Buy Now, Pay Later for Small Business

BNPL allows your clients to split their payments into interest-free installments over time, while you receive the full payment upfront. It’s a flexible, client-friendly way to make premium services more accessible.

• Increase revenue: This payment method has been shown to grow average ticket sizes by over 180% on average, and in many cases even by 10x or more, and boost revenue by 20%.
• Attract new clients: Offering flexible payment options makes your services accessible to a wider audience and can be a way for your business to stand out.
• No financial risk: Regardless of when your clients complete their payments, you get paid in full immediately. The BNPL providers handle all of the repayments so you take on zero risk.

You always get paid upfront, in full right away—just like any other payment method. As soon as your client completes their purchase using BNPL, the full amount is instantly processed through GlossGenius. The BNPL provider handles collecting payments from your client, so there’s no waiting or risk on your end. The funds will appear in your payout according to your usual payout schedule.

You can offer multiple trusted BNPL providers, including Afterpay, Klarna, and Affirm. This flexibility means your clients can choose the option they’re most comfortable with.

Absolutely! BNPL is tailored for small businesses, helping salons and spas drive growth with minimal risk. Plus, with GlossGenius, BNPL is integrated seamelssly into checkout.

Clients are more likely to book higher-value services or package deals when they can pay in manageable installments. This leads to stronger client loyalty and improved retention rates.

Yes! When BNPL is enabled, your booking site will show a “pay over time” option, including a breakdown of the lower installment price. Breaking down the price like this is a powerful way to encourage more high-value bookings. If you prefer to not promote it, you can simply choose to hide it from your booking site by going to Settings -> Card reader & Checkout -> Checkout Settings.

Clients can apply with Affirm, Afterpay, or Klarna anytime before their appointment to see how much they are approved to spend. They will be prompted to apply after booking, and this gives them a clear idea of their options ahead of time and can make checkout even quicker.

At checkout, you’ll simply select Buy Now, Pay Later as the payment method, and your client will receive a link on their personal device to choose a provider and complete the process. If they haven't created an account beforehand, no problem! They'll have the ability to do so when they select a provider at checkout.

You can also share this page (https://glossgenius.com/how-buynowpaylater-works) with clients—it walks them through how BNPL works and how they can sign up.

You don’t need to worry about declined cards or missed payments — once a client is approved through a BNPL provider, they handle all repayments directly with the provider. You get paid upfront and assume no risk. At checkout, clients receive a link to complete their purchase through the provider on their own device, so they never enter a card with you directly.

If a client isn’t approved, they’ll need to use another payment method. Approval decisions are made by the BNPL provider and can vary based on factors like order amount or credit history. We recommend clients apply in advance so they know what options are available to them.

If you have BNPL online promotion turned on, this BNPL info page will be linked on your website—it walks clients through the step-by-step process and includes direct links to sign up with a provider ahead of their appointment.

You’ll pay 6% + 30¢ per transaction when a client chooses Buy Now, Pay Later at checkout. This is higher than the standard 2.6% rate as BNPL involves trusted third-party providers who take on all repayment risk—so you get paid in full, upfront, every time. The option to pass this fee onto clients isn’t available for this feature as it’s against our BNPL provider partners’ terms and conditions.

This is a completely optional payment method, and can be turned on or off anytime under Settings -> Card reader & Checkout -> Checkout Settings.

Deposits work exactly as they do now! Clients pay them upfront at the time of booking. BNPL is simply another payment method available at checkout, and it would only be used on the remaining balance. For example, if the total is $200 and the deposit was $50, BNPL can be used to pay the remaining $150.