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Buy Now, Pay Later

Attract more customers. Grow your business.

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Drive sales and average order value with Buy Now, Pay Later

Buy Now, Pay Later (BNPL) is now available as a payment option for your customers through Carat.

Increase sales velocity and drive spend with the fastest growing alternative payment option in North America.

3x Growth

Buy Now, Pay Later outpaced total online sales growth by a 3x factor for the 2021 holiday shopping season1

83%

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

Why Carat Pay Later?

Why customers want it

  • Easy to use
  • Ability to buy today
  • Flexible payment options
  • Clear and transparent terms

 

How it helps you

  • Drive conversions and repeat sales
  • Grow average order value
  • Attract more shoppers
  • Grow your business with no payment risk
  • Multiple Buy Now, Pay Later options
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We offer BNPL options with multiple partners…

Carat makes it easy to offer BNPL. Learn about our respected partners and select the best payment options for your business.

Man showing woman tire options

Pay Later with Affirm

Give your customers a smarter way to pay with no hidden fees or surprises.

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Pay Later with Zip

Boost ecommerce conversions and empower shoppers to pay their way, anywhere.

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With Carat, paying later is easy

Single platform integration for multiple BNPL enrollments where merchants can get all payment options with Carat.​

Minimal tech lift. Multiple partner options. Easy to use.

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Minimal Tech Lift
Multiple Partner Options
Easy to Use
Unified Reporting
Proven Sales Growth

FAQs

Pay Later is Carat's Buy Now, Pay Later service in partnership with multiple providers. Carat's simplified Payment APIs makes it easy for ecommerce to offer payment methods through a single integration of multiple Buy Now, Pay Later options. This leaves you with a unified and elegant integration that requires minimal development time and maintenance, regardless of which payment methods you implement through Carat.

Determining the right Buy Now, Pay Later provider depends on a few variables, such as the types of items you sell and your average order value. Most of our partners offer both pay-in-4 and monthly installment loan options. Contact us today for more information.

Our Buy Now, Pay Later partners typically charge a merchant discount rate (MDR) and/or transaction fee. The fee per transaction is based on a few factors, including the program options you choose, your business size, and your risk profile. Rates are transparent with no hidden fees. Contact us today for more information.

Your enabled Buy Now, Pay Later option can be messaged to customers at multiple touchpoints throughout your website, including homepage, product, cart and checkout pages. Customers can then select their preferred Buy Now, Pay Later option as a payment method, sign up with a few pieces of information and get approved for a payment plan in real-time. Once your customer selects their payment plan, you will be able to process the order and offer confirmation.

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Our sales team is available to answer any of your questions at a time that works best for you.
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Ideas and inspiration

Woman sitting on couch

Buy Now, Pay Later

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

Circular abstract view of city building

Buy Now, Pay Later

Driving commerce beyond the buy button

Hands holding shopping bags

Buy Now, Pay Later

Fiserv to simplify how businesses enable Buy Now, Pay Later

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Sources: 1. Adobe, January 2022; 2. The Strawhecker Group, April 2021

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