Payment Methods / Buy now, pay later
Payment method
Accept Buy Now, Pay Later (BNPL)
Let customers split a purchase into installments — you get paid in full, upfront.
What is Buy Now, Pay Later (BNPL)?
Buy Now, Pay Later lets a customer split a purchase into a few interest-free installments while the merchant is paid the full amount right away. The BNPL provider takes on the repayment and credit risk, in exchange for a fee.
Why accept Buy Now, Pay Later (BNPL)?
- Higher conversion and larger average orders, especially on bigger tickets
- You're paid in full upfront — the provider carries the repayment risk
- Appeals strongly to younger shoppers who avoid credit cards
- Turns a "too expensive" hesitation into a completed sale
How to accept Buy Now, Pay Later (BNPL) with Xray Payment
We can integrate BNPL options like Klarna and Afterpay into your online checkout so the option appears at the point of sale. Tell us your platform and average ticket and we'll recommend a fit.
Get set up →Related — Buy now, pay later