Create a Shop Now Pay Later App Like AfterPay

Create a Shop Now Pay Later App Like AfterPay

Mobile app development

Shop Now Pay Later apps are a relatively new phenomenon that allows customers to purchase goods or services immediately and pay for them in instalments over time. AfterPay is one of the most successful of these apps, allowing users to make purchases from a range of retailers and pay for them in four interest-free installments.

For consumers, the benefits of using a Shop Now Pay Later app are clear: they can make purchases they might not otherwise be able to afford, and spread the cost over time without incurring interest charges. For retailers, offering AfterPay and similar apps can boost sales, increase customer loyalty and reduce shopping cart abandonment.

AfterPay, which was launched in Australia in 2014, has enjoyed enormous success and has since expanded into a global market. The app has over 16 million active users and works with over 98,000 merchants worldwide. Its success has inspired numerous other Shop Now Pay Later apps, such as Klarna, ZipPay, and Sezzle, to enter the market.


What is AfterPay?

Afterpay is a popular Shop Now Pay Later app that allows users to make purchases from a range of retailers and pay for them in four interest-free installments. Launched in Australia in 2014, the app has enjoyed enormous success and has since expanded into a global market. With over 16 million active users and partnerships with over 98,000 merchants worldwide, Afterpay has become a household name for those looking for a flexible and affordable way to pay for their purchases. Its key features include a user-friendly interface, easy payment tracking, automated reminders, and integration with popular payment systems like PayPal and Apple Pay. By offering consumers a way to buy now and pay later, Afterpay has disrupted the traditional payment industry and is quickly becoming a preferred payment option for many shoppers.


Features of a Custom Buy Now Pay Later App like AfterPay

Buy now, pay later

Allow customers to make purchases and pay later in instalments.

Payment plans

Offer different payment plan options such as interest-free instalments, layaway plans or deferred payments.

User-friendly interface 

Provide a simple and intuitive interface for easy navigation and checkout experience.

Integration with popular payment systems 

Allow integration with popular payment systems such as PayPal, Apple Pay, and Google Pay for a smooth and secure payment experience.

Automated reminders 

Send automated reminders to users to help them stay on top of their payment schedule.

Secure payment gateway 

Ensure a secure payment gateway with strong encryption and fraud prevention measures in place.

E-commerce platform integration 

Integrate with e-commerce platforms to allow seamless checkout and order tracking.

Loyalty and reward programs 

Incentivize users to shop more and pay on time by offering loyalty and reward programs.

Analytics dashboard 

Provide an analytics dashboard to track user behavior, conversion rates and overall performance of the app.

Referral programs

Encourage users to invite their friends and family to join the app with referral programs.

In-app messaging and customer support

Offer in-app messaging and customer support to help users resolve any issues or queries they may have.


How To Go For Design & Development

  1. Importance of user-friendly design and intuitive navigation

The success of any mobile app heavily relies on its user interface and overall design. A Shop Now Pay Later app needs to be user-friendly and easy to navigate to provide a seamless shopping experience. The app should be designed with a simple and clean layout, keeping in mind the target audience’s preferences and behavior. A user-friendly design will make it easier for customers to search, select and purchase products, and make payments. This can increase the chances of customers returning to use the app again and referring it to their friends.

  1. Key considerations when developing a Shop Now Pay Later app

Developing a Shop Now Pay Later app requires careful consideration of various factors such as security, compliance, and integration with payment systems. The app needs to be secure to prevent fraud and protect customers’ sensitive financial information. Compliance with industry standards such as the Payment Card Industry Data Security Standard (PCI DSS) and General Data Protection Regulation (GDPR) is essential to ensure the app is legally compliant. Integrating with popular payment systems such as PayPal, Apple Pay, and Google Pay is also important to provide users with a convenient and secure payment option.

  1. Stages of app development and key tasks involved

The development process of a Shop Now Pay Later app involves several stages, including ideation, design, development, testing, and deployment. The key tasks involved in each stage include:

  1. Ideation: Defining the app’s features, target audience, and overall goals.
  2. Design: Creating wireframes and user interface designs.
  3. Development: Writing code, integrating APIs and payment systems, and building the app’s backend.
  4. Testing: Conducting comprehensive testing to ensure the app is bug-free and performs as expected.
  5. Deployment: Publishing the app on app stores and ensuring it meets all the necessary compliance and security standards.


Tech Stack


  • React Native or Flutter for cross-platform mobile app development
  • Redux for state management
  • React Navigation for seamless navigation and routing
  • React Native Elements or Material UI for designing the user interface


  • Node.js for server-side scripting
  • Express.js or Fastify for building the API
  • MongoDB or PostgreSQL for database management
  • Stripe or Braintree for payment processing and integration
  • JSON Web Tokens (JWT) for secure authentication and authorization
  • Redis for caching frequently accessed data


  • Amazon Web Services (AWS) or Google Cloud Platform (GCP) for cloud infrastructure
  • Docker or Kubernetes for containerization and orchestration
  • NGINX or Apache for web server
  • Firebase or AWS Amplify for backend as a service (BaaS) functionality
  • GitLab or GitHub for version control and continuous integration and deployment (CI/CD) pipeline

Using this tech stack can ensure that the app is developed efficiently and effectively, with a strong focus on security and performance. However, it’s important to note that the specific tech stack used may vary depending on the development team’s preferences, expertise, and the requirements of the project.



Developing a Shop Now Pay Later app requires careful consideration of various factors, including user-friendly design, secure payment processing, and compliance with industry standards. By integrating popular payment systems and offering multiple payment plan options, a Shop Now Pay Later app can provide a seamless shopping experience for customers while ensuring security and compliance.

Posted on May 9, 2023 by Keyur Patel
Keyur Patel