriptive listing, making it comparatively more established than PayPlan by RBC Messaging, which has no reviews or ratings.
Which app will allow customers to see prequalifying credit offers?
Synchrony On-Site Messaging indicates that customers can prequalify without impacting their credit score. It is unknown whether PayPlan offers a similar feature.
Which app provides marketing assets to help attract customers?
Synchrony On-Site Messaging provides approved marketing assets to help attract customers. No information about marketing assets is provided for PayPlan by RBC Messaging.
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