Buy now, pay later (BNPL) gives your customers more flexibility by letting them split an eligible purchase into smaller payments. You receive the purchase amount upfront, minus applicable fees, while the BNPL provider collects repayments from your customers.

In this article, you'll learn how to enable Buy now, pay later (BNPL) for your members.

Buy now, pay later (BNPL) lets customers spread the cost of a purchase over time through a third-party payment provider. Podia supports Affirm, Klarna, and Afterpay through Stripe.

The payment provider manages the customer’s repayment schedule, so you don’t need to collect individual installments. BNPL is different from a payment plan you offer directly through Podia because the customer enters into a separate repayment agreement with the provider.

If customers meet the eligibility requirements, such as being in a supported location and using a supported currency, they’ll see the available BNPL options across their account, such as:

Customers can click See plans to view the buy now, pay later options available to them. The options shown may vary depending on factors such as the payment provider, the product’s price, and the customer’s eligibility.

During the payment step at checkout, customers can select their preferred BNPL option.

They’ll then be redirected to the payment provider’s website to complete the payment and returned to Podia once the process is complete.

BNPL platforms are supported by Stripe. To offer these payment options during checkout, you must connect a Stripe account to Podia.

Here's how to enable BNPL for your customers:

Podia supports Affirm, Klarna, and Afterpay as buy now, pay later (BNPL) options powered by Stripe.

Affirm lets customers pay for a purchase over time, with repayment terms shown before they confirm payment.

Available options may vary by country and values. Check the full documentation here.

Processing fees: Stripe’s Affirm processing fees vary by country. Review the rates that apply to your account, along with any applicable Podia transaction fees.

Afterpay, known as Clearpay in the United Kingdom, lets customers split a purchase into smaller payments.

Monthly financing availability depends on the purchase amount and the customer’s eligibility.

Processing fees: Stripe’s Afterpay processing fees vary by country. Review the rates that apply to your account, along with any applicable Podia transaction fees.

Klarna offers several payment options, including paying in full, paying later, and spreading a purchase across installments.

Klarna’s payment options vary by country. Read the entire list here.

Customers can review the options available to them and any associated costs before completing their purchase.

Processing fees: Stripe’s Klarna processing fees vary by country. Review the rates that apply to your account, along with any applicable Podia transaction fees.

A provider’s supported currency does not guarantee that BNPL options will appear at checkout for your customers.

Your business’s country, your customer’s country, and the purchase currency must also meet the provider’s requirements.

For Affirm and Afterpay, they require your business and customer to be located in the same country.

Klarna’s regional requirements differ:

For example, an eligible Swedish business may accept a Klarna payment in EUR from a customer in Germany. An Australian business must charge in AUD and sell to a customer in Australia.