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, 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
Type	Gateway
Connection	API keys
Links	Dashboard · Support · Terms · Privacy · 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 guide for step-by-step setup instructions, and Using PayTomorrow for how PayTomorrow appears at checkout and how payments settle.