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Buy now pay later

Buy Now, Pay Later

Attract more customers. Grow your business.

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Drive sales and average order value

Empower your customers with more payment choices by including Buy Now, Pay Later (BNPL), powered by Carat.

Increase sales velocity and drive spend with one the fastest growing alternative payment options.​

​

+18% Growth

  in average order value 1

83%

of users wish Buy Now, Pay Later was accepted by more businesses 2

The top choice for clients

  • Amplify revenue with flexible payment methods
  • Deliver enhanced customer experiences
  • Eliminate barriers, gain more customers
Download the Action Plan
BNPL graphic
Single platform man in chair

Single platform. Streamline customer enrollment.

Unlock payment simplicity and flexibility: Integrate multiple BNPL options through a single, unified platform.

 

✓   Minimal tech lift

✓   Unified reporting

✓   Easy to use

✓   Proven sales growth

Ideas and inspiration

article

Article

Best practices for implementing a Buy Now, Pay Later (BNPL) solution

article

Article

Driving commerce beyond the buy button

article

Press Release

Fiserv to simplify how businesses enable Buy Now, Pay Later

Tell us your vision and we'll bring the solution

We will work with you to understand your business needs and show you how to best leverage our solutions to make your vision a reality.

Contact us

Sources: 1. Zip statistic based on multiple merchant case studies; individual results may vary.  2. The Strawhecker Group, April 2021

Explore more Carat solutions

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  • Fraud Mitigation
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© 2025 Fiserv, Inc. or its affiliates. All rights reserved. Fiserv and Carat are trading names, trademarks, registered trademarks, service marks or registered service marks of Fiserv, Inc. or its affiliates. All trademarks referenced here are the property of the respective owners. First Data Merchant Services LLC is a registered ISO of Wells Fargo Bank, N.A, Concord, CA; Deutsche Bank G, New York, NY; BBVA USA, Birmingham, AL; MVB Bank, Fairmont, WV; and Pathward, N.A, Sioux Falls, SD. Outside of the US, Carat may be provided by Fiserv affiliates and/or financial service providers in the applicable region. Carat solution availability and functionality may vary by region. Contact us for further information.

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