Offer customers flexible payment options like Klarna, Affirm, and Afterpay directly on your text payment links — with no extra integration work required.
💳 Klarna - Pay in 4, pay in 30 days, or monthly financing
💳 Affirm - Monthly installments with 0–36% APR financing
💳 Afterpay -Split into 4 interest-free fortnightly payments
ℹ️ How this works
Our payment links are powered by Stripe. BNPL options are enabled directly in your Stripe Dashboard and will automatically appear on eligible transactions once activated.
Step-by-step setup
Log in to your Stripe Dashboard
Go to
dashboard.stripe.comand sign in with the account connected to your payment links. Make sure you're in Live mode (not Test mode) to enable payments for real customers.
Navigate to Payment Methods settings
From the left sidebar, go to
Settings→Payment methods. This is where all available payment types for your account are managed.
Find and enable your BNPL providers
Scroll to the "Buy Now, Pay Later" section. You'll see Klarna, Affirm, and Afterpay listed. Click each one and toggle it to
On. Stripe may ask you to review and accept their terms before activating.
Complete any additional verification
Some BNPL providers require Stripe to verify your business category and average transaction value. If prompted, fill in the requested details. Approval is typically instant for most business types.
That's it — no code changes needed
Once enabled in Stripe, BNPL options will automatically appear on your payment links for eligible transactions. Your customers will see the options at checkout and can choose how they'd like to pay.
Eligibility requirements
BNPL options only appear when the transaction meets certain criteria set by each provider. Here's a quick reference:
Klarna
Orders typically $1 – $10,000 · US, UK, EU & more · Most business categories
Affirm
Orders $50 – $30,000 · US only · Retail, services, healthcare
Afterpay
Orders $1 – $2,000 · US, AU, UK, CA, NZ · Most retail categories
All providers
Customer must be in a supported country · Transaction currency must match
⚠️ BNPL won't show for every transaction
If the payment amount is outside a provider's range, or the customer is in an unsupported region, that BNPL option simply won't appear at checkout. This is expected behavior.
Frequently asked questions
Does enabling BNPL cost anything extra?
There's no setup fee. Each BNPL provider charges a transaction fee (typically 2–6%) which Stripe deducts from the payout, similar to standard card processing. Check the Stripe pricing page for current rates per provider.
Do I get paid in full even if the customer pays in installments?
Yes. Klarna, Affirm, and Afterpay pay you in full upfront. The installment arrangement is between the provider and your customer — you're not involved in the repayment schedule.
Can I enable only specific BNPL providers?
Yes. Each provider is toggled independently in Stripe. You can enable all three, just one, or any combination. Only the providers you've enabled will appear at checkout.
What if I don't see the BNPL section in my Stripe Dashboard?
BNPL availability depends on your Stripe account's country and business type. If you don't see these options, your account may not yet be eligible. Contact Stripe support directly to check availability for your account.
Will BNPL appear on all my existing payment links?
Yes — once enabled in Stripe, BNPL options apply to all payment links generated through our platform for eligible transactions. No need to recreate or update existing links.
🛟 Still need help?
If you run into any issues enabling BNPL on your account, reach out to our support team via chat. For issues specific to Stripe verification or account eligibility, contact Stripe support directly at support.stripe.com.