Buy Now Pay Later on Yocale is built-in to our integrated payments system and is available for anyone who uses it.
Why is BNPL such a big deal? Well, we’ve three big reasons for why it can add a whole lot to your business:
Reason 1: Drive Revenue with Higher Ticket Sizes
When clients have the option to split a large total into smaller, interest-free installments, they often feel more comfortable choosing premium services.
By lowering the immediate cost barrier, you can successfully upsell packages and more expensive service tiers that might have previously seemed out of reach for some clients.
Reason 2: Increase Conversion and Reduce Booking Hesitation
Price is often the main reason a potential client hesitates to book an appointment. By providing BNPL options during the booking process, you reduce this friction. This shift in perception helps convert visitors into confirmed appointments.
Providing these options at the moment of decision helps turn "too expensive" into a booked appointment.
Reason 3: Maintain Protected Cash Flow
While the client pays in installments over several weeks or months, your business does not have to wait for the funds. When a client uses Afterpay, Klarna, or Affirm through Yocale, you are paid the full amount upfront. The BNPL provider manages the payment schedule with the client and assumes all risk of repayment.
You get the benefit of offering flexibility without taking on significant financial risk.
Did you know?
48% of US consumers surveyed by Visa say they would use installment plans in the future.
73% of US consumers surveyed by Visa have made one or more payments via installments in the last 6 months (81% for Gen Z and Millennials!)
Part of Yocale’s Integrated Payments
We believe that managing your business is easier when your scheduling and financial tools work together. BNPL through Yocale means you keep all your records in one place and provide a professional, seamless experience for your clients.
You can find more details about how these features work with our hardware and software on our integrated payments and POS page.
How to start using Buy Now Pay Later in Yocale
Any Yocale user with an active integrated Stripe account can navigate to the “Payment Methods” page and toggle on the BNPL options they want to offer. For a more complete guide on activating BNPL in Yocale, including how to set transaction limits, please refer to our full support article on the topic.
Frequently Asked Questions
How does Buy Now, Pay Later work for my business?
Buy Now, Pay Later allows your clients to choose Afterpay, Klarna, or Affirm at checkout to split their purchase into smaller installments. While the client pays over time, Yocale ensures your business receives the full payment upfront. This process is handled automatically within your existing booking flow.
When do I receive the funds from a BNPL transaction?
You are paid the full amount of the service or product immediately, minus the standard merchant processing fee. You do not have to wait for the client to complete their installment plan to access your revenue.
What are the processing fees for BNPL transactions in Yocale?
You can view the full list of our processing fees for BNPL in this support article.
Who takes the risk if a client fails to make a payment?
The BNPL provider assumes all credit risk. Once a transaction is approved and processed, you are guaranteed the full payment. If a client misses an installment or defaults on their plan, the provider manages the collection process directly with them, and your payout remains unaffected.
Are there additional costs for offering these payment methods?
There are no setup fees to enable BNPL on Yocale. Like standard credit card processing, a merchant fee is applied to each transaction. These fees are transparently listed here.
What is the refund process for BNPL bookings?
You can manage refunds directly through your Yocale dashboard. When a refund is issued, the BNPL provider automatically adjusts the client’s installment schedule or returns any payments they have already made. This keeps your records accurate and your administration simple.
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