For Shopify, WooCommerce & custom checkouts

Recover the basket they almost bought.

Otterpay adds one button to your checkout. When a student can't quite afford it, they pass the basket to a parent or friend — who pays you directly. You get the sale, they get the gift.

Get early access →See the integration

69.8%

of carts abandoned by Gen-Z shoppers (Baymard, 2024)

+18%

recovered baskets in pilot merchant data

1.5%

flat fee per recovered basket

Integration

30 minutes from sign-up to first basket recovered.

Tell us your store, your average order value, and your checkout stack. We'll send API keys within 48h.

Drop in the button

Add one component or one script tag. Works alongside Stripe, Klarna, Apple Pay — doesn't replace them.

Capture funds on confirm

When the payer confirms, we trigger your normal payment flow. The customer sees a standard order confirmation.

Drop-in component

One line of code. Same UX as Klarna.

Render the Otterpay button anywhere on your payment step. We handle the modal, the friend picker, the payer alert, and the webhook back to your server when funds clear.

TypeScript + React SDK, ESM build
Plain JS / script tag for Shopify Liquid & WooCommerce
Webhook signatures via HMAC-SHA256
Sandbox keys for instant testing

// checkout.tsx

import { OtterpayButton } from "@otterpay/sdk-react";

<OtterpayButton
  publicKey={process.env.OTTERPAY_KEY}
  basket={cart.items}
  amount={cart.total}
  currency="GBP"
  onSuccess={(req) => {
    analytics.track("otterpay_request_sent", req)
    router.push("/order/pending")
  }}
/>

// /api/webhooks/otterpay.ts

POST { event: "request.paid",
       request_id, amount, basket_id }

→ verify HMAC signature
→ capture payment with Stripe
→ create order, ship goods

Why merchants choose Otterpay

A new revenue channel, not a payment provider switch.

Recover lost Gen-Z baskets

The #1 reason students abandon checkout is price. Otterpay turns a 'no' into a 'maybe my mum will'.

Same settlement as your card processor

Otterpay doesn't hold funds. Money moves from the payer to your Stripe/Adyen exactly like a card payment.

Free organic marketing

Every payer sees your brand, your basket and your name. Half become first-time customers within 30 days.

FAQ

Questions we get from merchants.

How does the payer actually pay?+

They get an SMS/email link to a hosted Otterpay page. They review the itemised basket, hit pay, and complete checkout with card or Apple/Google Pay. No app download required.

What if the payer never pays?+

The request expires after 24 hours. The basket is held but no charge is made. You can configure auto-cancel or auto-revert to a standard checkout offer.

What about chargebacks and fraud?+

The payer is the actual cardholder, so liability sits with them — same as any card-not-present transaction. Otterpay screens for unusual patterns and rate-limits new accounts.

Do you take possession of funds?+

No. We're a checkout facilitator, not a money transmitter. Funds settle directly to your existing payment processor. This is what keeps fees at 1.5% instead of 3–4%.

What platforms do you support today?+

Pilot integrations live for Shopify and custom React/Next checkouts. WooCommerce, Magento and BigCommerce are on the Q1 roadmap.

Get early access

Be one of our first 10 merchants.

Pilot merchants get white-glove integration, custom branded modal, and zero fees for the first 90 days. We're prioritising stores with strong Gen-Z appeal.