---
title: Accept Buy Now Pay Later Payments
slug: payment-methods/buy-now-pay-later
excerpt: >-
  Accept EMI payments with Pine Labs Online — Credit Card EMI, Debit Card EMI,
  and Down Payment EMI. Let customers pay in installments.
sidebar_order: 5
hidden: false
metadata:
  title: Accept Buy Now Pay Later Payments - BNPL | Pine Labs
  description: >-
    Accept Buy Now Pay Later (BNPL) payments with Pine Labs including LazyPay
    and other providers. Enable EMI options for customers to pay in installments
    with eligibility checks and seamless checkout.
  keywords: >-
    buy now pay later, bnpl, lazypay, pay later, installment payments, emi,
    deferred payment, eligibility check
  robots: index
---
By integrating with Pine Labs Online by Pine Labs Pay Later feature, you can start accepting payments from your customers through Pay Later services offered by various third-party providers.

> 🚧 Important
>
> * Ensure your Merchant Identifier is configured to support the Buy Now, Pay Later payment method.
> * If not yet configured, please reach out to our integrations team to have it enabled.

## Feature Flow

**1. Checkout Initiation**: The customer initiates the checkout process on the merchant's platform.

**2. Eligibility Check**: Use our Check Eligibility API to verify eligibility for Pay Later method using the `mobilie_number` or `email` address and `invoice_amount`. Pass both parameters in the Eligibility Check API to check the eligibility and proceed to seamless checkout.

**3. Payment Option Displayed**

* During checkout, all supported payment methods are presented to the customer, including the newly available Pay Later option.
* On choosing the pay later service providers listed in the checkout, our service provider sends you an OTP on your registered mobile number. Enter the OTP received to complete the transaction.

## Configuring Pay Later as a Payment Option

Learn how to enable or disable the Pay Later payment method in your seamless checkout integration:

* **To enable Pay Later**: Include Pay Later in the `allowed_payment_methods` parameter when calling the Create Order API request.
* **To disable Pay Later**: Omit Pay Later from the `allowed_payment_methods` parameter in the Create Order API request.

This configuration, allows you to control the availability of Pay Later options based on your business logic or user preferences.

> 📘 Note
>
> * No integration changes are required to support Pay Later as a payment option on Pine Labs Online Hosted Checkout.
> * For now, `LAZYPAY` is the only available third-party Pay Later service provider.

## Related Links

- [API Documentation](/api/bnpl)