Who This Is For / When to Use
This article is for:
Businesses using Invoices & Estimates in Kyrios
Accounts connected to Stripe
Teams that want to offer flexible payment options on invoices
Use this when you want customers to pay invoices using BNPL providers instead of paying the full amount upfront.
What BNPL for Invoices Does
Buy Now, Pay Later (BNPL) allows customers to:
Split invoice payments into installments
Defer payment using providers like Klarna or Afterpay
For businesses:
You receive payment confirmation once the BNPL provider approves the transaction
The BNPL provider assumes repayment risk after approval
BNPL works for both one-time invoices and recurring invoices, depending on provider availability.
Step 1: Enable BNPL in Stripe Payment Methods
BNPL payment methods are managed directly inside Kyrios, not in Stripe.
How to enable BNPL:
Navigate to Payments in the left menu
Click Integrations at the top
Locate Stripe and click Manage
Select Manage Payment Methods
Enable supported BNPL options (such as Klarna or Afterpay)
Important Notes:
Payment methods can be enabled or disabled separately for Live and Test modes
Existing payment method configurations will remain unchanged unless edited in Kyrios
Stripe payment methods can no longer be edited directly in Stripe once managed in Kyrios
Your Stripe account must be approved by Stripe for each BNPL provider
Step 2: Create and Send an Invoice
Navigate to Payments → Invoices & Estimates
From the dropdown, select All Invoices
Create a new invoice or open an existing one
Send the invoice to the customer as normal
No additional invoice configuration is required once BNPL is enabled.
Step 3: Customer Selects BNPL at Checkout
When the customer opens the invoice:
They will see standard payment options (card, bank transfer)
BNPL options (such as Klarna or Afterpay) appear if:
The provider supports the customer’s location
The invoice currency and amount meet provider requirements
The customer selects their preferred BNPL option and continues.
Step 4: Payment Is Completed
The customer completes checkout on the BNPL provider’s secure flow
Once approved:
Payment is confirmed in Kyrios
The invoice is marked as paid
Funds are processed through Stripe
Any future missed installments are handled by the BNPL provider, not your business
Common Issues and Fixes
BNPL options do not appear on the invoice
Confirm BNPL is enabled under Stripe → Manage Payment Methods
Verify your Stripe account is approved for the BNPL provider
Check that the customer’s country is supported by the provider
Customer only sees credit card options
The BNPL provider may not be available in the customer’s location
The invoice amount or currency may not meet provider requirements
FAQ
Are there additional fees for using BNPL?
Fees vary by BNPL provider and Stripe configuration. Check your Stripe account for provider-specific pricing.
Can I disable BNPL after enabling it?
Yes. You can disable any BNPL option at any time by going to Payments → Integrations → Stripe → Manage Payment Methods.
Is BNPL available for recurring invoices?
Yes. BNPL can be used for both one-time and recurring invoices, subject to provider rules.
How do I manage Stripe payment methods in Kyrios?
Navigate to Payments → Integrations → Stripe → Manage → Manage Payment Methods to enable or disable payment methods.
Can I configure Stripe payment methods directly in Kyrios?
Yes. Stripe payment methods are now managed exclusively inside Kyrios.
Do customers need accounts with Klarna or Afterpay?
Yes. Customers may need to sign up or verify their identity with the BNPL provider during checkout.
Does BNPL work for international customers?
Availability depends on:
Your Stripe account location
The customer’s country
If a provider is unavailable, customers will only see standard payment methods.
What happens if a customer misses BNPL installment payments?
Once approved, the BNPL provider assumes repayment risk. Missed installments do not affect your payout or pull funds back from your account.