ABA PayWay vs Pay Later, Split Pay ‑ Cypherfor Shopify (2026)
ABA PayWay and Pay Later, Split Pay ‑ Cypher both aim to improve the checkout experience on Shopify, but cater to vastly different needs. ABA PayWay focuses on enabling specific payment methods popular in Cambodia, while Pay Later, Split Pay ‑ Cypher offers flexible payment options like installments and deferred payments, useful for high-value items or pre-orders. ABA PayWay is specifically built for merchants who need to process local and cross-border payments using Cambodian financial institutions and popular e-wallets. Pay Later, Split Pay ‑ Cypher, on the other hand, targets merchants looking to increase their Average Order Value (AOV) by providing flexible payment plans that allow customers to purchase more expensive items or pre-order goods without paying the full amount upfront. The main difference lies in their target regions and core functionalities. ABA PayWay is a payment gateway solution tailored to the Cambodian market, integrating directly with ABA Bank and supporting regional payment methods. Pay Later, Split Pay ‑ Cypher provides tools for managing payment plans and automating payment reminders, applicable to a broader range of businesses selling higher-priced items or pre-orders. While both have perfect 5-star ratings, Pay Later, Split Pay ‑ Cypher benefits from a significantly larger number of reviews, providing slightly more confidence in its performance and reliability in 2026.
At a Glance
ABA PayWay
1 reviews
Pay Later, Split Pay ‑ Cypher
7 reviews
Detailed Overview
ABA PayWay
Cambodia's trusted payment solution by ABA Bank
Key Features
- Great Checkout Experience: Allow your clients to experience convenient checkout.
- Multiple payment methods, including ABA KHQR, Visa, Mastercard, UPI, JCB, WeChat
- All payments are settled directly to your ABA Bank account.
- Secure transactions with data encryption, 3DS 2.0 protocol, PCI DSS compliance
- Optimized for merchants in Cambodia, and supports local and cross-border payment
Pay Later, Split Pay ‑ Cypher
Partial, Split, Deposits, Pay Later, NET30, Pre Order pay options with card on file. COD Supported
Key Features
- Deferred, Partial, Split, Deposits, Pay Later, COD or NET30 payment options
- Payment options on Product (Deposit on Products) or cart page (Deposit on total)
- Charge customer their balance on their card before shipping or on due date
- One click setup. Can be managed from theme customize. Support all languages
- Streamline COD Orders with our app and Minimize Your RTO!
Feature Comparison
| Rating | 5/5 | 5/5 |
Rating ABA PayWay5/5 Pay Later, Split Pay ‑ Cypher5/5 | ||
| Reviews | 1 | 7 |
Reviews ABA PayWay1 Pay Later, Split Pay ‑ Cypher7 | ||
| Target Market | Merchants in Cambodia | Merchants selling high-value items or pre-orders |
Target Market ABA PayWayMerchants in Cambodia Pay Later, Split Pay ‑ CypherMerchants selling high-value items or pre-orders | ||
| Primary Function | Payment gateway integration with ABA Bank (Cambodia) | Flexible payment plans (split pay, pay later, deposits) |
Primary Function ABA PayWayPayment gateway integration with ABA Bank (Cambodia) Pay Later, Split Pay ‑ CypherFlexible payment plans (split pay, pay later, deposits) | ||
| Supported Payment Methods | ABA Mobile, KHQR, Visa, Mastercard, UPI, JCB, WeChat Pay | Card on file, COD |
Supported Payment Methods ABA PayWayABA Mobile, KHQR, Visa, Mastercard, UPI, JCB, WeChat Pay Pay Later, Split Pay ‑ CypherCard on file, COD | ||
| Ease of Use (Implied) | Likely simple integration focused on payment gateway | Theme customization management, One click setup |
Ease of Use (Implied) ABA PayWayLikely simple integration focused on payment gateway Pay Later, Split Pay ‑ CypherTheme customization management, One click setup | ||
| Value Proposition | Trusted, secure payments in Cambodia; optimized for local and cross-border transactions. | Increased AOV, sales, and customer loyalty through flexible payment options. |
Value Proposition ABA PayWayTrusted, secure payments in Cambodia; optimized for local and cross-border transactions. Pay Later, Split Pay ‑ CypherIncreased AOV, sales, and customer loyalty through flexible payment options. | ||
| Payment Settlement | Directly to ABA Bank account | Through existing Shopify Payment gateways (charges card on file) |
Payment Settlement ABA PayWayDirectly to ABA Bank account Pay Later, Split Pay ‑ CypherThrough existing Shopify Payment gateways (charges card on file) | ||
Our Verdict
Choosing between ABA PayWay and Pay Later, Split Pay ‑ Cypher depends heavily on the merchant's specific needs. If the business operates primarily in Cambodia and needs to accept local payment methods like ABA Mobile and KHQR, then ABA PayWay is the clear choice. Its direct integration with ABA Bank provides a trusted and secure payment processing solution for the Cambodian market.
On the other hand, if the merchant sells high-value items, made-to-order products, or pre-orders and wants to increase sales by offering flexible payment options, then Pay Later, Split Pay ‑ Cypher is the better solution. Its support for split payments, deposits, and deferred payment options allows customers to purchase items they might not otherwise be able to afford, leading to higher sales and increased customer loyalty.
Common Questions
Which app is easier to set up?
Based on the available information, Pay Later, Split Pay ‑ Cypher advertises a 'One click setup,' suggesting potentially faster and easier initial configuration compared to ABA PayWay, which doesn't explicitly mention setup complexity.
Can I use both apps on my Shopify store?
Potentially, yes. You could use ABA PayWay for standard payment processing in Cambodia and Pay Later, Split Pay ‑ Cypher to offer payment plans on high-value items to customers globally. However, compatibility and integration need careful consideration.
Which app is better for international sales?
While ABA PayWay supports 'local and cross-border payments,' it is primarily optimized for Cambodia. Pay Later, Split Pay ‑ Cypher, is likely more suitable for attracting international customers who might be hesitant to purchase high-value items without flexible payment plans. However, transaction fees from your primary payment gateway will apply.
Which app is more secure?
ABA PayWay highlights security features like 'data encryption, 3DS 2.0 protocol, PCI DSS compliance,' suggesting robust security measures for payment processing. Pay Later, Split Pay ‑ Cypher implicitly relies on the security of the underlying payment gateway when charging cards on file.
What are the key benefits of using ABA PayWay over other payment gateways in Cambodia?
ABA PayWay offers a direct integration with ABA Bank, a trusted financial institution in Cambodia. This integration provides access to popular local payment methods like ABA Mobile and KHQR, making it easier for Cambodian customers to pay and builds trust.
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