How to Add Buy Now, Pay Later to a Small Business Website

Buy Now, Pay Later — Klarna, Affirm, Afterpay — lets customers split a purchase into installments. For higher-ticket items it measurably raises conversion and average order value, because the sticker price stops being the deciding factor.

Where it helps most

BNPL earns its keep above roughly $150 per order. Furniture, equipment, multi-session services and bundles all benefit. On low-ticket items the lift is marginal.

How it installs

BNPL sits on top of your existing checkout — it is not a replacement for it. That means you need online payments working first. Once card checkout is live, BNPL adds the installment options plus the promotional messaging that shows customers the monthly figure.

What to expect

• Higher conversion on higher-ticket carts.
• You are paid in full upfront; the BNPL provider carries the installment risk.
• Provider fees are slightly higher than standard card fees — worth it when order value rises.