> This page is for For Users. > For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://whop.ferndocs.com/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://whop.ferndocs.com/_mcp/server. # Financing options > Buy now pay later options for your customers — AfterPay, Splitit, Klarna, Sezzle, ZipPay, and more. Whop offers ten different financing options: AfterPay (known as ClearPay in the UK), Splitit, Klarna, Sezzle, ZipPay, ClarityPay, Scalapay, Tamara, SeQura, and Climb. All of these buy now pay later options allow your customers to pay off their purchase over time, while you receive the full payment immediately at purchase. #### Get paid upfront You receive full payment upfront; financing partners handle customer repayment. #### Global options, flexible criteria Access providers across regions with flexible qualification requirements. #### Automatic at checkout Financing options appear automatically at checkout when the customer is eligible. Once your business is approved to access financing, all eligible options will automatically appear at checkout. Customers manage their payment schedules directly via the financing partner's portal. ## Financing overview
Method Countries Max amount Max term Credit score
Zip Pay USA 4 months Around 460
AfterPay / ClearPay USA, UK 12 months Around 600
Klarna USA, EU, Canada, Australia 24 months Around 600
Sezzle USA, Canada 24 months Around 550
Splitit USA, International 6 months No credit score required
Scalapay Italy, France, Spain, Portugal 4 months No credit score required
Climb US 5 years Around 500, but flexible
ClarityPay US 36 months Around 600
Tamara UAE, Saudi Arabia 4 months No credit score required
SeQura Spain 12 months No credit score required
## What BNPL options does Whop offer? Learn more about Whop's financing options below: ### 1. AfterPay / ClearPay **Overview:** AfterPay (known as ClearPay in the UK) is a leading financing option for mid-ticket offers, designed for fast, low-friction checkout. It has strong brand-name recognition, high consumer trust, and extremely wide adoption among US and UK customers. * **Supported countries:** USA, UK * **Maximum amount:** \$4,000 for US; £1,000 for UK * **Maximum term length:** 12 months * **Approvals**: starting around 600 credit score ### 2. Splitit **Overview:** Splitit is a unique buy now pay later option that supports higher-priced plans, international customers, and requires no credit check from customers. Splitit is different from most BNPL options, as it leverages a customer's existing credit card and available credit limit to break purchases into monthly installments. There's no extra application or external credit check from Splitit itself, and buyers can split purchases into monthly, interest-free installments as long as they have available credit on their card. * **Supported countries:** INTL & USA * **Maximum amount:** * **Maximum term length:** 6 months (up to 12 months with approval) * **Approvals:** No credit score requirement – based off existing lines of credit on cards * **Funding terms:** 0% interest for buyers ### 3. Klarna **Overview:** Klarna is a global buy now, pay later provider offering flexible payment options, including Pay in 4, Pay in 30 days, and long-term financing for larger purchases. It has strong brand recognition and can support both US- and EU-based customers. * **Supported countries:** USA, EU, CA, AU * **Maximum amount:** \$10,000 for USA (see international limits in table below) * **Maximum term length:** 24 months * **Approvals**: starting around 600 credit score | Country | Min Amount | Max Amount | | -------------- | ---------- | ------------- | | Austria | €25,00 | €10.000,00 | | Czechia | 25,00 Kč | 25.000,00 Kč | | Finland | €25,00 | €5.000,00 | | France | €1,00 | €1.500,00 | | Germany | €25,00 | €10.000,00 | | Greece | €1,00 | €1.000,00 | | Ireland | €1.00 | €1,500.00 | | Italy | €1,00 | €4.500,00 | | Netherlands | €35,00 | €4.000,00 | | Norway | kr 0,00 | kr 150.000,00 | | Portugal | €1,00 | €1.000,00 | | Spain | €1,00 | €1.500,00 | | Sweden | 250,00 kr | 150.000,00 kr | | Australia | A\$1.00 | A\$2,000.00 | | United Kingdom | £1.00 | £2,000.00 | | United States | \$0.50 | \$10,000.00 | ### 4. Sezzle **Overview:** Sezzle is a buy now, pay later platform that gives customers flexible ways to pay, including Pay in 2, Pay in 4 interest-free installments, or longer-term monthly financing for larger purchases. * **Supported countries:** USA/CA * **Maximum amount:** \$2,500 * **Maximum term length:** 24 months * **Approvals**: starting around 550 credit score * **Funding terms**: No recourse for defaulted plans, zero-interest options available ### 5. ZipPay **Overview:** ZipPay is an ideal buy now pay later option for shorter plans and lower-priced offers. Zip's most popular product lets shoppers split purchases into 4 installments over 6 weeks, with payments charged every two weeks. * **Supported countries:** USA * **Maximum amount:** \$1,500 * **Maximum term length:** 4 months * **Approvals**: starting around 460 credit score ### 6. ClarityPay **Overview:** ClarityPay is a financing provider designed for higher-ticket purchases, giving customers the ability to spread payments over longer monthly terms while merchants receive the full payment upfront. Please [contact Whop Support](https://whop.com/home-feed/?intercom=1) if you are interested in enabling ClarityPay on your checkout. * **Supported countries:** USA * **Maximum amount:** \$30,000 * **Maximum term length:** 36 months * **Approvals**: starting around 600 credit score ### 7. Scalapay **Overview:** Scalapay is a popular European buy now pay later option that lets customers split purchases into either 3 or 4 installments with 0% interest. Customers can pay with credit, debit or prepaid cards. Please [contact Whop Support](https://whop.com/home-feed/?intercom=1) if you are interested in enabling Scalapay on your checkout. * **Supported countries:** Italy, France, Spain, Portugal * **Maximum amount:** €3,000 * **Maximum term length:** 4 months * **Funding terms:** Merchants receive the full payment upfront. Customers pay no additional fees. ### 8. Tamara **Overview:** Tamara is a Sharia-compliant leading Buy Now, Pay Later (BNPL) service across the GCC region. It allows customers to split purchases into interest-free installments (2, 3, or 4+ payments) with no hidden fees or late fees. Please [contact Whop Support](https://whop.com/home-feed/?intercom=1) if you are interested in enabling Tamara on your checkout. * **Supported countries:** UAE, Saudi Arabia * **Maximum amount:** SAR 15,000 * **Maximum term length:** 4 months * **Funding terms:** Merchants receive the full payment upfront. Customers pay no additional fees. ### 9. SeQura **Overview:** SeQura is a European BNPL provider focused on installment payments specifically for online education offers (courses, eBooks, digital materials, etc). It lets Spanish customers split purchases into 3, 6, 9, or 12 monthly installments at checkout. Please [contact Whop Support](https://whop.com/home-feed/?intercom=1) if you are interested in enabling SeQura on your checkout. * **Supported countries:** Spain (Italy, France, Portugal, Mexico & Colombia coming soon) * **Maximum amount:** €5,000 * **Maximum term length:** 12 months * **Funding terms:** 88% after 14 days, 12% after 12 months (varies depending on customer and merchant risk profile) ### 10. Climb Financing **Overview:** Climb Financing enables buyers to finance larger-ticket purchases with long-term repayment plans, while merchants receive risk-adjusted funding upfront. Please [contact Whop Support](https://whop.com/home-feed/?intercom=1) if you are interested in enabling Climb on your checkout. * **Supported countries:** USA * **Maximum amount:** Up to \$42,750 per customer * **Maximum term length:** Up to 5 years (depends on credit profile and program) * **Funding terms:** Merchants receive an upfront payout that varies by borrower credit tier — for example, \~94% at 770+ credit, down to \~44% at 600+ ## Related resources #### [Apply for financing](/payments-and-billing/financing/apply) See eligibility requirements and how to apply to access financing options.