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Setting Up Buy Now Pay Later (BNPL) for Online Store Sales
Offer Klarna, Affirm, or Afterpay/Clearpay at checkout to boost conversions. BNPL in BizStackPro is powered by Stripe and currently applies to online store purchases.
Offering Flexible Payments Without Breaking Your Checkout Flow
When customers hesitate at checkout due to price, offering flexible payment options can help them move forward with the purchase.
Buy Now Pay Later (BNPL) allows customers to split payments over time while you still receive payment through your connected provider.
Without proper setup, these options may not appear at checkout or may not work correctly based on region or product settings.
This guide will walk you through how to enable and configure BNPL so it fits into your store and improves the checkout experience.
To begin, review the requirements and eligibility needed before enabling BNPL in your store.
Requirements & Eligibility
- Stripe required: Stripe must be connected as your payment provider.
- Online store only: BNPL is supported for online store checkouts (not other checkout channels).
- Region limits: Availability depends on your country/region and Stripe support.
- Business category rules: Your business category/MCC must be eligible per provider rules.
Example transaction ranges (USD)
- Affirm: $50 – $30,000
- Afterpay/Clearpay: $1 – $4,000
- Klarna: $10 – $5,000 (varies by customer)
Limits vary by provider and country—treat these as examples, not guarantees.
Step 1: Enable BNPL in Stripe
- Go to Payments → Integrations → Stripe.
- Open Manage Payment Methods.
- Toggle on Affirm, Klarna, and/or Afterpay/Clearpay.
If a method won’t activate: It’s usually a region, business category, or Stripe eligibility limitation. Confirm your Stripe account meets the requirements for that BNPL provider.
Step 2: Prepare Your Products
- Go to Payments → Products and add or edit the items you want to sell.
- Inside each product, enable Include in Online Store.
- Save your changes.
Follow along: If BNPL doesn’t show at checkout, the first thing to confirm is that each product is toggled to Include in Online Store.
Step 3: Set Up Your Online Store
BNPL appears during online store checkout, so you’ll need a store experience (product list → cart → checkout) in place.
- Method 1: Sites → Websites → create/edit a website → open the editor → + → add a Store element.
- Method 2: Sites → Stores → create a store from scratch or choose a template.
Tip: After enabling BNPL, run a quick test checkout to confirm the payment options are visible and the order completes correctly.
Benefits of Offering BNPL
- Higher conversions: Payment flexibility reduces friction for price-sensitive buyers.
- Higher AOV: Installments can make larger carts feel more manageable.
- Better customer experience: More ways to pay can improve satisfaction and repeat purchases.
Troubleshooting Checklist
- Confirm Stripe is connected and the BNPL provider is enabled in Manage Payment Methods.
- Verify your region, business category, and cart total meet the provider’s min/max limits.
- Ensure each product is toggled to Include in Online Store.
- Save and publish your store pages so live checkout reflects your latest settings.
Want more conversions without rebuilding your checkout?
BNPL can reduce purchase hesitation—especially on higher-ticket carts—while Stripe handles the provider side.
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Frequently Asked Questions
What do I need to use BNPL in my store?
You must use Stripe as your payment provider, and BNPL is supported for online store checkouts.
Which BNPL providers can I enable?
You can enable Affirm, Klarna, and Afterpay/Clearpay based on regional and business eligibility.
Where do I enable BNPL?
Go to Payments → Integrations → Stripe → Manage Payment Methods, then toggle on the providers you want.
Do products need to be included in my online store?
Yes. Open each product in Payments → Products and enable Include in Online Store.
Are there transaction limits?
Yes—each provider has min/max limits that vary by country and customer eligibility (example ranges: Affirm $50–$30k; Afterpay $1–$4k; Klarna $10–$5k).
Offer BNPL at Checkout (Powered by Stripe)
Enable the providers you qualify for, include your products in the online store, and publish your store pages. Then customers can choose a pay-over-time option right at checkout.
More flexibility. Fewer abandoned carts.
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