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Buy Now, Pay Later
Buy Now, Pay Later payment methods enable customers to purchase goods or services
immediately and pay in installments over time. With Buy Now, Pay Later, you are paid
immediately and in full, while your customers pay nothing or only a portion of the total
at the time of purchase. The remaining balance is typically spread over equal, often
interest-free, payments.
Buy Now, Pay Later is increasingly popular for both online and in-store purchases.
IMPORTANT
Before you can enroll in these alternative payment method on
Unified Checkout
, you must first be enabled for the alternative
payment platform. Contact your portfolio administrator for more information.This is how Buy Now, Pay Later works:
Figure:
Buy Now, Pay Later
- The customer chooses their Buy Now, Pay Later payment method during checkout.
- The customer chooses how much they want to pay, such as nothing, installments, or the total amount.
- The unpaid amount is divided into equal installments that are paid over a fixed amount of time.
- You receive the full payment after the customer completes checkout, and the Buy Now, Pay Later provider collects the installment payments from your customer.
Unified Checkout
supports the Afterpay/Clearpay and Paypal Buy Now, Pay
Later payment methods.Payment Method | Capture Context allowedPaymentTypes | Capture Context completeMandate.type | Separate Capture? | Payment Confirmation | Customer Country (Country Code) | Customer ISO Currency Code |
|---|---|---|---|---|---|---|
Afterpay | AFTERPAY | CAPTURE | No | Immediate | Canada (CA) | CAD |
AUTH or PREFER_AUTH | Yes | Delayed | ||||
CAPTURE | No | Immediate | Australia (AU) | AUD | ||
AUTH or PREFER_AUTH | Yes | Delayed | ||||
CAPTURE | No | Immediate | New Zealand (NZ) | NZD | ||
AUTH or PREFER_AUTH | Yes | Delayed | ||||
Cash App Afterpay | CAPTURE | No | Immediate | United States (US) | USD | |
AUTH or PREFER_AUTH | Yes | Delayed | ||||
Clearpay | CAPTURE | No | Immediate | Great Britain (GB) | GBP | |
AUTH or PREFER_AUTH | Yes | Delayed |
For information on ISO country codes, see ISO Standard Country Codes.
For information on ISO currency codes, see ISO Standard Currency Codes.