Buy now pay later

Buy now pay later methods let customers pay in installments over time. You’re paid immediately and in full and your customers pay nothing or a portion of the total at purchase time. Buy now pay later methods are often used by:

• Retailers selling high value goods like mattresses or luxury items.
• Retailers selling low value goods that want to increase average cart size and reach new customers.

Buy now pay later methods may not be a good fit for your business if:

• You sell software or services. Buy now pay later methods typically only support physical consumer products purchases.
• You’re sensitive to cost. Buy now pay later methods charge higher payment fees.

Payment experience

At checkout, the customer chooses to pay in installments using a buy now pay later method. The customer is redirected to the buy now pay later method’s site or app to create an account or log in. They can accept or decline the terms of the repayment plan and return to your checkout flow.

Product support

Payment method	Customer country	PaymentIntents	Checkout	Connect	Invoicing	Subscriptions
Klarna	Austria, Belgium, Denmark, Finland, Germany, Italy, Netherlands, Norway, Spain, Sweden, United Kingdom, United States	No	No		No	No
Afterpay / Clearpay	Australia, New Zealand, United Kingdom, United States				No	No