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What is Buy Now Pay Later and should my business offer it?

Learn more about purchases made using buy now, pay later (BNPL) services and what it means ecommerce businesses in this blog post.

Learn more about purchases made using buy now, pay later (BNPL) services and what it means ecommerce businesses in this blog post.

Konrad Plechowski

Josh Guthrie

Co-Country Manager

Blog image showing several boxes

Buy now pay later allows customers to pay for goods or services in instalments over a period of time, or simply pay in full at a later date.

Allowing customers to make purchases from your ecommerce store through buy now pay later methods can help increase conversions and boost average order value, but there are things you need to consider.

In this article, we’ll discuss:

  • What buy now pay later means

  • What buy now pay later is used for

  • Buy now pay later examples

  • Buy now pay later providers

  • How buy now pay later agreements work

Buy now pay later allows customers to pay for goods or services in instalments over a period of time, or simply pay in full at a later date.

Allowing customers to make purchases from your ecommerce store through buy now pay later methods can help increase conversions and boost average order value, but there are things you need to consider.

In this article, we’ll discuss:

  • What buy now pay later means

  • What buy now pay later is used for

  • Buy now pay later examples

  • Buy now pay later providers

  • How buy now pay later agreements work

Buy now pay later allows customers to pay for goods or services in instalments over a period of time, or simply pay in full at a later date.

Allowing customers to make purchases from your ecommerce store through buy now pay later methods can help increase conversions and boost average order value, but there are things you need to consider.

In this article, we’ll discuss:

  • What buy now pay later means

  • What buy now pay later is used for

  • Buy now pay later examples

  • Buy now pay later providers

  • How buy now pay later agreements work

Buy now pay later allows customers to pay for goods or services in instalments over a period of time, or simply pay in full at a later date.

Allowing customers to make purchases from your ecommerce store through buy now pay later methods can help increase conversions and boost average order value, but there are things you need to consider.

In this article, we’ll discuss:

  • What buy now pay later means

  • What buy now pay later is used for

  • Buy now pay later examples

  • Buy now pay later providers

  • How buy now pay later agreements work

What does buy now pay later mean?

Buy now pay later actually has several meanings, although there are two that are most commonly used in accounting.

One situation where the term buy now pay later is regularly used is when a customer makes a purchase but defers full payment to a later date.

Another way buy now pay later is used in business is for paying for an invoice or debts in instalments until the full amount has been paid back.

Both scenarios have been made more popular by the rise in the number buy now pay later providers, which can bring many benefits for ecommerce businesses.

Buy now pay later actually has several meanings, although there are two that are most commonly used in accounting.

One situation where the term buy now pay later is regularly used is when a customer makes a purchase but defers full payment to a later date.

Another way buy now pay later is used in business is for paying for an invoice or debts in instalments until the full amount has been paid back.

Both scenarios have been made more popular by the rise in the number buy now pay later providers, which can bring many benefits for ecommerce businesses.

Buy now pay later actually has several meanings, although there are two that are most commonly used in accounting.

One situation where the term buy now pay later is regularly used is when a customer makes a purchase but defers full payment to a later date.

Another way buy now pay later is used in business is for paying for an invoice or debts in instalments until the full amount has been paid back.

Both scenarios have been made more popular by the rise in the number buy now pay later providers, which can bring many benefits for ecommerce businesses.

Buy now pay later actually has several meanings, although there are two that are most commonly used in accounting.

One situation where the term buy now pay later is regularly used is when a customer makes a purchase but defers full payment to a later date.

Another way buy now pay later is used in business is for paying for an invoice or debts in instalments until the full amount has been paid back.

Both scenarios have been made more popular by the rise in the number buy now pay later providers, which can bring many benefits for ecommerce businesses.

What’s buy now pay later used for?

Retail

In retail, buy now pay later is used by customers who prefer to spread payments over a period of time or defer payment to a later date.

Electrical goods, clothing, and even cosmetics are now regularly purchased using BNPL options or through monthly/weekly instalments. 

In recent years, buy now pay later has boomed, driven by consumer appetite to move away from credit cards and because of the greater flexibility it offers. In certain ecommerce verticals, it's essential to offer buy now pay later options to remain competitive and increase conversions. 

B2B

Buy now pay later agreements exist in the business world as “payment on account”.

It’s common practice for businesses to open “accounts” with suppliers and companies they regularly do business with. This allows them to make regular payments, meaning they can predict and manage their cash flow accordingly.

It also allows for a single invoice to be produced listing all goods and services purchased “on account” over a set time period, which makes life easier for both the business and supplier.

Retail

In retail, buy now pay later is used by customers who prefer to spread payments over a period of time or defer payment to a later date.

Electrical goods, clothing, and even cosmetics are now regularly purchased using BNPL options or through monthly/weekly instalments. 

In recent years, buy now pay later has boomed, driven by consumer appetite to move away from credit cards and because of the greater flexibility it offers. In certain ecommerce verticals, it's essential to offer buy now pay later options to remain competitive and increase conversions. 

B2B

Buy now pay later agreements exist in the business world as “payment on account”.

It’s common practice for businesses to open “accounts” with suppliers and companies they regularly do business with. This allows them to make regular payments, meaning they can predict and manage their cash flow accordingly.

It also allows for a single invoice to be produced listing all goods and services purchased “on account” over a set time period, which makes life easier for both the business and supplier.

Retail

In retail, buy now pay later is used by customers who prefer to spread payments over a period of time or defer payment to a later date.

Electrical goods, clothing, and even cosmetics are now regularly purchased using BNPL options or through monthly/weekly instalments. 

In recent years, buy now pay later has boomed, driven by consumer appetite to move away from credit cards and because of the greater flexibility it offers. In certain ecommerce verticals, it's essential to offer buy now pay later options to remain competitive and increase conversions. 

B2B

Buy now pay later agreements exist in the business world as “payment on account”.

It’s common practice for businesses to open “accounts” with suppliers and companies they regularly do business with. This allows them to make regular payments, meaning they can predict and manage their cash flow accordingly.

It also allows for a single invoice to be produced listing all goods and services purchased “on account” over a set time period, which makes life easier for both the business and supplier.

Retail

In retail, buy now pay later is used by customers who prefer to spread payments over a period of time or defer payment to a later date.

Electrical goods, clothing, and even cosmetics are now regularly purchased using BNPL options or through monthly/weekly instalments. 

In recent years, buy now pay later has boomed, driven by consumer appetite to move away from credit cards and because of the greater flexibility it offers. In certain ecommerce verticals, it's essential to offer buy now pay later options to remain competitive and increase conversions. 

B2B

Buy now pay later agreements exist in the business world as “payment on account”.

It’s common practice for businesses to open “accounts” with suppliers and companies they regularly do business with. This allows them to make regular payments, meaning they can predict and manage their cash flow accordingly.

It also allows for a single invoice to be produced listing all goods and services purchased “on account” over a set time period, which makes life easier for both the business and supplier.

Examples of buy now pay later

Buy now pay later purchaeses are split into two categories. One is deferring a payment and paying it in full at a later date, and the other is spreading the cost over several instalments which is paid over a set time period. Both are commonly used buy now pay later options in online retail.

Buy now pay later purchaeses are split into two categories. One is deferring a payment and paying it in full at a later date, and the other is spreading the cost over several instalments which is paid over a set time period. Both are commonly used buy now pay later options in online retail.

Buy now pay later purchaeses are split into two categories. One is deferring a payment and paying it in full at a later date, and the other is spreading the cost over several instalments which is paid over a set time period. Both are commonly used buy now pay later options in online retail.

Buy now pay later purchaeses are split into two categories. One is deferring a payment and paying it in full at a later date, and the other is spreading the cost over several instalments which is paid over a set time period. Both are commonly used buy now pay later options in online retail.

Buy now pay later providers

When do businesses get paid?

How and when purchases are made using buy now pay later services affect accounting processes will depend on the provider and the contract businesses have in place with them. Typically, however, the process will be reasonably straightforward. 

When a customer makes a purchase on an ecommerce website, choosing a third-party buy now pay later payment method, from that point onwards, the customer only makes payments to the third party. 

Businesses will be paid in full upfront, less any transaction and service fees outlined in their contracts. The payments are made to your company account almost as if they were a regular credit card transaction, with the buy now pay later provider taking the credit and fraud risks.

Actual payment terms vary by provider. Some, like Clearpay, have set timeframes. They process settlement payments within 1-5 business days of the order date, with banks usually taking another day or two to deposit the settlement into company accounts.

Klarna also has a set period for what they call payout delays, which is typically one week plus one day after the order has been shipped. For example, orders placed and shipped from your website using Klarna on Monday will be paid out on Tuesday of the following week.

How and when purchases are made using buy now pay later services affect accounting processes will depend on the provider and the contract businesses have in place with them. Typically, however, the process will be reasonably straightforward. 

When a customer makes a purchase on an ecommerce website, choosing a third-party buy now pay later payment method, from that point onwards, the customer only makes payments to the third party. 

Businesses will be paid in full upfront, less any transaction and service fees outlined in their contracts. The payments are made to your company account almost as if they were a regular credit card transaction, with the buy now pay later provider taking the credit and fraud risks.

Actual payment terms vary by provider. Some, like Clearpay, have set timeframes. They process settlement payments within 1-5 business days of the order date, with banks usually taking another day or two to deposit the settlement into company accounts.

Klarna also has a set period for what they call payout delays, which is typically one week plus one day after the order has been shipped. For example, orders placed and shipped from your website using Klarna on Monday will be paid out on Tuesday of the following week.

How and when purchases are made using buy now pay later services affect accounting processes will depend on the provider and the contract businesses have in place with them. Typically, however, the process will be reasonably straightforward. 

When a customer makes a purchase on an ecommerce website, choosing a third-party buy now pay later payment method, from that point onwards, the customer only makes payments to the third party. 

Businesses will be paid in full upfront, less any transaction and service fees outlined in their contracts. The payments are made to your company account almost as if they were a regular credit card transaction, with the buy now pay later provider taking the credit and fraud risks.

Actual payment terms vary by provider. Some, like Clearpay, have set timeframes. They process settlement payments within 1-5 business days of the order date, with banks usually taking another day or two to deposit the settlement into company accounts.

Klarna also has a set period for what they call payout delays, which is typically one week plus one day after the order has been shipped. For example, orders placed and shipped from your website using Klarna on Monday will be paid out on Tuesday of the following week.

How and when purchases are made using buy now pay later services affect accounting processes will depend on the provider and the contract businesses have in place with them. Typically, however, the process will be reasonably straightforward. 

When a customer makes a purchase on an ecommerce website, choosing a third-party buy now pay later payment method, from that point onwards, the customer only makes payments to the third party. 

Businesses will be paid in full upfront, less any transaction and service fees outlined in their contracts. The payments are made to your company account almost as if they were a regular credit card transaction, with the buy now pay later provider taking the credit and fraud risks.

Actual payment terms vary by provider. Some, like Clearpay, have set timeframes. They process settlement payments within 1-5 business days of the order date, with banks usually taking another day or two to deposit the settlement into company accounts.

Klarna also has a set period for what they call payout delays, which is typically one week plus one day after the order has been shipped. For example, orders placed and shipped from your website using Klarna on Monday will be paid out on Tuesday of the following week.

Grow your business with buy now pay later and Mollie

When making the decision to offer buy now, pay later payment methods on your ecommerce site, it’s important that the rest of your checkout process is as seamless as your customers expect. That’s where the team here at Mollie comes in.
With Mollie and Klarna joining forces, it’s easy to add Klarna: Pay Later and other buy now, pay later options to your website.

When making the decision to offer buy now, pay later payment methods on your ecommerce site, it’s important that the rest of your checkout process is as seamless as your customers expect. That’s where the team here at Mollie comes in.
With Mollie and Klarna joining forces, it’s easy to add Klarna: Pay Later and other buy now, pay later options to your website.

When making the decision to offer buy now, pay later payment methods on your ecommerce site, it’s important that the rest of your checkout process is as seamless as your customers expect. That’s where the team here at Mollie comes in.
With Mollie and Klarna joining forces, it’s easy to add Klarna: Pay Later and other buy now, pay later options to your website.

When making the decision to offer buy now, pay later payment methods on your ecommerce site, it’s important that the rest of your checkout process is as seamless as your customers expect. That’s where the team here at Mollie comes in.
With Mollie and Klarna joining forces, it’s easy to add Klarna: Pay Later and other buy now, pay later options to your website.

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Научете как унифицираната търговия свързва вашите плащания, инвентар и данни в единен източник на истина, за да оптимизира операциите.

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Открийте какво е доставчик на платежни услуги (PSP), как опростява онлайн плащанията и как да изберете правилния партньор за развитието на вашия бизнес.

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Тестовият шлюз е мястото, където разработчиците на електронна търговия могат да отстранят проблеми със задаването на платежна система на уебсайт. Научете повече за това как тестовете се прилагат за вашия бизнес.

PCI съвместимост за платежни терминали: Какво трябва да знаят бизнесите

Изтича ли жизненият цикъл на вашите платежни терминали поради съответствие с PCI? Вижте кои модели ще изтекат през 2025–2026 г. и как да надстроите своя терминал.

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What does buy now pay later mean?

What’s buy now pay later used for?

Examples of buy now pay later

Buy now pay later providers

When do businesses get paid?

Grow your business with buy now pay later and Mollie

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MollieРастежWhat is Buy Now Pay Later and should my business offer it?
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MollieРастежWhat is Buy Now Pay Later and should my business offer it?