Buy Now, Pay Later with Klarna and Clearpay

Buy Now, Pay Later lets customers split what they pay into instalments with Klarna or Clearpay. It all runs through your Stripe account: Stripe handles the lending, and you're paid in full up front.

Stripe approves each one separately

When you set up card payments, Comrc asks Stripe to turn on Klarna and Clearpay for your account as well. Stripe decides on each one separately, and in its own time. Your card payments need to be Active first.

In Settings → Payments, the Buy Now, Pay Later section shows where each one is:

• Active: Stripe has approved it.
• Pending review: Stripe is still deciding.
• Not available: it isn't approved for your account.

Turn it on

1. 1Open Settings → Payments and find Buy Now, Pay Later.
2. 2Turn on Offer Buy Now, Pay Later (Klarna, Clearpay).

The switch stays greyed out, with "Available once Stripe approves Buy Now, Pay Later for your account", until your card payments are Active and Stripe has approved at least one of the two. It's off until you turn it on, because these payment methods have their own Stripe fees. Check Stripe's pricing before you decide.

Customers only see the providers that are Active. If only Klarna is approved, only Klarna is offered.

What customers see

• On product pages and at checkout, a short message from Stripe shows how the price could be split.
• At checkout, they choose Pay later — Klarna, Clearpay ("Split into instalments with Klarna or Clearpay").
• They finish on Stripe's secure page with Klarna or Clearpay, where the provider decides whether to offer them credit.

Klarna and Clearpay each have their own minimum and maximum order amounts. Stripe doesn't offer a provider for an order outside its limits, so the customer won't be offered it for that order.

Pay later is part of the shop checkout. The food ordering checkout doesn't offer it.

When the order is paid

A Klarna or Clearpay payment is confirmed a little after the customer leaves Stripe's page. Until then the order's payment shows as Pending, and it isn't cancelled as abandoned while Stripe is still confirming it. When Stripe confirms the payment, the order is marked Paid; if the provider declines it, the payment shows Payment failed. Wait for Paid before you send the order.

Fees

On a Flex plan, Comrc's per-sale fee is the same as for a card payment. See Payouts and fees.

Refunds

You refund a Klarna or Clearpay order the same way as a card order, in full or in part. The refund goes back through Stripe, and the provider applies it to the customer's account under its own rules. See Refunding payments.