Installment Payment

Buy Now, Pay Later Guide

How to Pay in Installments with Affirm, Afterpay & Klarna

Shop now and pay over time — with clear terms, fast approval, and flexible payment options.
Affirm, Afterpay, and Klarna are trusted Buy Now, Pay Later (BNPL) providers that let you split your purchase into manageable payments at checkout.

What Is Buy Now, Pay Later?

Feature Details
Payment type Installment payments (BNPL)
Credit card required ❌ Not required
Approval time Usually seconds
Interest 0% or disclosed upfront
Credit impact Mostly soft credit checks

How Installment Payments Work (Common Steps)

STEP 1. Add Items to Cart & Go to Checkout

  • Select your products and click Checkout

  • Choose Stripe Payment and Select Affirm, Afterpay, or Klarna as your payment method

STEP 2. Choose Your Installment Plan

A secure pop-up or embedded window will appear showing:

  • Total purchase amount

  • Available installment options

  • Payment schedule

  • Interest (if applicable)

📌 Always review:

  • Whether the plan is interest-free

  • When the first payment is due

  • Automatic payment schedule

STEP 3. Verify Your Identity & Get Approved

  • Enter your mobile number or email

  • First-time users provide basic info:

    • Name

    • Date of birth

    • Payment method (debit card or bank account)

✔ Approval usually takes seconds
✔ Most plans do not affect your credit score

STEP 4. Complete Your Order

  • Once approved, your order is confirmed

  • Payments are automatically charged based on your selected plan

  • You’ll receive confirmation from both the store and the BNPL provider

Provider-Specific Instructions

✔ How to Pay with Affirm

Best for larger purchases and monthly payments

Affirm Checkout Steps

  1. Select Affirm at checkout

  2. Choose a payment plan (3, 6, 12 months, or more)

  3. Review monthly payment and APR (if any)

  4. Verify via mobile number

  5. Confirm and complete purchase

Key Features

  • Monthly installment plans

  • Transparent pricing

  • Some plans may include interest

  • No hidden fees

Recommended for:
✔ Higher-priced items
✔ Customers who prefer monthly budgeting

✔ How to Pay with Afterpay

Simple, always interest-free payments

Afterpay Checkout Steps

  1. Select Afterpay at checkout

  2. Payment is split into 4 equal payments

  3. First payment is due immediately

  4. Remaining payments are charged every 2 weeks

  5. Order is completed instantly

Key Features

  • Always 0% interest

  • Fixed 4-payment structure

  • Automatic payments

  • Late fees may apply if payments are missed

Recommended for:
✔ Short-term installment payments
✔ Customers who want no interest

✔ How to Pay with Klarna

Most flexible installment options

Klarna Checkout Steps

  1. Select Klarna at checkout

  2. Choose one of the available options:

    • Pay in 4 (interest-free)

    • Pay in 30 days

    • Monthly financing

  3. Sign in or verify your Klarna account

  4. Confirm and place your order

Key Features

  • Multiple payment choices

  • Interest-free and long-term options

  • Clear payment reminders

  • Availability may vary by region

Recommended for:
✔ Customers who want flexible payment timing
✔ Shoppers who prefer to pay later

Frequently Asked Questions

Do I need a credit card?

No.
Most plans accept debit cards or bank accounts.

What happens if I’m not approved?

  • Your order will not be completed

  • No impact on your credit score

  • You can choose another payment method immediately

Can I pay off early?

Yes.
Most plans allow early repayment with no penalty.

Why don’t I see installment options?

Installment payments may not appear if:

  • You are accessing from outside supported regions

  • Your currency is not USD

  • Your shipping address is not within the supported country

Tips for Smart Installment Payments

  • Always check interest and fees

  • Set payment reminders

  • Avoid missed payments to prevent fees

  • Use installments responsibly

Shop Now, Pay Over Time — Stress Free

✔ No hidden fees
✔ Fast approval
✔ Flexible payment options

Choose Affirm, Afterpay, or Klarna at checkout and enjoy hassle-free installment payments today.

👉 Add items to your cart and select your installment option at checkout.