{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":["cards","card"]},"type":"markdown"},"seo":{"title":"Buy Now, Pay Later","description":"Accept Buy Now, Pay Later payment methods with Finix. Let buyers pay in installments while you get paid upfront.","siteUrl":"https://docs.finix.com/","llmstxt":{"hide":false,"sections":[{"title":"Getting Started","includeFiles":["guides/getting-started/**/*.md"],"excludeFiles":[]},{"title":"Online Payments","includeFiles":["guides/online-payments/**/*.md"],"excludeFiles":["guides/online-payments/payment-features/fsa-hsa-non-healthcare-mcc.md"]},{"title":"In-Person Payments","includeFiles":["guides/in-person-payments/**/*.md"],"excludeFiles":[]},{"title":"Subscriptions","includeFiles":["guides/subscriptions/**/*.md"],"excludeFiles":[]},{"title":"After the Payment","includeFiles":["guides/subscriptions/after-the-payment/**/*.md"],"excludeFiles":[]},{"title":"Managing Operations","includeFiles":["guides/managing-operations/**/*.md"],"excludeFiles":[]},{"title":"Platform Payments","includeFiles":["guides/platform-payments/**/*.md"],"excludeFiles":[]},{"title":"Payouts","includeFiles":["guides/payouts/**/*.md"],"excludeFiles":[]},{"title":"Developers","includeFiles":["additional-resources/developers/**/*.md"],"excludeFiles":[]},{"title":"Plugins","includeFiles":["additional-resources/plugins/**/*.md"],"excludeFiles":[]},{"title":"Industry Considerations","includeFiles":["guides/industry-considerations/**/*.md"],"excludeFiles":[]},{"title":"Regional Considerations","includeFiles":["guides/regional-considerations/**/*.md"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"buy-now-pay-later","__idx":0},"children":["Buy Now, Pay Later"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Buy Now, Pay Later (BNPL) payment methods let buyers split their purchase into installments over time, while merchants are paid immediately and in full. Offering BNPL at checkout can increase conversion rates, boost average order values, and reduce cart abandonment."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Finix supports the following BNPL providers:"]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Provider"},"children":["Provider"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Repayment Options"},"children":["Repayment Options"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Availability"},"children":["Availability"]},{"$$mdtype":"Tag","name":"th","attributes":{"data-label":"Recurring Payments"},"children":["Recurring Payments"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/guides/online-payments/buy-now-pay-later/afterpay"},"children":["Afterpay"]}]}]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["Pay-in-4 (interest-free installments)"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["US merchants, USD transactions"]},{"$$mdtype":"Tag","name":"td","attributes":{},"children":["No (one-time payments only)"]}]}]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"why-offer-bnpl","__idx":1},"children":["Why Offer BNPL?"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"increase-average-order-value","__idx":2},"children":["Increase Average Order Value"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["BNPL options encourage buyers to make larger purchases by spreading payments over time. Merchants that offer installment payments at checkout typically see higher average order values."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"reduce-cart-abandonment","__idx":3},"children":["Reduce Cart Abandonment"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Price is a leading cause of cart abandonment. BNPL removes the friction of paying the full amount upfront, helping more buyers complete their purchase."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"get-paid-upfront","__idx":4},"children":["Get Paid Upfront"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["With BNPL, merchants receive the full payment amount immediately. The BNPL provider handles collecting installment payments from the buyer and absorbs the credit and fraud risk."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"reach-more-buyers","__idx":5},"children":["Reach More Buyers"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["BNPL appeals to buyers who prefer not to use traditional credit or who want to manage cash flow across installments. Offering BNPL at checkout gives these buyers a payment option they trust."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"how-it-works","__idx":6},"children":["How It Works"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The buyer selects a BNPL payment method at checkout."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The buyer is guided through the BNPL provider's authorization flow to review and confirm their installment plan."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Once approved, Finix creates a payment instrument and processes the transaction."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The merchant receives the full payment amount. The BNPL provider collects installments from the buyer over time."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"available-providers","__idx":7},"children":["Available Providers"]},{"$$mdtype":"Tag","name":"Cards","attributes":{"columns":3,"cardMinWidth":180},"children":[{"$$mdtype":"Tag","name":"Card","attributes":{"title":"Afterpay","icon":"/images/icons/link.svg","iconRawContent":"<svg xmlns=\"http://www.w3.org/2000/svg\" viewBox=\"0 0 640 512\"><!--!Font Awesome Free 6.7.2 by @fontawesome - https://fontawesome.com License - https://fontawesome.com/license/free Copyright 2025 Fonticons, Inc.--><path d=\"M579.8 267.7c56.5-56.5 56.5-148 0-204.5c-50-50-128.8-56.5-186.3-15.4l-1.6 1.1c-14.4 10.3-17.7 30.3-7.4 44.6s30.3 17.7 44.6 7.4l1.6-1.1c32.1-22.9 76-19.3 103.8 8.6c31.5 31.5 31.5 82.5 0 114L422.3 334.8c-31.5 31.5-82.5 31.5-114 0c-27.9-27.9-31.5-71.8-8.6-103.8l1.1-1.6c10.3-14.4 6.9-34.4-7.4-44.6s-34.4-6.9-44.6 7.4l-1.1 1.6C206.5 251.2 213 330 263 380c56.5 56.5 148 56.5 204.5 0L579.8 267.7zM60.2 244.3c-56.5 56.5-56.5 148 0 204.5c50 50 128.8 56.5 186.3 15.4l1.6-1.1c14.4-10.3 17.7-30.3 7.4-44.6s-30.3-17.7-44.6-7.4l-1.6 1.1c-32.1 22.9-76 19.3-103.8-8.6C74 372 74 321 105.5 289.5L217.7 177.2c31.5-31.5 82.5-31.5 114 0c27.9 27.9 31.5 71.8 8.6 103.9l-1.1 1.6c-10.3 14.4-6.9 34.4 7.4 44.6s34.4 6.9 44.6-7.4l1.1-1.6C433.5 260.8 427 182 377 132c-56.5-56.5-148-56.5-204.5 0L60.2 244.3z\"/></svg>","imagePosition":"start","iconPosition":"auto","layout":"vertical","align":"start","variant":"outlined","to":"/guides/online-payments/buy-now-pay-later/afterpay"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Let buyers pay in 4 interest-free installments. Available for US merchants processing USD transactions."]}]}]}]},"headings":[{"value":"Buy Now, Pay Later","id":"buy-now-pay-later","depth":1},{"value":"Why Offer BNPL?","id":"why-offer-bnpl","depth":2},{"value":"Increase Average Order Value","id":"increase-average-order-value","depth":3},{"value":"Reduce Cart Abandonment","id":"reduce-cart-abandonment","depth":3},{"value":"Get Paid Upfront","id":"get-paid-upfront","depth":3},{"value":"Reach More Buyers","id":"reach-more-buyers","depth":3},{"value":"How It Works","id":"how-it-works","depth":2},{"value":"Available Providers","id":"available-providers","depth":2}],"frontmatter":{"seo":{"title":"Buy Now, Pay Later","description":"Accept Buy Now, Pay Later payment methods with Finix. Let buyers pay in installments while you get paid upfront."},"keywords":{"includes":["Buy Now Pay Later","BNPL","Afterpay","installments"],"excludes":["Cash App Pay","digital wallets"]}},"lastModified":"2026-04-09T19:12:54.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/guides/online-payments/buy-now-pay-later","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}