How to Add “Buy Now Pay Later” Payment Plans to WordPress

Many small business owners we’ve spoken to have told us that their customers hesitate to buy expensive items all at once. Adding a ‘Buy Now, Pay Later’ option to their WordPress stores helped solve that problem by giving shoppers more flexibility with payments.

With this method, customers can buy what they want today and pay it off over time, while the business still receives the full payment upfront. It’s an easy way to increase sales and make your products more accessible to more people.

In this guide, we’ll show you how to add ‘Buy Now, Pay Later’ payment plans to your WordPress website.

Why Offer Buy Now Pay Later Payment Plans?

The ‘Buy now pay later’ model helps improve conversions and average order value in your online store. This is because it makes it easier for your customers to make a purchase.

With buy now pay later, the customer has the ability to either pay nothing at the time of their online purchase or pay a very small amount upfront and then pay the remaining amount over time.

There are different types of buy now pay later models that you can use. For instance, customers can break the total amount into 3 or 4 installments, or they can pay the entire amount after a certain number of days. Some payment providers even offer to finance high-value or luxury goods.

The best part about offering a buy now pay later payment option is that your business receives the full payment up front and is protected from fraud. On the other hand, the customer gets the flexibility to purchase their preferred items and pay when it’s suitable for them.

For example, you can see that Airbnb offers several options at checkout: a pay in full, pay in partial, and a buy now pay later option with Klarna.

With that in mind, we’ll share how you can offer a buy now pay later payment plan in WordPress.

Here’s a quick look at the steps we’ll cover in this article:

• Adding a Buy Now Pay Later Payment Plan in WordPress
  • Creating a Klarna Buy Now Pay Later Payment Form
  • Creating an Afterpay/Clearpay Buy Now Pay Later Payment Form
• Frequently Asked Questions About Buy Now, Pay Later in WordPress

Let’s get started!

Adding a Buy Now Pay Later Payment Plan in WordPress

The best way to offer a pay later payment option in WordPress is by using WP Simple Pay. It’s the best Stripe payment plugin for WordPress that lets you accept online payments without the need to set up a shopping cart.

It’s helpful to think of WP Simple Pay as the bridge that connects your WordPress site to Stripe.

Stripe is a powerful payment gateway that securely processes payments and manages Buy Now, Pay Later services like Klarna and Afterpay.

We have also found WP Simple Pay to be the easiest way to connect Stripe to WordPress. It has a payment form builder, can easily accept one-time or recurring payments, and even integrates with Klarna and AfterPay for BNPL.

For more details about the tool, you can see our complete WP Simple Pay review.

First, let’s install and activate the WP Simple Pay plugin. If you need help, then please see our guide on how to install a WordPress plugin.

Upon activation, the plugin will automatically launch the setup wizard. Go ahead and click the ‘Let’s Get Started’ button.

After that, you’ll need to enter the license key. You can easily find the license key in the WP Simple Pay account area.

Simply copy the license key and paste it into the setup wizard. Once that’s done, you can click the ‘Activate and Continue’ button.

In the next step, you’ll need to connect your Stripe account with WP Simple Pay.

Stripe is one of the most popular payment gateways, and anyone with a legitimate business can create a Stripe account to accept online payments.

Next, let’s click the ‘Connect with Stripe’ button to continue.

Now, you’ll want to log in to your Stripe account or create a new one and follow the onscreen instructions to connect it with WP Simple Pay.

An important thing to remember is that Stripe requires sites to have SSL encryption.

Most WordPress hosting comes with a free SSL certificate these days. If you don’t have an SSL certificate, then please see our guide on how to move your website from HTTP to HTTPS.

After connecting WP Simple Pay with Stripe, the setup wizard will ask you to configure the emails.

You can enable options to receive email notifications for payment receipts, upcoming invoices, and payment notifications by entering the email address to which to send them.

Simply click the ‘Save and Continue’ button when you’re done.

The last step in the setup wizard is to create a payment form. Go ahead and click the ‘Create a Payment Form’ button.

WP Simple Pay offers 2 payment methods through which you can accept buy now pay later payments, including Klarna and Afterpay/Clearpay.

The choice between the 2 methods depends on where you’re located and which method best suits the type of products you’re selling. That’s because Klarna and Afterpay work in selected regions and allow you to sell certain products.

Let’s take a closer look and create payment forms for both the buy now pay later payment methods.

Creating a Klarna Buy Now Pay Later Payment Form

Klarna offers 4 ways customers can buy now and pay later. They can pay in 3 or 4 interest-free installments, pay later after 14, 21, or 30 days, pay the full amount immediately using a credit card, or get financing and spread the total amount over multiple months.

The type of buy now pay later model available to your customers will depend on which country they’re located in.

Klarna is available if you’re located in Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Netherlands, Norway, Slovakia, Slovenia, Spain, Sweden, United Kingdom, and the United States.

Please note that Klarna is not available for use by charities, political organizations, parties, or initiatives.

To start creating a payment form, you can click the ‘Create a Payment Form’ button in the setup wizard or go to the WP Simple Pay » Add New page from your WordPress admin panel.

Now, simply select the ‘Klarna (Buy Now, Pay Later) Form’ template.

After that, head over to the ‘Payment’ tab to add prices.

Here, you can enter the amount, change the label, and choose whether to accept one-time or subscription-based payments.

Next, you can go to the ‘Form Fields’ tab and add any additional fields you’d like to add to the form.

Under the ‘Payment Methods’ section, you’ll see that the Klarna option will be enabled. You can also add more payment methods to your form if you want.

Next, you can preview and publish your payment form.

After that, simply add the form to any landing page or blog post on your website.

To do that, simply go to the WordPress content editor and add a ‘WP Simple Pay’ block. Then select your Klarna buy now pay later payment form from the dropdown menu.

Next, you can preview the form and publish it.

Simply visit your website to see the buy now pay later payment form in action.

When a customer chooses a ‘Buy Now, Pay Later’ option on your site, they will be redirected to the Klarna or Afterpay website. Here, they must securely log in or create an account to approve their payment plan.

Once finished, they’ll be sent right back to your website.

Creating an Afterpay/Clearpay Buy Now Pay Later Payment Form

Afterpay/Clearpay is another payment method through which you can accept buy now pay later payments.

Afterpay is available in Australia, Canada, France, Italy, New Zealand, Spain, the United Kingdom, and the United States.

Unlike Klarna, Afterpay only allows customers to pay in 4 installments. Plus, you cannot use the payment method to sell alcohol, digital games and apps, donations, electronics, flash sales, pre-orders, or travel.

To create an Afterpay payment form, you can head to the WP Simple Pay » Add New page from your WordPress admin panel and select the ‘Afterpay/Clearpay (Buy Now, Pay Later) Form’ template.

Next, you can navigate to the ‘Payment’ tab and set up your prices.

The plugin allows you to choose a payment mode, enter a label, choose a payment amount, and select one-time or subscription-based payment.

After that, you can head over to the ‘Form Fields’ tab to add more form fields.

You can also check that the Afterpay payment option is enabled under the ‘Payment Methods’ section and add more payment options to your form.

Now, go ahead and preview your payment. If everything looks good, then simply click the ‘Publish’ button.

Finally, you can add this form to any page just like you did with the Klarna form.

Simply add the ‘WP Simple Pay’ block in the editor and select your Afterpay form from the dropdown menu.

After that, you can preview your page and publish it.

Now visit your website to see the Afterpay buy now pay later payment form in action.

Frequently Asked Questions About Buy Now, Pay Later in WordPress

Here are some questions that our readers frequently ask about buy now, pay later plans in WordPress:

What is the main benefit of offering ‘Buy Now, Pay Later’ (BNPL)?

The biggest advantage of “buy now pay later” is that it makes your products more affordable for customers by splitting the cost into smaller, interest-free installments. This can lead to higher conversion rates and a larger average order value for your business.

Do I get paid the full amount immediately with BNPL?

Yes. When a customer makes a purchase using a buy now pay later service like Klarna or Afterpay, you receive the full payment upfront from the provider. They then take on the responsibility of collecting the installment payments from the customer.

Are there fees for merchants using BNPL services?

Yes, buy now pay later providers charge merchants a per-transaction fee. This fee is typically a bit higher than standard credit card processing fees, as it covers the service cost and the risk of customer non-payment.

What is the easiest way to add BNPL payment plans to WordPress?

For most users, a plugin like WP Simple Pay is the simplest method for accepting “buy now pay later” payments in WordPress. It integrates directly with Stripe and allows you to add Klarna and Afterpay payment forms without needing to set up a full eCommerce shopping cart.

Can I offer BNPL with WooCommerce?

Absolutely. Major providers like Klarna, Afterpay, and Affirm offer official extensions for WooCommerce. These allow you to seamlessly add their payment options to your existing WooCommerce checkout page.

We hope that this article helped you learn how to add ‘Buy Now, Pay Later’ payment plans to WordPress. You can also check out our guides on how to connect WordPress to PayPal Commerce and how to pass payment processing fees to customers.

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