Buy Now, Pay Later Integrations
Buy Now, Pay Later (BNPL) services let customers split a purchase into instalments while you receive the full amount up front. They can lift average order value, but they are not right for every business.
This article explains how BNPL works and the trade-offs to weigh.
How BNPL Works for You
The BNPL provider pays you in full and takes on the risk of collecting instalments from the customer. In return they charge a higher fee than a standard card payment.
Pros and Cons
- Pro: higher average order values and fewer abandoned baskets.
- Pro: you get paid in full, immediately.
- Con: fees are higher than ordinary card payments.
- Con: returns and refunds can be more complex.
Is It Right for You?
BNPL tends to suit higher-value consumer goods more than low-margin or B2B products. We help you model the fee impact against the likely uplift before committing.
Frequently Asked Questions
Do I carry the risk if a customer stops paying?
No. The BNPL provider takes on collection risk once they have paid you.
Will it affect my refund process?
Refunds are handled through the provider, so the flow differs slightly from a normal card refund. We document it for your team.
If you need a hand with any of this, your Progressive Robot delivery team is ready to help. Raise a ticket from the Support area of your client portal or speak to your account manager and we will guide you through the next steps.