Buy Now Pay Later
Overview
Buy Now, Pay Later (BNPL) gives customers a flexible way to spread the cost of a purchase over time, typically through short-term installment plans, without the interest charges or lengthy approval processes associated with traditional credit.
We partner with Sezzle, so customers can split payments (up to $2,000) into smaller, manageable installments at checkout, with no interest when payments are made on schedule.
For your merchants, offering BNPL can increase conversion rates and average order value by lowering the upfront cost barrier for customers, while Sezzle assumes the payment collection and risk, so your merchants still receive full payment upfront. For customers, BNPL provides greater budget control, transparency (fixed payment schedules with no surprise fees when paid on time), and broader access to purchasing power without needing a traditional loan or credit card.
Prerequisites and Integration
- BNPL is only available on the Hosted Checkout and in our embedded checkout web components (Unified Checkout and Modular Checkout) - see the integration guide.
- All these checkout options require the creation of a checkout via API
- To enable BNPL payments, contact customer_success@justifi.tech to activate BNPL for your platform and sub accounts.
- If you use Unified Checkout, BNPL will automatically appear as a payment options as soon as BNPL is enabled on the sub account.
- If you use Modular Checkout, include the sezzle Payment Method sub component.
How it works?
Once BNPL is enabled on a sub account and available to the web component the Buy Now Pay later option appears as a payment method in the checkout web component. If a customer selects BNPL as their payment method, they're redirected to Sezzle and asked to create an account. With their account in place, they select a payment plan for the purchase amount. Sezzle processes the payment and pays the merchant the full amount upfront. The customer then pays off the balance in installments, following their chosen payment plan. Sezzle handles all communication with the customer about that plan.