Fake Later

Buy now, pay later — for testing integrations.

Fake Later is a demo buy-now-pay-later company. Hosted shopper approval, authorize-then-capture, partial captures per shipment, refunds, repayment plans, settlement statements, on-site messaging and signed webhooks — with test and live modes and chaos switches. Nobody is lent anything and no money moves.

Create an accountRead the API docs

Pay in 4

Four interest-free payments, every two weeks. The first is collected when the order ships.

Pay in 30 days

The whole amount, interest-free, 30 days after shipping.

Monthly

3, 6 or 12 monthly payments with the APR shown up front (0%, 9.99%, 19.99%).

Authorize, then capture

A session authorizes the full order. Capture per shipment with line items, void the rest; authorizations expire after 28 days.

Test shoppers

approve@, decline@, limit@, review@ and missed@ (any domain) drive every outcome; code 123456.

Settlement

Payouts net of a percentage + fixed fee per currency, with a statement of every capture and refund. AUD, USD, AED, INR.