buy-now-pay-later

Add 'klarna' and 'afterpay_clearpay' to the payment_method_types array when creating a Stripe PaymentIntent server-side, alongside 'card'. On the frontend, render Stripe's PaymentElement with a tabs or accordion layout, which automatically shows BNPL options for eligible order amounts without any separate SDK.

Klarna ($10–$10,000, ~2.49% + $0.30 fee) and Afterpay ($35–$2,000, 4–6% fee) have the broadest platform support and lowest setup friction. Add Affirm ($50–$17,500) for high-ticket items over $1,000 where monthly financing matters more than 4-installment splits.

Yes. Shopify Payments includes Klarna and Afterpay built in. Go to Settings → Payments → Shopify Payments → Manage and toggle them on under wallets and payment methods. For product page messaging, install the provider's on-site messaging app separately.

The order amount is likely outside the provider's eligible range, or the API credentials are configured for the wrong environment (sandbox vs. live). Verify the order total falls within the provider's minimum and maximum, and check credentials in the plugin or app settings.

Use the klarna-placement or afterpay-placement web components with the provider's script loaded. Klarna's data-purchase-amount takes cents, while Afterpay's data-amount uses two-decimal dollars. Refresh the Klarna widget via Klarna.OnsiteMessaging.refresh() when variant prices change.

Afterpay charges 4–6% per transaction, roughly 2–3x a standard card fee, so margins must support the rate. BNPL disputes are handled by the provider rather than your payment processor, requiring clear tracking and delivery confirmation in fulfillment.