Stripe integrates buy now, pay later (BNPL) solutions, including Affirm, Klarna, and Afterpay directly into your workflow, offering instant, no-application financing for smaller purchases.

The Buy Now, Pay Later Advantage

Option 1: Affirm (via Stripe)

Key Features:

• Available in US and Canada
• Loan amounts up to $20,000 (with down payment up to $30,000)
• Terms: 4 interest-free payments to 36-month installments
• No late fees, transparent pricing
• You get paid in full upfront

Best for:

• Purchases $300-$5,000
• Patients ages 30-44 (28% of Affirm users)
• Tech-savvy patients comfortable with apps
• When you want flexible term options

Payment Plans:

• Pay in 4: Four biweekly, interest-free installments
• Monthly payments: 3-48 months with interest (rates vary by creditworthiness)

Option 2: Klarna (via Stripe)

Key Features:

• Available in 20+ countries
• Most variety in payment options
• Up to 36 months financing
• You get paid in full upfront

Best for:

• Patients familiar with Klarna from retail
• Multiple payment preference options
• When you want maximum flexibility

Payment Options:

• Pay in 4: Four interest-free installments
• Pay in 30: Pay full amount in 30 days
• Financing: Up to 36 months

Option 3: Afterpay (via Stripe)

Key Features:

• Popular in US, UK, Australia, New Zealand
• Simple four-payment structure
• Best for purchases under $1,500
• No interest if paid on time

Best for:

• Smaller purchases ($300-$1,500)
• Quick, easy approval process
• Patients who want simplicity

Payment Structure:

• Always 4 payments, every 2 weeks
• No interest
• Late fees may apply (less than traditional credit)

Stripe 2-Pay & 4-Pay Strategy

When to Use Stripe BNPL

Implementation with Stripe

If you already use Stripe:

1. Enable Affirm, Klarna, or Afterpay in your Dashboard
2. No additional paperwork for eligible businesses
3. Works with existing Stripe integration
4. Unified reporting and payouts

Eligible Business Categories: Most med spa services are eligible. Check Stripe documentation or your dashboard to confirm.