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.