Who This Is For / When to Use
Businesses using Stripe as their payment provider
Teams offering one-time products via Payment Links, Stores, or Invoices
Anyone who wants to increase conversion rates by offering flexible payment options
What Buy Now, Pay Later (BNPL) Is
Buy Now, Pay Later (BNPL) allows customers to complete a purchase immediately and pay over time in installments.
Supported BNPL Providers
Klarna
Affirm
Afterpay / Clearpay
Each provider appears as a payment option during checkout when enabled.
Availability and Requirements
This feature works only under the following conditions:
Payment provider: Stripe (required)
Product type: One-time products only
Not supported for: Recurring products or subscriptions
If Stripe is not connected, BNPL options will not be available.
Where BNPL Can Be Used
BNPL payment methods apply to the same checkout surfaces as other Stripe payment methods, depending on configuration:
Payment Links
Stores
One-time Invoices
Text2Pay links
Order forms (1-step and 2-step)
Memberships and communities (one-time offers only)
Default Payment Method Behavior by Channel
Kyrios allows different payment methods per channel. BNPL availability depends on the channel configuration.
Invoice (No Autopay)
Used for one-time invoices, Text2Pay, and invoices with autopay disabled.
Default methods:
Cards
Apple Pay
Google Pay
ACH Direct Debit
Affirm
Klarna
Afterpay
Invoice With Autopayment
Used for recurring invoices with autopay enabled.
Default methods:
Cards
Apple Pay
Google Pay
ACH Direct Debit
BNPL is not available for autopay invoices.
Store
Used for online stores on websites.
Default methods:
Cards
Apple Pay
Google Pay
Affirm
Klarna
Afterpay
Default (All Other Checkouts)
Used for:
Payment Links
Order forms
Memberships
Communities
Default methods:
Cards
Apple Pay
Google Pay
BNPL appears here only if enabled in Stripe payment methods.
How to Enable BNPL Payment Methods
Step 1: Open Stripe Payment Settings
Go to Payments in the left sidebar
Select Integrations at the top
Click Stripe
Select Manage Payment Methods
Step 2: Enable BNPL Providers
Toggle on any of the following:
Klarna
Affirm
Afterpay / Clearpay
Changes save automatically.
Step 3: Confirm Payment Link Availability
Go to Payments > Payment Links
Open an existing Payment Link or create a new one
Confirm BNPL options appear at checkout for eligible products
No additional setup is required per Payment Link.
Order and Transaction Tracking
BNPL transactions behave the same as card payments inside Kyrios:
All transactions appear under Payments
Orders are logged normally
Existing workflow triggers continue to work:
Order Submitted
Payment Received
No changes are required to automations or notifications.
Refunds for BNPL Payments
Refunds are handled the same way as other Stripe payments:
Initiate refunds from Payments in Kyrios
The BNPL provider adjusts the customer’s remaining installments
Refund timing and eligibility depend on the BNPL provider’s policies.
Common Issues and Fixes
BNPL Options Do Not Appear
Cause: Stripe is not connected or BNPL is disabled
Fix: Confirm Stripe is connected and BNPL providers are enabled under Manage Payment Methods
BNPL Not Showing for a Product
Cause: Product is recurring
Fix: BNPL works only with one-time products
BNPL Missing on Specific Checkout Types
Cause: Channel does not support BNPL (e.g., autopay invoices)
Fix: Use a supported channel like Payment Links or Stores
FAQ
What is required to use BNPL payment methods?
BNPL is available only for accounts using Stripe as their payment provider. Stripe must be connected and active.
Can BNPL be used for recurring products?
No. BNPL is supported only for one-time products.
How do I enable specific BNPL providers?
Go to Payments > Integrations > Stripe > Manage Payment Methods, then enable Klarna, Affirm, or Afterpay.
Can I disable BNPL for certain channels?
Yes. Payment methods can be customized per channel (Invoices, Stores, Default) within Stripe payment method settings.
Do BNPL payments affect workflows or notifications?
No. All existing triggers and notifications function the same as standard payments.
How are refunds handled for BNPL transactions?
Refunds are issued from the Payments menu in Kyrios. The BNPL provider manages installment adjustments based on their terms.