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Buy Now, Pay Later

Buy Now, Pay Later (BNPL) is a form of short-term financing that lets customers pay for purchases in installments instead of all at once. The BNPL provider pays the business the full amount upfront (minus a transaction fee), and the customer then pays the BNPL company over time. This gives clients financial flexibility and ensures your business gets paid immediately.

Getting paid with Buy Now, Pay Later is seamless. Simply select it as a payment option when you send your invoice through FreshBooks. When your client receives the invoice, they can choose to pay over time with Affirm, Afterpay, or Klarna and go through a quick, transparent approval process. The best part? You'll receive the full invoice amount immediately, so you can keep your cash flow steady while your client enjoys the flexibility of paying over time.

Buy Now, Pay Later with Affirm, Afterpay, or Klarna is available as a payment method exclusively with FreshBooks Payments powered by Stripe, subject to eligibility.

With BNPL, the provider (like Affirm, Afterpay, or Klarna) assumes this risk. As the business owner, you get the full amount of the invoice upfront, minus a transaction fee, regardless of whether the client makes payments to the BNPL provider on time. Your cash flow is protected.

Affirm is a Buy Now, Pay Later option that lets you split an invoice into smaller, scheduled payments over time. Depending on the invoice amount and eligibility, you may see Pay in 4 (interest-free, biweekly installments on totals up to $250) or monthly installments (terms can range from 3 to 36 months, with APR varying by eligibility).

When paying a FreshBooks invoice, select Buy Now, Pay Later, then Affirm. After a quick eligibility check, you'll see the payment plans available to you if approved. Once you choose a plan, your invoice is marked as paid.

You can use Buy Now, Pay Later on invoices ranging from $50 minimum to $30,000 maximum in CAD or USD. You and the business you're paying need to be in the same country.

Afterpay is a Buy Now, Pay Later option that lets you split an invoice into smaller payments over time. Most commonly, people choose Pay in 4 (four installments over about six weeks). In some cases, monthly installment options may also be available, depending on eligibility and purchase amount.

When paying a FreshBooks invoice, select Buy Now, Pay Later, then AfterPay. After a quick eligibility check, you'll see the payment plans available to you, along with the payment schedule and any applicable terms. Availability and terms can vary based on eligibility and purchase amount.

Klarna is a Buy Now, Pay Later option that lets eligible clients split an invoice into  smaller payments. Most commonly, clients choose Pay in  3 or 4: three or four interest-free, biweekly payments, typically spread equally across the installments but Klarna may charge more in the first installment. They may also Pay Later, in a single payment in 30 days. For larger invoices, clients may be offered monthly payments for up to 36 months, where available.

When paying a FreshBooks invoice, your client selects Buy Now, Pay Later, then Klarna. After a quick eligibility check, they see the available payment plans, such as Pay in 3 or 4 or monthly financing. Once they choose a plan, the invoice is marked as paid.

You get paid upfront and in full (minus the transaction fee). Klarna collects the payments from your client, so you don't have to chase installments.

No. Klarna uses a soft credit check, so it doesn’t affects your client's credit score. Klarna handles the check directly with your client as part of the application.