How does Montonio's Pay Later work?

Customers can choose to split payments into equal interest-free instalments or opt for longer-term financing at checkout. Merchants receive the full amount immediately.

Does financing cost anything for merchants?

No, Montonio's financing is completely free for merchants. Customers pay in instalments, while you receive full payment upfront.

What's the approval rate for financing?

90%+ approval rates for Buy Now, Pay Later and 75%+ for longer-term financing, ensuring more customers can complete their purchases.

Which platforms does Montonio integrate with?

Montonio Pay Later works with WooCommerce, Magento, PrestaShop, OpenCart, and custom setups via API.

Pay later solutions for ecommerce

v1.0.1

Announcing our new product

Let customers pay later, while you get paid today

Give your customers the freedom to pay over time, while you get paid upfront. Offer interest-free installments or flexible financing – no hidden fees, no added complexity.

Get started Talk to sales

Trusted by over 8,000 businesses

Higher conversions

90%+ approval rates mean fewer abandoned carts.

Bigger order sizes

Flexible payments help bigger baskets get through checkout.

No merchant fees

Financing is 100% free for merchants— no hidden fees, no surprises.

Fast approvals

Customers get an offer in seconds, so they can check out now, not later.

Bigger baskets, fewer drop-offs

Give your customers the freedom to pay in installments—boosting conversions, improving cash flow, and making larger purchases more accessible.

Pay Later

Split payments, boost sales

Offer interest-free installments. Customers can split payments into one, two, or three parts – driving higher conversions.

Flexible financing

Make big purchases manageable

Let customers pay over 3 to 72 months with financing that makes higher-ticket items more accessible, with no added costs for you.

Instant decision

Skip the wait, keep more sales

Shoppers get approved in seconds, so they can buy now, without the delays that turn carts into lost sales.

Get paid in full, risk-free

No cash flow delays

You get paid in full upfront, your customers pay later. No risk, no delays.

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Thanks to Montonio, the share of successful payments increased by almost 10% which increased the turnover of our online store by 10%!

Frequently Asked Question

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Convert every customer.

Shipping that lets you do less and save more.

A checkout experience your customers love—at a cost you’ll love too. Save more, convert better, and keep business flowing.

Spend less time on admin, resolve issues faster, and keep costs under control. Payments, shipping, tracking, and support are all connected in one simple flow.

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Payment initiation service is provided by Montonio Finance UAB, a Lithuanian limited liability company, registry code 305205122, address Konstitucijos 7, Vilnius, Lithuania, and holding a payment institution license No LB002007 issued by the Bank of Lithuania. © 2026 Montonio Finance OÜ