> ## Documentation Index
> Fetch the complete documentation index at: https://help.hoopai.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Buy now, pay later — Klarna, AfterPay, and Affirm
> Offer installment payment options through Klarna, AfterPay/Clearpay, and Affirm to increase conversion rates and average order values.
Buy now, pay later (BNPL) lets your customers split a purchase into installments — typically four equal payments over six weeks — while you receive the full purchase amount upfront. BNPL options consistently increase conversion rates and average order values, particularly for higher-ticket products and services.
The HoopAI Platform supports three BNPL providers through Stripe: **Klarna**, **AfterPay** (called Clearpay in the United Kingdom), and **Affirm**.
BNPL requires **Stripe Connect** to be active on your account and must be enabled in your **Stripe dashboard** before it can be activated in the HoopAI Platform. BNPL is not available in test mode — it only works in live mode with a live Stripe connection. Go to **Payments → Payment Integrations** to verify your Stripe connection.
***
## What is buy now, pay later?
With BNPL, the experience for your business and your customers works as follows:
* The customer selects a BNPL option at checkout (e.g., "Pay in 4 installments").
* The BNPL provider (Klarna, AfterPay, or Affirm) performs a quick soft credit check on the customer within the checkout flow.
* You receive the full purchase amount from the BNPL provider immediately — typically within the same settlement window as a card payment.
* The BNPL provider collects installment payments from the customer over the agreed repayment schedule.
* If the customer misses an installment, the BNPL provider handles collections. You are not at risk as the merchant.
***
## Supported BNPL providers
Pay in 4 installments or "pay in 30 days" options. Available in the US, Canada, UK, Australia, and most of the EU. Minimum order \~$10, maximum ~$10,000 (varies by market).
Pay in 4 equal installments over 6 weeks. Available in the US, Canada, UK, and Australia. Called Clearpay in the UK. Minimum order \~\$1.
Monthly installment plans ranging from 3 to 36 months. Available in the US only. Minimum order \$50.
### Geographic availability
| Provider | United States | Canada | United Kingdom | Australia | European Union |
| ------------------- | ------------- | ------ | ----------------- | --------- | -------------------- |
| Klarna | Yes | Yes | Yes | Yes | Yes (most countries) |
| AfterPay / Clearpay | Yes | Yes | Yes (as Clearpay) | Yes | No |
| Affirm | Yes | No | No | No | No |
Exact country and region availability may vary. Check your Stripe dashboard's **Payment methods** section for the definitive list of countries where each BNPL provider is available for your account.
***
## Prerequisites: enabling BNPL in Stripe
Before enabling BNPL in the HoopAI Platform, you must activate the relevant providers in your Stripe account.
Go to [dashboard.stripe.com](https://dashboard.stripe.com) and sign in with the account connected to your HoopAI Platform.
In the Stripe dashboard, go to **Settings → Payment methods**.
Find **Klarna**, **AfterPay / Clearpay**, and/or **Affirm** in the list. Click **Turn on** for each provider you want to offer. Stripe may show an eligibility notice if your account type or location does not support a particular provider.
Each provider should show as **Active** in your Stripe payment methods list before proceeding to the HoopAI Platform configuration.
You do not need to apply separately to Klarna, AfterPay, or Affirm. If your Stripe account is eligible, enabling them in Stripe is all that is required — Stripe manages the provider relationship on your behalf.
***
## Enabling BNPL for payment links
Go to **Payments → Payment Links** and open an existing payment link or create a new one.
In the payment link editor, locate the **Payment Methods** section. You will see the BNPL providers that are active on your Stripe account listed as toggleable options.
Toggle on **Klarna**, **AfterPay**, and/or **Affirm** depending on which providers you activated in Stripe and which you want to surface at checkout.
Click **Save**. Customers who open the payment link in a supported country will now see BNPL options at checkout alongside the standard card form.
***
## Enabling BNPL for invoices
Go to **Payments → Invoices & Estimates** and open an existing draft invoice or create a new one.
Scroll to the **Payment Methods** section in the invoice editor. BNPL providers will appear here if they are enabled in your Stripe account.
Toggle on the BNPL providers you want to offer for this invoice. You can enable one, two, or all three providers simultaneously.
Click **Save** (for a draft) or **Send** to deliver the invoice. Customers will see BNPL as a payment option on the invoice payment page.
***
## Enabling BNPL for order forms
Navigate to the funnel or website that contains your order form. Open the page in the builder.
Click on the order form step or the order form element to open its settings.
In the order form settings panel, open the **Payment** or **Checkout** settings section.
Toggle on the BNPL providers you want to offer. Only providers that are active on your connected Stripe account will appear.
Save the order form settings and publish the funnel or website page. BNPL options will now appear at checkout for qualifying customers.
***
## Order value limits
BNPL providers enforce minimum and maximum order values. Customers who attempt a BNPL payment outside these ranges will not see that option at checkout.
| Provider | Minimum order | Maximum order | Notes |
| ------------------- | ------------- | ------------- | ------------------------------------------------------- |
| Klarna | \~\$10 | \~\$10,000 | Varies by country and customer history |
| AfterPay / Clearpay | \~\$1 | \~\$2,000 | Varies by country; higher limits for verified customers |
| Affirm | \$50 | \~\$30,000 | Varies by loan term and customer creditworthiness |
These are approximate values. The exact limits for your account are determined by Stripe and the BNPL providers based on your account standing, product category, and the customer's location. Check your Stripe dashboard for your specific account limits.
***
## What the customer sees at checkout
When BNPL is enabled, customers see the following experience:
1. The standard card payment form is displayed at checkout.
2. Below or alongside the card form, BNPL options appear with provider branding — for example, "Pay in 4 installments with Klarna" or "4 interest-free payments with AfterPay."
3. The customer selects a BNPL option and is presented with a brief inline application within the checkout.
4. After approval (typically instant), the purchase is confirmed and the customer receives their installment schedule.
5. You receive full payment in your next Stripe payout.
***
## Merchant payout and fees
* You receive the full purchase amount from the BNPL provider, less the BNPL merchant fee.
* BNPL fees are typically higher than standard card fees. Check Stripe's current fee schedule for the exact rates for Klarna, AfterPay, and Affirm on your account.
* Payouts follow your standard Stripe payout schedule — the BNPL nature of the transaction does not delay your settlement.
BNPL merchant fees are generally 2%–6% of the transaction value depending on the provider and your Stripe account tier — higher than typical card processing fees. Review the Stripe fee schedule for your account before enabling BNPL, particularly for lower-margin products.
***
## Refunds with BNPL
Refunds for BNPL transactions work the same way as any other Stripe refund:
Go to **Payments → Transactions** and find the relevant transaction.
Click the three-dot menu on the transaction and select **Refund**. Enter the refund amount (full or partial) and confirm.
Stripe notifies the BNPL provider of the refund. The provider adjusts the customer's remaining installment schedule — for example, canceling future installments or crediting already-paid installments back to the customer.
Refund processing time depends on the BNPL provider. Customers typically see their installment adjustments within 3–10 business days. The HoopAI Platform reflects the refund status immediately after you initiate it.
***
## Frequently asked questions
No. If Stripe supports BNPL for your account type and location, you only need to enable the providers in your Stripe dashboard under **Settings → Payment methods**. Stripe manages the merchant relationship with Klarna, AfterPay, and Affirm on your behalf. There is no separate application or approval process through the HoopAI Platform.
No. BNPL is designed for one-time purchases only. It cannot be used for subscription billing, recurring invoices, or payment plans. For subscriptions, customers must use a standard card payment method or ACH Direct Debit.
Not currently. BNPL is enabled at the checkout level (payment link, invoice, or order form), not per product. If BNPL is enabled on a checkout page, it is available for all products on that page. To exclude certain products from BNPL, use separate checkout pages or payment links with different payment method configurations.
The BNPL provider (Klarna, AfterPay, or Affirm) is responsible for collecting installments from the customer. If a customer misses a payment, the provider handles reminders and collections. You are not at risk as the merchant — you already received the full purchase amount at the time of the original transaction.
Yes. BNPL typically carries higher merchant fees than standard card payments. The exact fee depends on the provider and your Stripe account. Check your Stripe dashboard under **Settings → Pricing** or contact Stripe support for your specific rates. Factor these fees into your pricing decisions before enabling BNPL on your checkouts.
Several conditions must all be true for BNPL to appear:
* You must be in **live mode** — BNPL does not work in test mode.
* **Stripe must be connected** at **Payments → Payment Integrations**.
* The BNPL provider must be **enabled in your Stripe dashboard** under **Settings → Payment methods**.
* The BNPL provider must be **enabled in your payment link, invoice, or order form** payment settings.
* The customer's location must be in a **supported country** for that provider.
* The order value must be **within the provider's minimum and maximum limits**.
If all of these are true and BNPL still does not appear, check your Stripe dashboard for any account-level restrictions or contact Stripe support.
AfterPay is available in the UK but operates under the name **Clearpay**. When you enable AfterPay in your Stripe dashboard, it automatically appears as Clearpay for customers in the UK. The configuration steps are identical — there is no separate Clearpay setting.
Yes. You can enable Klarna, AfterPay, and Affirm simultaneously on the same checkout page. Customers will see whichever providers are available for their country and qualifying order value. Stripe automatically determines which options are eligible for each customer session.