Synchrony is a Shopify app developer that makes Synchrony On‑Site Messaging, a payment experience app on the Shopify App Store. It provides credit cards, financing, banking, marketplace, and payment solutions. Among the 15,394 Shopify brands over $5M that dtcmvp tracks, 69 (0.4%) run Synchrony On‑Site Messaging, #4 of 55 payment experience apps by that count. Its share is highest among Arts, Crafts & Hobbies (2.2%), Home & Living (1.2%) and Sports & Outdoors (0.8%) brands. It is rated 4 out of 5 from 1 review on the Shopify App Store. Synchrony On‑Site Messaging has 1 plan on the Shopify App Store, at no charge.
Overview
Synchrony sells consumer financing and banking products, including credit cards, Pay Later loans, CareCredit healthcare financing and savings products. For merchants, it offers financing programs that let customers pay for purchases over time, with the aim of attracting more customers and increasing sales. Its Shopify App Store listing, Synchrony On-Site Messaging, is described as a way to add financing options to a store.
For Shopify brands
- The Synchrony On-Site Messaging app adds financing options to a Shopify store, and it has a free plan.
- Customers can pay for purchases over time through Synchrony Pay Later in equal payments, or through branded and network credit cards.
- Partner tools include a Business Center to manage a financing program and an Advertising Center to create and manage ads.
How it works
A customer picks a financing option, applies (some options offer a prequalification check first) and, once approved, uses the card or loan to buy. They then repay the borrowed amount and any interest under the agreement's terms.
- Pricing
- The Synchrony On‑Site Messaging app has a free plan.
Products
- Synchrony On‑Site Messaging Shopify app that adds financing options to a store to help increase sales.
- Synchrony Pay Later Buy now, pay later loans for purchases paid off in predictable equal payments.
- CareCredit Health and wellness credit card with flexible financing, accepted at 270,000+ locations.
- Commercial Credit Cards Business credit cards to manage funding to help grow a business.
- Synchrony Network Cards Credit cards such as Synchrony HOME and Synchrony Car Care for use at many retailers.
- Synchrony Business Solutions Partner tools for businesses, listed with eCommerce Partner Center and Advertising Center.
Buyer notes
- Shopify App Store category for Synchrony On‑Site Messaging: Selling products.
- Partners can use a Business Center to manage their financing program and an Advertising Center to create and manage ads.
- Healthcare providers can use the CareCredit Provider Center to manage their healthcare financing program.
- Credit offers are subject to credit approval and cannot be combined.
From Synchrony's own site and Shopify App Store listings, as of 2026-10-30.
Among Shopify brands over $5M
Share of each sector's brands running it, where that beats the overall rate.
On the Shopify App Store
Synchrony On‑Site Messaging
4.0 · 1 reviewFree planOn 0.4% of brands over $5MLaunched 2022Payment experienceSeamlessly integrate financing options to help increase sales and maximize purchasing power.
Pricing
FreeFree
Ratings, reviews, plans, prices and descriptions as the Shopify App Store lists them. how we count.
Alternatives to Synchrony
The most used payment experience apps among Shopify brands over $5M.
| App | Brands over $5M | App Store |
|---|---|---|
| Afterpay On‑Site Messaging · Afterpay | 1.6% | 3.1 · 55 |
| Flex | 1.1% | 5.0 · 7 |
| Bread Pay Messaging · Bread Finance | 0.7% | 4.3 · 3 |
| Clearpay On‑Site Messaging · Afterpay | 0.3% | — |
| SPD Split Payment & Deposit · FINLOOP SOLUTIONS LLC | 0.3% | 4.8 · 145 |
| Deposit & Partial Payment Depo · Sidepanda Services LLP | 0.2% | 4.4 · 98 |
Often used with Synchrony
What its brands run more often than Shopify brands over $5M do overall.
- Affirm pay‑over‑time messaging40.6% of its brands · 5.7x average
- Hulk Contact Form Builder18.8% of its brands · 2.7x average
- Shopify Inbox20.3% of its brands · 1.9x average
- Accessibly14.5% of its brands · 1.3x average
What Shopify apps does Synchrony make?
Synchrony has 1 app on the Shopify App Store: Synchrony On‑Site Messaging.
How many Shopify brands use Synchrony?
Among the 15,394 Shopify brands over $5M that dtcmvp tracks, 69 (0.4%) run Synchrony On‑Site Messaging, #4 of 55 payment experience apps by that count. Its share is highest among Arts, Crafts & Hobbies (2.2%), Home & Living (1.2%) and Sports & Outdoors (0.8%) brands.
What are the alternatives to Synchrony?
The most used payment experience apps among Shopify brands over $5M, after Synchrony: Afterpay On‑Site Messaging (1.6%), Flex (1.1%), Bread Pay Messaging (0.7%), Clearpay On‑Site Messaging (0.3%), SPD Split Payment & Deposit (0.3%) and Deposit & Partial Payment Depo (0.2%).
What do Synchrony's brands use alongside it?
Of the brands running Synchrony, 40.6% also run Affirm pay‑over‑time messaging, 18.8% also run Hulk Contact Form Builder, 20.3% also run Shopify Inbox and 14.5% also run Accessibly. Each is at least 1.3 times as common among them as across all brands over $5M.
How is Synchrony On‑Site Messaging rated?
Synchrony On‑Site Messaging is rated 4 out of 5 from 1 review on the Shopify App Store.
How much does Synchrony cost?
Synchrony On‑Site Messaging has 1 plan on the Shopify App Store, at no charge. Synchrony On‑Site Messaging: Free, Free.