Accepting Buy Now, Pay Later with Practice Better Payments – Help @ Practice Better

Buy Now, Pay Later (BNPL) gives your clients flexible payment options while ensuring you receive full payment upfront. Practice Better Payments supports Klarna, Affirm, and Afterpay/Clearpay, allowing clients to split purchases into installments.

⚠️ Buy Now, Pay Later methods for Practice Better Payments are currently available to customers in the United States, Canada, the United Kingdom, the European Union, the European Economic Area, Switzerland, Australia, and New Zealand.

In this article:

What is Buy Now, Pay Later?
Learn More About Each Provider
How BNPL Benefits Your Practice
How BNPL Works
Comparing BNPL Providers
Understanding BNPL Availability
Managing BNPL Payment Methods
Frequently Asked Questions

What is Buy Now, Pay Later?

Buy Now, Pay Later (BNPL) is a payment option that allows your clients to purchase your services, packages, or programs and pay in fixed installments over time, rather than paying the full cost upfront. When a client chooses BNPL at checkout, you receive the full payment (minus processing fees), while the BNPL provider collects the remaining installments directly from your client.

BNPL removes price as a barrier to working with you. Instead of asking clients to pay hundreds or thousands of dollars at once, they can break the cost into manageable payments.

⚠️ Important: Clients must select "Pay in Full" at the Practice Better checkout to choose a BNPL option. They cannot combine BNPL with Practice Better's payment plans feature.

Learn More About Each Provider

For detailed information, including fee structures, payment terms, settlement timing, and dispute procedures:

How BNPL Benefits Your Practice

For You:

Full Payment Upfront: You receive 100% of the payment upfront.
No Collection Hassles: The BNPL provider manages all installment collections.
Risk Protection: You keep your payment even if clients default on their installments.
Increased Sales: Clients who hesitate at full pricing can now afford your offerings.

For Your Clients:

Payment Flexibility: Split costs into manageable installments.
Accessibility: Access services, packages, and programs instantly with flexible financing.
Transparent Terms: See the complete payment schedule upfront before committing.

How BNPL Works

At Checkout:

Your client proceeds to the Practice Better checkout page and eligible BNPL options display automatically.
The client selects their preferred BNPL provider and is redirected to authorize the payment plan.
The provider presents available payment options based on the client's credit profile.
The client reviews the payment schedule, agrees to the terms, and makes the first installment (typically 25% of the total).
The client completes the purchase and immediately gains access to your services.

After Purchase:

You receive the full payment in your Practice Better Payments account within 1-5 business days.
The BNPL provider collects remaining installments directly from your client.
You focus on delivering service while the provider handles all payment collection.

Comparing BNPL Providers

Practice Better Payments supports three BNPL providers. Each serves different geographic markets and offers different payment terms.

Provider	Countries	Typical Payment Terms
Klarna	22 countries including US, Canada, UK, Europe, Australia, NZ	Pay in 3 or 4, Pay in 30 days, Financing (up to 36 months)
Affirm	US, Canada, UK	Pay in 4 (interest-free), Monthly (0-36% APR)
Afterpay/ Clearpay/ CashApp Afterpay	US, Canada, UK, Australia, NZ	Pay in 4 (interest-free, every 2 weeks)

For complete details about each BNPL payment method:

Understanding BNPL Availability

Practice Better Payments automatically displays the most relevant payment options based on factors like: your client’s address (as listed in their Practice Better profile), your Practice Better Payments account currency, the invoice currency, and applicable transaction limits and thresholds.

Available BNPL financing options and providers may vary for each client based on factors such as location, transaction amount, and individual credit history.

BNPL payment methods are only client-facing and won't be displayed to practitioners processing invoices in their Practice Better practitioner portal.

Clients can select the option to "Pay in full" and then choose "Another payment method" to select their preferred BNPL method.

BNPL is not available for:

Practice Better payment plans (clients must choose either BNPL or a payment plan — not both)
Purchases where "require billing information" or "save payment method" settings are enabled
Purchases with 100% discount coupons applied (no amount to finance)
Booking scenarios where no payment is collected (Suggest payment with no payment made, Display Fee, Hide Fee)
Transactions outside the provider's minimum and maximum limits
Cross-border transactions (with exception: Klarna supports cross-border for EU, EEA, UK, and Switzerland accounts)

Managing BNPL Payment Methods

BNPL options are automatically enabled once your Practice Better Payments account reaches "Complete" or "Enabled" status. The system displays available options dynamically to eligible clients.

Review the status of your Practice Better Payments account by going to your Practice Better Settings > Payments Dashboard.

The status of your Stripe account is displayed at the top right of your Practice Better Payments Dashboard.

Learn more about Understanding Your Stripe Account Status →

Disabling BNPL Payment Methods

If you do not wish to offer BNPL payment options, you can disable them respectively by following these instructions:

Log in to Practice Better.
Click on your Settings (gear icon) and select Payments Dashboard.
Click View in Stripe near the top-right.
After successfully logging in to Stripe, click the Settings (gear icon).
Select Payments from your Settings page.
Go to the Payment methods tab.
Locate the payment method (ie. BNPL method) in your list and click on it to expand the payment method panel.
Click Disable on the payment method you no longer want to accept.

Re-enabling BNPL Payment Methods

If you have disabled any BNPL payment methods and need to re-enable them, follow steps 1-7 above, and toggle the option to Enable your desired payment method.

All available payment methods for your Practice Better Payments account are enabled by default.

You would only need to re-enable BNPL Payment Methods if you have previously disabled them.

Viewing BNPL Transactions

Monitor all BNPL transactions through your Payments Dashboard:

In your Practice Better portal, go to Settings > Payments Dashboard.
Go to the Payments & Disputes tab to review your history of transactions in detail.
Apply payment method filters to view transactions by each specific BNPL.

Frequently Asked Questions

Q: Why isn't BNPL displaying at checkout?

A: Several settings can prevent BNPL options from appearing. For step-by-step troubleshooting and solutions, see Troubleshooting Buy Now, Pay Later Payment Options →

Q: Do I need my own separate account with each BNPL provider?

A: No. Practice Better Payments manages all three providers through your Stripe account.

Q: Which BNPL option should I recommend to my clients?

A: You don't need to recommend one. The BNPL payment options will automatically and dynamically display to your clients at checkout when you use Practice Better Payments.

Q: Why aren't BNPL methods displaying as a payment option?

A: BNPL options won't display if you've enabled the setting, in a service or an invoice, to require clients to save their billing information for future payments. This is because BNPL payment methods work differently than credit cards or bank debits.

With BNPL, the provider (Klarna, Affirm, or Afterpay) completes the payment on your client's behalf, then your client repays the provider directly over time. Since the payment doesn't come directly from your client's card or bank account, there are no billing details to store for future use. Practice Better cannot save BNPL provider credentials the way it stores credit card information.

💡 Tip: If you want to offer BNPL options, disable the "require billing information" setting for applicable invoices.

Q: Can clients use BNPL with Practice Better's payment plans?

A: No. BNPL is only available when clients select "Pay in Full" on the Practice Better checkout page.

Alternatively, practitioners can Set Up Payment Plans in Practice Better →

These are two different approaches to payment flexibility.

Q: What happens if my client defaults on BNPL payments?

A: The BNPL provider assumes all risk for defaults. Once they approve the transaction, you receive and keep the full payment.

Q: Can international clients use BNPL?

A: Cross-border (non-domestic) BNPL transactions are supported only by Klarna, and only for businesses located in the EU, EEA, UK, and Switzerland.

All other BNPL providers support domestic transactions only.

Q: How much do BNPL providers charge in fees?

A: BNPL fees range from approximately 3-6% plus a fixed fee per transaction, depending on the provider and your region. These fees are higher than standard credit card processing but often offset by increased conversion rates.

Q: Why are processing fees higher for BNPL methods?

A: While BNPL payment methods’ processing fees are higher than standard credit card fees, the increased conversion rates and larger average purchase amounts often offset this additional cost. Stripe research shows that offering Buy Now, Pay Later (BNPL) at checkout can increase revenue by up to 14%. Customers are more likely to complete their purchase—and often spend more—when BNPL is available.

For detailed fee structures, see each respective article:

Q: When will I receive payment from BNPL transactions?

A: Settlement timing varies by provider, typically ranging from 1-5 business days.

For specific payout (deposit) timing, see each respective article:

Q: How do refunds work with BNPL?

A: Process refunds through your usual workflow in Practice Better. The BNPL provider cancels future client payments and refunds installments already paid. Original transaction fees are not refunded. Refund time limits vary by provider (120-180 days from purchase).

💡 Need Help? Email payments@practicebetter.io with questions about BNPL payments. Our team has in-house payment expertise and works closely with Stripe to resolve payment-related questions.

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