Consumer Financing

The buy now, pay later revolution has transformed consumer expectations. Today's shoppers, especially younger demographics, expect the option to split purchases into manageable payments. Businesses that offer financing see dramatic increases in conversion rates and average order values.

Unison Payment Solutions helps you integrate consumer financing options like Affirm, Afterpay, Klarna, and other leading providers. Your customers get the flexibility they want; you get paid upfront in full. It's a win-win that removes price objections and closes more sales.

The psychology is simple: a $1,000 purchase feels like a major decision. The same purchase as "four payments of $250" feels manageable. Financing doesn't create irresponsible spending—it gives customers options for planned purchases they would make anyway. You're simply removing friction from the buying decision.

For your business, financing options typically increase average order values by 30-50%. Customers who might have settled for a less expensive option often upgrade when payments are spread over time. Cart abandonment drops when price shock is softened. Conversion rates climb when financing removes the final objection.

The best part? You receive the full purchase price upfront, minus a small fee (typically 2-8% depending on the provider). The financing company handles collections and assumes all risk if the customer doesn't pay. It's like extending credit without any of the risk or complexity.

Implementation is straightforward. Financing options appear at checkout, customers apply in seconds and get instant decisions, and completed purchases fund to your account within days. No changes to your existing payment processing required.

Cost matters — but total value matters more. Many businesses focus only on rates. They miss hidden fees and service gaps that cost more over time. Unison takes a different approach. Every dollar you spend on consumer financing delivers real, measurable returns.

No Hidden Fees

With Unison, you get straightforward pricing:

• No setup fees
• No long-term contracts
• No early termination penalties
• No PCI non-compliance fees
• No hidden monthly minimums

You pay only for what you use. Every charge appears clearly on your statement.

Real ROI Beyond Savings

Businesses that use the right payment tools see gains in:

• Checkout speed — shorter wait times and faster throughput
• Customer retention — better payment experiences keep people coming back
• Cash flow — faster funding and clearer reporting
• Efficiency — automation replaces manual work

Want to see your potential savings? Try our savings calculator or request a free statement analysis. Most merchants save 20 to 40 percent after switching.

Not all providers are the same. Unison gives you a dedicated account manager — someone who knows your business, your industry, and your goals.

Here is what sets us apart:

• Interchange-plus pricing — see the real cost of every transaction
• No hidden fees — no surprise rate increases or contract penalties
• 20–30% savings — the average reduction for merchants who switch
• Fast funding — most deposits in 24 hours
• Human support — real people who pick up the phone

Easy to Get Started

1. Apply online in under 10 minutes
2. Get approved within 24 to 48 hours
3. Start using consumer financing right away

Switching from another provider? We handle the full transition so your business runs without interruption.

Setting up is simple. Our team handles the technical work so you can focus on your business.

Step-by-Step Process

1. Free consultation — contact us to discuss your needs and goals
2. Statement review — we analyze your current fees and find savings
3. Quick application — takes less than 10 minutes online
4. Fast approval — most merchants approved in 24 to 48 hours
5. Setup and training — we configure everything and walk your team through it

After You Are Live

Your dedicated account manager stays with you. They monitor your account, suggest ways to save, and handle any changes you need. No call centers. No ticket queues. Just direct access to someone who knows your business.

Calculate your savings now or get a free quote to take the first step.