CoverPay
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CoverPay Documentation

CoverPay is a BNPL aggregator that gives your customers access to Klarna, Affirm, Afterpay, PayPal Pay Later, Sezzle, and Zip through a single integration. One SDK, one API, seven providers.

Using an AI coding tool?

Point it at /llms.txt, or give it the whole integration in one file: /llms-full.txt. The API is described in openapi.yaml (OpenAPI 3.1).

Every guide is also plain Markdown: quickstart, SDKs, webhooks, errors, sandbox.

Quickstart

Install the SDK and open your first checkout in under 5 minutes.

CoverPay Link

Drop-in checkout modal — like Plaid Link, but for BNPL.

API Reference

Full endpoint documentation — offers, sessions, eligibility, webhooks.

Sandbox

Test credentials, simulated providers, and debugging tools.

Senior Dev QA

Step-by-step API + SDK validation checklist for technical review.

How CoverPay Works

1
Your app opens CoverPay Link
The drop-in checkout modal presents all available BNPL options to your customer.
2
Smart router selects the best provider
CoverPay scores each provider by availability, APR, approval likelihood, and your preferences.
3
Customer selects a plan
Pay in 4, monthly installments, or a custom schedule — whatever the provider offers.
4
You receive a payment token
Use the token server-side to confirm the order. Webhooks notify you of payment events.

Supported Providers

ProviderPay in 4MonthlyMinMax
CoverPayYesYes$10$500
KlarnaYesYes$35$1,500
AffirmNoYes$50$17,500
AfterpayYesNo$1$2,000
PayPal Pay LaterYesYes$30$1,500
SezzleYesNo$10$2,500
ZipYesYes$35$5,000

SDKs & Libraries

JavaScriptStable
@coverpay/sdk
ReactStable
@coverpay/react
iOS / SwiftBeta
CoverPaySDK
REST APIStable
api.coverpayme.com/v1

Ready to integrate?

Start with the Quickstart to have a working checkout in under 5 minutes, or explore the API Reference for server-to-server integration.

Get StartedAPI Reference