DivideBuy: Spread The Cost vs TryOnify: Try Before You Buyfor Shopify (2026)
DivideBuy: Spread The Cost and TryOnify: Try Before You Buy represent fundamentally different approaches to influencing customer purchasing behavior. DivideBuy focuses on increasing affordability by offering installment-based payment plans, appealing to customers who might otherwise be unable to make a purchase due to cost. It positions itself as a solution to improve conversion rates by making products more accessible through credit, emphasizing instant lending decisions and soft credit checks. The target merchant would likely be one selling higher-priced items where financing options are commonly offered. TryOnify, conversely, aims to overcome buyer hesitation by allowing customers to try a product before committing to a purchase. It emphasizes risk reduction for the customer, encouraging larger and more frequent purchases through a 'Try Now, Pay Later' model. This is pitched as a less predatory alternative to BNPL, focusing on building trust and customer satisfaction.
At a Glance
DivideBuy: Spread The Cost
0 reviews
TryOnify: Try Before You Buy
4 reviews
Detailed Overview
DivideBuy: Spread The Cost
DivideBuy offers your customers a quick and simple way to spread the cost on what they love.
Key Features
- Customers can be approved for credit without manual underwriting.
- Soft Search: check borrowing eligibility for the value of the customer order
- Convert+: view credit instalment amounts for spreading the cost of a purchase
TryOnify: Try Before You Buy
Provide customers with a free trial shopping experience in minutes.
Key Features
- Quick & easy setup
- No usage-based tax that eats into your profits
- Automatic payment collection when the trial ends
- Automatic credit card authorizations to ensure payment on time
- Reauthorize credit cards for longer trial periods
Feature Comparison
| Rating | 0/5 | 5/5 |
Rating DivideBuy: Spread The Cost0/5 TryOnify: Try Before You Buy5/5 | ||
| Reviews | 0 | 4 |
Reviews DivideBuy: Spread The Cost0 TryOnify: Try Before You Buy4 | ||
| Payment Model | Buy Now, Pay Later (Installments) | Try Now, Pay Later (Deferred Payment) |
Payment Model DivideBuy: Spread The CostBuy Now, Pay Later (Installments) TryOnify: Try Before You BuyTry Now, Pay Later (Deferred Payment) | ||
| Risk for Customer | Credit check required; potential impact on credit score | Low risk; payment deferred until trial end |
Risk for Customer DivideBuy: Spread The CostCredit check required; potential impact on credit score TryOnify: Try Before You BuyLow risk; payment deferred until trial end | ||
| Target Merchant | High-value products; items customers may finance | Products where trial period is beneficial; products where returns are common |
Target Merchant DivideBuy: Spread The CostHigh-value products; items customers may finance TryOnify: Try Before You BuyProducts where trial period is beneficial; products where returns are common | ||
| Key Benefit | Increased affordability; higher conversion rates | Reduced buyer hesitation; increased order value |
Key Benefit DivideBuy: Spread The CostIncreased affordability; higher conversion rates TryOnify: Try Before You BuyReduced buyer hesitation; increased order value | ||
| Setup Complexity (implied) | Potentially higher due to credit approval integration | Quick & Easy Setup mentioned |
Setup Complexity (implied) DivideBuy: Spread The CostPotentially higher due to credit approval integration TryOnify: Try Before You BuyQuick & Easy Setup mentioned | ||
| Payment Assurance | Customer credit approval dependent | Automatic credit card authorization for payment |
Payment Assurance DivideBuy: Spread The CostCustomer credit approval dependent TryOnify: Try Before You BuyAutomatic credit card authorization for payment | ||
Our Verdict
The choice between DivideBuy and TryOnify depends heavily on the merchant's product category and target audience. DivideBuy is best suited for merchants selling products with higher price points, where offering payment plans is a common strategy to increase sales. This could include furniture, electronics, or other big-ticket items. TryOnify is more appropriate for merchants selling products where customers may be hesitant to purchase without trying them first, such as clothing, cosmetics, or subscription boxes.
Given the current rating and lack of reviews for DivideBuy, TryOnify appears to be the more established and reliable option at this time. However, merchants should carefully evaluate both apps' features and benefits in the context of their specific business needs and conduct further due diligence as DivideBuy matures and gains traction.
Common Questions
Which app requires a credit check for customers?
DivideBuy indicates a soft credit check is performed to determine borrowing eligibility. TryOnify does not mention credit checks, as payment is deferred and secured by card authorization, not a loan.
Which app is better for reducing cart abandonment?
Both apps aim to reduce cart abandonment, but through different mechanisms. DivideBuy does this by making products more affordable via installments. TryOnify tackles hesitation by removing the immediate financial commitment with a trial period.
Which app is easier to set up?
TryOnify explicitly mentions 'Quick & easy setup,' implying a simpler integration process compared to DivideBuy, which involves credit approvals.
Which app carries the risk of non-payment?
Both carry risk, but in different forms. DivideBuy's risk is tied to customer creditworthiness and their ability to repay the installments. TryOnify's risk lies in potential card authorization failures or chargebacks at the end of the trial, which they attempt to mitigate with reauthorizations.
Are both of these apps considered 'Buy Now Pay Later'?
While TryOnify mentions BNPL, it markets itself as distinct, offering a 'Try Now, Pay Later' approach that it claims avoids the risks of 'predatory microlending'. DivideBuy aligns more closely with the traditional BNPL model by offering installment plans.
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