- 1 day ago
- 8 min read
Turn your ideas into sales and start selling with Wix eCommerce→
Buy now pay later (BNPL) with Wix lets you offer customers flexible installment payment options at checkout, while you get paid the full amount upfront. Through Wix's buy now pay later solutions, you can connect leading BNPL providers including Affirm, Afterpay and Klarna directly from your payments dashboard, alongside your existing payment methods.
This guide covers everything you need to set up BNPL on your eCommerce website: how it works, which providers Wix supports through Wix Payments, the merchant benefits and how to get it live in a few steps.
TL;DR: buy now pay later with Wix
Topic | Key point |
What BNPL is | Customers pay in installments over time. You get paid in full upfront by the BNPL provider. |
BNPL via Wix Payments (US) | Affirm, Afterpay and Klarna. Enable with a toggle directly from your Wix payments dashboard. |
Third-party BNPL on Wix | 15+ global providers including Sezzle, PayPal Pay Later, Clearpay, Klarna, Splitit and more. |
Multiple providers | You can run multiple BNPL providers at once alongside cards, Apple Pay and Google Pay. |
To get started | Upgrade to a Wix Premium plan, go to Accept Payments in your dashboard and connect a provider. |
Explore: what is checkout customization?
Ready to launch your eCommerce business? With Wix eCommerce, you can build a professional online store that attracts customers, drives sales and grows your brand. Enjoy full customization, built-in SEO and powerful marketing tools, all in one platform. Start today and turn your vision into success.
How buy now pay later works on Wix
When you enable buy now pay later on your Wix store, a BNPL payment option appears automatically at checkout and on your product pages, with no storefront code required. As part of Wix's eCommerce payment processing, shoppers see installment amounts in real time alongside your other payment methods and can choose BNPL at the point of purchase.
Here's how a BNPL transaction flows through your Wix online store:
Customer selects BNPL at checkout: The installment option appears alongside cards, Apple Pay and Google Pay. Shoppers see the number of payments and the amount per installment before confirming.
The BNPL provider runs a real-time credit check: This is typically a soft check that doesn't affect the customer's credit score. If approved, the customer selects a repayment plan and completes the purchase.
You receive the full payment upfront: Through the Wix payment processing infrastructure, the order is passed to your BNPL provider, who pays you the full sale amount minus their transaction fee. You carry no credit risk.
The provider manages all repayment: Installment collection, reminders and any late payment handling sit entirely with the BNPL provider. Your store receives the money and moves on.
Customers can register or log in to their BNPL account: First-time users are redirected to create an account with the provider. Returning customers log in and confirm their plan. The whole process takes seconds.
Wix supports multiple BNPL providers running simultaneously as part of its broader suite of online payment solutions. You can offer Affirm, Afterpay and Klarna at the same checkout, each appearing as a separate option, giving customers the flexibility to choose the plan that works for them.
Read more: what is Wix Payments?
BNPL providers available on Wix
Wix gives you two ways to add buy now pay later to your store: through Wix Payments or by connecting a third-party BNPL provider directly. Both routes integrate into your eCommerce checkout automatically once connected.
BNPL through Wix Payments
US merchants using Wix Payments can enable three BNPL options directly from their payments dashboard with a single toggle:
Affirm: Flexible installment plans with longer repayment windows, well suited to higher-ticket purchases.
Afterpay: Interest-free payments split across four installments over six weeks, with automated reminders to keep customers on schedule.
Klarna: Multiple plan types including pay in four, pay in 30 days and longer-term financing, depending on purchase size.
BNPL through Wix Payments runs alongside your other Wix Payments methods: cards, Apple Pay, Google Pay, POS and Tap to Pay, with no separate account or integration needed. See the full setup steps in the Wix support article on installment payment options.
Third-party BNPL providers on Wix
For merchants outside the US, or those using a third-party payment processor, Wix supports international eCommerce and a broad range of BNPL providers globally. Each connects directly to your Wix checkout:
Klarna: Available in 22+ countries including Australia, Canada, France, Germany, Spain, Sweden, the UK and the US.
Afterpay: Available in Australia, Canada, New Zealand and the US.
Sezzle: Available in the US, Canada and Germany.
PayPal Pay Later: Available in 200+ countries. Includes a PayPal Pay Later button option at Wix Store checkout.
Clearpay: Available in the UK.
Splitit: Available across the US, UK, Europe and more.
Laybuy: Available in Australia, New Zealand and the UK.
Atome: Available across Asia-Pacific markets including Singapore, Hong Kong, Indonesia, Malaysia and more.
For the full list of supported providers by region, see the Wix support article on paying in installments and learn how to accept international payments on Wix.
Why merchants add BNPL to their Wix store
Adding buy now pay later to your Wix store does more than give customers another way to pay. The installment model changes the purchase decision and the data reflects it.
01. You get paid in full, upfront
When a customer chooses BNPL at your Wix checkout, the BNPL provider pays you the full sale amount at the time of transaction. You don't wait on installments, manage a repayment schedule, or absorb credit risk if a customer misses a payment. That responsibility sits entirely with the provider.
"Wix Payments is built into the platform so businesses can start accepting payments quickly once their site goes live. The setup experience is streamlined and designed to help business owners start selling with confidence. The checkout experience customers see is clean, professional and trustworthy and that confidence plays an important role in conversion." — Mariia Liakhova, Product Marketing Manager for Payments at Wix
Sophia Mikelionis, founder of career confidence coaching business Gearing Together, saw this play out directly after connecting Affirm and PayPal Pay Later to her Wix booking flow. Clients who had previously hesitated on her coaching packages began closing because they could spread the cost across installments.
"Affirm and PayPal are key for leaders investing in themselves," she says. "By offering payment options clients could justify the expense by looking at it in terms of fancy coffees or massages rather than a huge lump sum." Within a year of launching, 90% of her client flow was fully automated on Wix.
Learn more: What is a payment gateway?
02. Higher conversions and lower cart abandonment
Breaking a $300 item into six $50 payments removes the sticker shock that causes hesitation at checkout. Merchants who add BNPL typically see conversion rates improve by 20–30% and cart abandonment drop by up to 35% (Webmedic). A study by Pymnts found that 43% of shoppers will abandon a purchase outright if BNPL is not available.
"Offering multiple payment methods is a decisive factor when buying online. If the website does not offer the consumer's preferred payment option, it is very likely they will abandon the purchase." — Letícia Fernandes, Head of Institutional Marketing at Pagar.me
Explore more eCommerce statistics.
03. Higher average order value
Customers who can spread the cost tend to spend more. Klarna reports a 23% increase in average order value for merchants using their service and in some cases merchants see up to 50% AOV uplift. BNPL makes it easier for customers to add premium items or accessories they might otherwise skip.
04. Reach more customers
BNPL is especially popular with younger shoppers, with Millennials and Gen Z accounting for a disproportionate share of adoption. For stores targeting these audiences, BNPL is increasingly a baseline expectation. It also opens your store to customers who prefer not to use credit cards but still want payment flexibility.
How to add buy now pay later to your Wix store
Setting up BNPL on Wix takes a few steps from your payments dashboard. Once connected, the installment option appears automatically at checkout and on product pages, with no storefront edits needed.
Upgrade to a Wix Premium plan: You'll need a plan that allows you to accept payments. If you're already on a paid plan, confirm that payments are enabled.
Go to your payments dashboard: From your Wix dashboard, navigate to Accept Payments, then Add Payment Methods.
Select and connect your BNPL provider: US merchants using Wix Payments can enable Affirm, Afterpay or Klarna with a single toggle. For third-party providers, follow the connection steps for each.
Go live: BNPL appears immediately as a payment option at checkout and on product pages. Customers see installment amounts in real time.
Worth knowing: BNPL is an additional payment method, not a replacement for your existing checkout customization with Wix options. Most merchants keep cards, Apple Pay and Google Pay active alongside BNPL. Giving customers more ways to pay reduces the friction that prevents a sale, not create it.
Learn more:
Things to consider before enabling BNPL on Wix
BNPL is a strong addition for most Wix stores, but it's worth understanding the trade-offs before connecting a provider.
As with any decision involving your online store, payment options should align with your products, margins and customer expectations.
Transaction fees: BNPL providers charge a per-transaction fee, typically higher than standard card processing rates. For mid-to-high ticket items this is generally manageable. For very low-priced products, factor the fee into your margin calculation before enabling BNPL across your full catalog. Many merchants evaluate BNPL alongside other eCommerce tools to determine the best checkout experience for their business.
Customer accounts: Shoppers need to create or log into an account with the BNPL provider at checkout. First-time users are redirected briefly to register before completing their purchase.
Credit approvals: BNPL providers run a soft or hard credit check when a customer selects BNPL. Some customers may not be approved, meaning they'll need to use another payment method. Having cards and other options active alongside BNPL ensures no sale is lost because of a declined application.
Product fit: BNPL performs best for items priced at $50 and above, where the installment structure meaningfully changes the purchase decision. For very low-cost products, the benefit is smaller and the transaction fee proportionally larger. This is especially relevant when planning your eCommerce website design and checkout strategy.
Regulatory landscape: BNPL regulation is evolving in several markets including the US, UK and EU. It's worth staying across the rules in your region, particularly around consumer disclosure requirements.
As AI in eCommerce continues to reshape online shopping experiences, flexible payment methods like BNPL can help meet changing customer expectations. If you're just getting started, learning how to sell on Wix can help you build a payment strategy that supports both conversions and long-term growth.
Create your eCommerce website with Wix Harmony today and start selling with the payment options your customers expect.
Buy now pay later with Wix FAQ
What BNPL providers does Wix support?
Wix supports Affirm, Afterpay and Klarna via Wix Payments for US merchants, plus a wide range of third-party BNPL providers globally including Sezzle, PayPal Pay Later, Clearpay, Laybuy, Splitit, Atome and more. Multiple providers can be active on your store simultaneously.
If you're new to the platform, learn what is Wix eCommerce and how Wix's payment ecosystem supports online selling.
Do I get paid upfront when a customer uses BNPL on Wix?
Yes. The BNPL provider pays you the full sale amount at the time of purchase, minus their transaction fee. You carry no credit risk and have no involvement in collecting installment payments from the customer.
Can I offer multiple BNPL providers on my Wix store?
Yes. Wix allows multiple BNPL providers to be active simultaneously. Each appears as a separate payment option at checkout alongside your other payment methods.
Offering flexible payment options can support your broader strategy for how to sell online and improve the checkout experience for different customer preferences.
What plan do I need to use BNPL on Wix?
You need a Wix Premium plan that allows you to accept payments. Once you're on a qualifying plan, you can connect BNPL providers from the Accept Payments section of your Wix dashboard.
BNPL can also be combined with other growth features, including Wix's AI agents for eCommerce, to help automate and optimize the shopping experience.
