Buy Now, Pay Later (BNPL) allows your clients to split payments into installments while your business receives the full payment upfront. Yocale supports BNPL through trusted third-party providers: Affirm, Klarna, and Afterpay.
What is BNPL?
BNPL lets clients pay for services over time in installments. Your business gets paid right away, and the client repays the BNPL provider according to their chosen plan.
BNPL can help:
Increase booking conversions
Support higher-ticket services
Offer flexible payment options to clients
Before You Start (Prerequisites)
BNPL works only when the following are set up:
Your business has an active Stripe account connected to Yocale - If you need help signing up for Stripe please see this guide
Country & Currency Availability
BNPL availability depends on:
Business location
Client country
Providers may apply different limits and options by country (Check Transaction limit and payment options below)
Activating/disabling BNPL as a Payment Method
Navigate to "Payments" > "Payment Methods" page when logged in as the Business Owner account.
Supported BNPL Providers
Yocale supports below providers:
Affirm
Klarna
Afterpay
BNPL services are provided and managed by these three partners. Enabling them means you agree to their terms of service.
Transaction Limits
You can set specific transaction limits by clicking the Pencil button underneath the switch in the above screenshot.
BNPL options only appear when the payable amount falls within the configured limits.
Each method is disabled by default. Businesses must activate them and can adjust limits.
Transaction limit and payment options
How to offer BNPL options at checkout
BNPL options are only available as online payments via payment requests.
Payment Requests
Business can send a payment request by using the email icon on the Invoice page.
Business sends a payment request via invoice (the client must have an email address or you won't be able to access the Payment Request button)
NOTE: You can send the payment request to any email address that is part of your Client List. Also, You can always add a new client if the email address does not exist in the system.
Client opens the payment link via "Pay Now" inside the invoice email
All activated payment options are displayed, including BNPL.
Client selects Affirm, Klarna, or Afterpay (depending on business settings)
Client is redirected to the relevant provider’s site
Provider approves or declines the application
On approval, the client returns to Yocale success page
If no approval is given, the client returns to payment page with an error
Important Notes
Approval is fully controlled by the BNPL provider
Yocale cannot override approval decisions
Clients should always be directed to check their approval options with the relevant provider first.
Processing Fees for BNPL option
The business will be charged according to the below table. BNPL fees are higher than standard card rates because they include financing costs and lender risk.
Your business receives the full payment upfront, while clients repay the BNPL provider in installments.
| Klarna | Afterpay | Affirm |
United States | 5.99% + $0.30 | 6% + $0.30 | 6% + $0.30 |
Canada | 5.99% + C$0.30 | 6% + C$0.30 | 6% + C$0.30 |
United Kingdom | 4.99% + 35 p | 6% + 30p | - |
Australia | 4.99% + A$0.55 | 6% + A$0.30 | - |
Refunds
BNPL payments can be refunded.
Refund rules:
BNPL refunds follow the same logic as card based refunds
Interest or BNPL provider fees are not refunded
Refunds typically appear in 3–10 business days
Exact timing depends on banks and provider
Tip from Yocale
Add a note on your booking page to promote financing options.
This is done by adding an Alert. Follow these instructions: "Settings" > "Online Settings" > "Booking widget settings" > General Customization" >
It will get displayed on the booking widget as a banner above the menu options as displayed below:
Extra Support
Reach out at support@yocale.com for more details or assistance!
See more details at the Partners website below:
Affirm support: Affirm Help Center
Klarna support: Customer service | Klarna Canada
Afterpay support: https://help.afterpay.com/hc/en-ca