Buy Now, Pay Later
Flexible payments, choose what works for you
Take control of your finances. This flexible payment option breaks down a single large payment into smaller, pre-scheduled installments so that you can enjoy your service now without the stress of an immediate, full-cost purchase.
How does BNPL work?
STEP 1
Open the invoice you’d like to pay over time.
STEP 2
Select Buy Now, Pay Later as a payment option on the checkout page.
STEP 3
Sign up for a BNPL provider (Affirm or Afterpay), complete a quick eligibility check and select the available payment plan that fits your budget.
Buy with confidence
With Affirm, what you see is what you get. Your payment schedule is always upfront and easy to understand. You’ll never face late fees, hidden costs, or surprises.
Transparent
Affirm tells you up front the total amount you’ll pay. No hidden fees, no surprises.
Flexible
You choose the payment schedule that works for you.
Fair
Affirm won’t charge you late fees or penalties of any kind, ever.
Choose how you pay
With Afterpay, your payment schedule is clear from the start, so you can choose an option that fits your budget and stay on track. Payment options are subject to eligibility.
Interest-free payments
Pay in 4 with Afterpay is interest-free*, with no late fees when you pay on time.
Simple
Split the total into 4 payments: the first due at checkout, and the rest due generally every 2 weeks.
Stay in control
Track your schedule in the app and get reminders. Late fees may apply if payments aren’t successfully processed.
Pay over time, your way
With Klarna, you get flexible payment options so you can split the invoice into smaller payments. You'll see your full payment schedule before you confirm.
Flexible
Choose how you want to pay, including Pay in 3 or 4 interest-free payment options.
Quick
Select Klarna when you pay the invoice, complete a quick eligibility check, and pick the plan that fits your budget.
Stay in control
Track your payments in the Klarna app.
Frequently Asked Questions
(BNPL)
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.
Frequently Asked Questions
(Affirm)
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.
Frequently Asked Questions
(Afterpay)
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.
Frequently Asked Questions
(Klarna)
Klarna is a Buy Now, Pay Later option that lets you split an invoice into smaller payments if you're eligible. Most people choose Pay in 3 or 4: three or four interest-free payments, with the first at checkout and the rest typically spread equally across the installments. Others may prefer to Pay Later, in a single payment in 30 days. For larger invoices, you may be offered monthly payments over a longer term, where available.
When paying a FreshBooks invoice, select Buy Now, Pay Later, then Klarna. After a quick eligibility check, you'll see the payment plans available to you. Once you choose a plan, your invoice is marked as paid.
Checking your eligibility won't affect your credit score. Klarna uses a soft credit check for both Pay in 3 or 4 and Financing.
To pay a FreshBooks invoice with Klarna, you need to be in the United States or Canada. Klarna checks eligibility automatically at checkout.
Affirm disclaimers:
Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. For Affirm Terms of Service, please visit https://stripe.com/legal/affirm
Canada residents: "Payment options through Affirm Canada Holdings Ltd. (“Affirm”) are subject to an eligibility check, and depend on purchase amount, payment terms, vary by merchant, and may not be available in all provinces/territories. Minimum purchase and down payment may be required.
Afterpay disclaimers
Late fees may apply. Eligibility criteria apply. See www.afterpay.com for more details. Loans to California residents made or arranged pursuant to a California Finance Lenders Law license. ©
You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Loans through the Afterpay Pay Monthly program are underwritten and issued by the First Electronic Bank. A down payment may be required. APRs range from 0.00% to 35.99%, depending on eligibility and merchant. As an example, a 12 month $1,000 loan with 21% APR would have 11 monthly payments of $93.11 and 1 payment of $93.19 for a total payment of $1,117.40. Loans are subject to credit check and approval and are not available in all states.Valid debit card and acceptance of final terms required to apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. See here for complete terms.
2025 Afterpay US
Klarna Disclaimer
Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
