# PayTomorrow

> PayTomorrow is a buy-now-pay-later (BNPL) and consumer financing provider for US merchants. It pays the merchant up front and lets the customer repay over time,

<img src="/_astro/cdn/99542cfb58/logo.png" alt="PayTomorrow" width="400" />

PayTomorrow is a buy-now-pay-later (BNPL) and consumer financing provider for US
merchants. It pays the merchant up front and lets the customer repay over time,
taking on the credit and fraud risk itself. A single application returns an
instant decision across prime, near-prime, and subprime customers using a soft
credit check, which makes it well suited to higher-ticket purchases where a
financing option lifts conversion. The connection to PayTomorrow uses API
credentials, and customers complete the financing application on PayTomorrow's
hosted checkout.

## At a glance

|                  |                                                        |
| ---------------- | ------------------------------------------------------ |
| **Website**      | [paytomorrow.com](https://www.paytomorrow.com/home)    |
| **Type**         | Gateway                                                |
| **Connection**   | API keys                                               |
| **Links**          | [Dashboard](https://merchant.paytomorrow.com/login) · [Support](https://www.paytomorrow.com/merchant-support) · [Terms](https://www.paytomorrow.com/assets/pdf/terms.pdf) · [Privacy](https://www.paytomorrow.com/assets/pdf/privacy-policy.pdf) · [Test cards](/payment-providers/paytomorrow-test-cards/) |

## Where it operates

Merchants can onboard PayTomorrow in the following countries:

United States.

## Payment methods

PayTomorrow is a financing provider, not a card or wallet gateway. Through our
PayTomorrow integration, merchants can offer:

- **Buy now, pay later / financing:** A hosted PayTomorrow application where the
  customer is approved for financing and repays PayTomorrow over time. Payments
  are processed in USD.

When a customer chooses PayTomorrow at checkout, they are redirected to
PayTomorrow's hosted application to complete the financing agreement. Our
integration supports capture, void, and full and partial refunds against the
resulting order.

Optionally, merchants can enable a **price estimator** that shows customers their
estimated monthly payment directly at checkout before they apply.

## Connecting PayTomorrow

See the [Connecting PayTomorrow](/payment-providers/paytomorrow-connect/) guide for
step-by-step setup instructions, and [Using PayTomorrow](/payment-providers/paytomorrow-using/)
for how PayTomorrow appears at checkout and how payments settle.