Buy Now Pay Later for Merchants

Buy Now Pay Later (BNPL) has transformed retail. What started as a niche offering is now expected by consumers—especially younger shoppers. If you're not offering BNPL, you're losing sales to competitors who do.

The numbers are compelling. Merchants adding BNPL typically see conversion rates increase 20-30%. Average order values climb 30-50%. Cart abandonment drops significantly. These aren't theoretical projections—they're real results from real merchants across retail categories.

But which BNPL provider should you choose? That depends on your business model, average order value, and customer demographics.

Afterpay/Pay in 4: Best for purchases $100-$1,000. Four payments over six weeks. Younger demographic (Gen Z, Millennials). Fashion, beauty, home goods excel here.

Affirm: Best for purchases $200-$10,000+. Flexible terms (3-36 months). Broader age range. Furniture, electronics, fitness equipment, services shine.

Klarna: European strength, growing US presence. Multiple options from Pay in 4 to longer financing. Strong in fashion and lifestyle.

Zip (formerly Quadpay): Similar to Afterpay's Pay in 4. Competitive rates. Growing acceptance.

Most merchants benefit from offering multiple BNPL options. Different customers prefer different providers. Having both Afterpay and Affirm, for example, covers short-term and long-term financing preferences.

Unison Payment Solutions helps you navigate BNPL integration. We assess your business model, recommend the right providers, and handle technical integration. You get increased sales without integration headaches.