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This extension is in our Payment category. Please remember that it is the merchant’s responsibility to ensure the proper PCI compliance level of their store, as applicable by PCI regulations. The PCI Self-Assessment is one tool you can use when evaluating Payment extensions and how they may affect your PCI compliance level. For more information on Marketplace policies, please review the Marketplace Terms & Conditions.

Optty: Direct access to 50+ Buy Now Pay Later providers across the globe

by Optty


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Optty unlocks direct access to the world’s BNPL providers (50+ providers in 56 countries and 36 currencies… and we’re still growing) through a single integration. With the Optty extension, retailers are able to leverage each of the 50+ BNPL providers across the globe with whom Optty is certified, without any additional development required. 

Optty is the world's first independent & agnostic global Buy Now Pay Later (BNPL) integration technology. The Optty extension is free and comes loaded with functionality to give retailers the power to apply directly to BNPL providers, and effectively manage their BNPL and alternative payment methods. 

Optty’s mission is to supercharge the performance of retailers by optimising the entire shopping & checkout experience, giving customers more choice, & maximising conversion rates.

Whether you are new to BNPL, looking to expand your BNPL operations across more partners &/or regions, or wanting to gain more control over your BNPL operations - Optty is the fit for you.


Account & Pricing:

Optty requires no upfront fees, no lock-in contracts & no management costs. With Optty you can integrate with as many BNPL partners as you wish for free. Optty is a success-based model. You will only pay for successful transactions & your commercial obligations with the Buy Now Pay Later providers. With Optty, some BNPL partners offer preferential pricing for Optty merchants, providing you with rates usually only available to Enterprise merchants.

More information on our pricing model can be found here.

To start using Optty, sign up & receive your login credentials here.



  • Online registration: Get started in minutes. Simply create an Optty account and receive your sandbox login credentials to get started. 
  • BNPL application: Step by step instructions with direct links to apply for BNPL providers.
  • Integrate new or existing BNPL relationships within minutes: Set up your product pages, footers & checkout pages to the BNPL’s requirements with our simple to use Optty Retail Control Centre.
  • One-to-many integration: Through a single integration, you have access to the entire suite of Optty’s global BNPL partners (50+ and still growing!)
  • Success-based Pricing: Integrate with as many partners as you would like at no cost. Pay only cents per successful transaction to Optty + your negotiated fees to the BNPL.
  • Customisation control: Using the Optty Retail Control Centre, customise your product & checkout pages with full control. Drag BNPL providers up or down to prioritise them in your checkout & on product pages, insert on-site widgets, and easily activate or deactivate providers as needed.
  • Comprehensive reporting: Centralised data reports show the performance of each of your BNPL partners across all regions. Reporting also includes BNPL fees, allowing you to calculate your total cost per order, conversions reporting, average order values, total revenue, BNPL conversion speed & more.
  • Suitable for all business sizes: Optty’s simple & easy integration caters to global businesses transacting in many regions, to SMB’s trading in only one region, delivering customers the variety of payment options they desire.


Transacting Through Optty:

Unchanged Checkout Display: Optty is simply the integration tool that powers your operations, & does not appear anywhere in the checkout process. Your website will look & feel as it would have before Optty integration.

Redirect Functionality: Transactions occur normally, as customers are redirected from the merchant site directly to the BNPL Hosted Payment Page.

Free Refund Functionality: Online & in-store refund functionality is included with Optty. There is no fee charged on these transactions (partial or full refunds).

Post Order Process: Remains as normal & is managed directly through the BNPL partner.

Maintain optimal transaction processing speeds: There is no change in processing speeds when transacting through Optty.

Direct settlement between the BNPL & the merchant: Optty does not facilitate settlement.


Certified & Available Partner Providers (see full list here):

  • 3x/4xCB via Sofinco
  • Ablr
  • Affirm
  • Afterpay - global
  • AliPay
  • Alma
  • Atome
  • Billease
  • Biller
  • Bumper
  • Cashew
  • Clearpay - in all territories
  • Cleo
  • eRaty
  • Finvero
  • FuPay
  • GenoaPay
  • Grab Pay
  • Grab Wallet
  • Hoolah
  • Humm
  • Klarna - global
  • Kueski
  • Latitude Pay
  • Laybuy
  • Openpay
  • Pace
  • Pagaleve
  • Pagantis (Afterpay)
  • Paybright
  • Payflex
  • PayJustNow
  • PayPal
  • Payright
  • PostPay
  • RatePay
  • Scalapay
  • Sezzle
  • Simpl
  • Singtel / Zip
  • Smartpay
  • Splintr
  • Splitit
  • Spotii
  • Tabby
  • Tamara
  • Tendopay
  • Twisto
  • ZestMoney
  • Zip
  • Zip - Quadpay


Increase Checkout Conversion with These 4 Steps:

  1. Sign up with Optty & receive your login credentials here
  2. Download, install & configure Optty for your Magento 2+ website
  3. Go live with your existing Buy Now Pay Later (BNPL) providers within minutes, select the BNPL & enter your API Key & Secret to activate
  4. Request partnership agreements with new BNPL partners, through the direct application functionality in the Optty Retail Control Centre (ORCC) 

Technical Details & Security:

Licensing Agreement: The contractual relationship remains between the merchant & BNPL partner. Optty is removed from this process & is simply the technology that powers the operations. See our terms & conditions here.

Sandbox Testing: All partners within the Optty network have been extensively tested before launch.

PCI: Optty do not handle any card information. The user is redirected to the Buy Now Pay Later provider checkout page, to proceed with the payment process. 

PII: Customer data collected by Optty is only stored in memory as part of the payload sent to BNPL providers. However, the customer email address is hashed using SHA512 hashing algorithm & the hash value is stored as a unique identifier for each customer.

All Payment modes can store non-sensitive customer data in Magento's backend including full name, email, shipping details & order history, so you can easily keep track of your customers & sales.

Technical Specifications

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Seller profile


Seller contact


Current Version


Adobe Commerce platform compatibility

Open Source (CE): 2.4 (current), 2.3 (obsolete)

Commerce on prem (EE): 2.4 (current), 2.3 (obsolete)

Commerce on Cloud (ECE): 2.4 (current), 2.3 (obsolete)


Stable Build


25 November, 2022


Extensions, Payments & Security, Payment Integration


Installation Guides

License Type

GNU General Public License 3.0 (GPL-3.0)


Privacy Policy

Quality Report

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Installation & Varnish Tests


Coding Standard


Plagiarism Check


Malware Check


Marketing Review


Manual Testing


All tests were conducted on the latest versions of Adobe Commerce that existed for the compatible release lines at the moment of the extension submission. Latest versions of all other software were used, as applicable.

Release Notes

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  • Compatible with Open Source (CE) : 2.3 2.4
  • Compatible with Commerce on prem (EE) : 2.3 2.4
  • Compatible with Commerce on Cloud (ECE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    Compatibility changes to support latest version of Magento.


  • Compatible with Open Source (CE) : 2.3 2.4
  • Compatible with Commerce on prem (EE) : 2.3 2.4
  • Compatible with Commerce on Cloud (ECE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    Added Dynamic Return URL
    Added Create Order Options
    Widget Refresh bug fixes


  • Compatible with Open Source (CE) : 2.3 2.4
  • Compatible with Commerce on prem (EE) : 2.3 2.4
  • Compatible with Commerce on Cloud (ECE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    Minor bugs fixed
    Dynamic Return URL option added in setting
    Create Order Pre Payment / Post Payment features added


  • Compatible with Open Source (CE) : 2.3 2.4
  • Compatible with Commerce on prem (EE) : 2.3 2.4
  • Compatible with Commerce on Cloud (ECE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    Review the code to be compatible with Commerce ver.


  • Compatible with Open Source (CE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    1.2.0 - updating composer & remove guzzle http


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The best place to start if you need help with a specific extension is to contact the developer. All Adobe Commerce developers have both a contact email and a support email listed.

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Q & A

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