Katapult review
A focused lease-to-own option for US ecommerce and in-store checkout.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Katapult is a lease-to-own payment platform for merchants serving consumers who may not qualify for traditional financing. It supports online checkout financing and in-store checkout through a web-based merchant portal. Consumers can use scheduled payments for durable goods such as furniture, electronics, appliances, and automotive products, with options to purchase or return items during the lease term. Its consumer coverage includes 46 US states and the District of Columbia, while merchants can access the platform through the web or API.
For ecommerce teams, Katapult offers several routes into the existing commerce stack. Direct API integration supports a custom implementation, while plugins and extensions connect with Magento, Shopify, WooCommerce, and Salesforce Commerce Cloud. The merchant portal adds lease management, order funding, delivery-date tracking, and visibility into lease activity. Checkout is omnichannel, and payment schedules can be weekly, bi-weekly, semi-monthly, or monthly, giving merchants multiple repayment structures to present to eligible consumers.
Katapult’s focus is narrower than a general-purpose payment platform: it is built around lease-to-own financing rather than a broad set of BNPL structures. Merchant pricing follows a contact-sales model, so teams evaluating costs will need to engage with the company directly. The platform may suit businesses that want lease financing across online and in-store channels, real-time approval decisions, and next-day merchant settlement. It is less suitable for merchants seeking a simple fixed-price subscription, broader consumer-region coverage, or a payment product without a lease-to-own model.
Katapult pros and cons
- Where it wins
- Supports online and in-store checkout financing
- Connects with Magento, Shopify, WooCommerce, and Salesforce Commerce Cloud
- Offers real-time approvals and next-day merchant settlement
- Where it doesn't
- Merchant pricing uses a contact-sales model
- Consumer availability covers 46 states and the District of Columbia
- Lease-to-own schedules may not suit every BNPL use case
Katapult fact sheet, pricing and score →
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