Who This Is For / When to Use
Businesses selling products through the Kyrios online store
Accounts using Stripe as the payment processor
Teams that want to offer installment-based payments such as Affirm, Klarna, or Afterpay
Important Limitations
BNPL is only supported for the online store.
BNPL currently works only with Stripe.
BNPL is not available for in-person payments.
Step 1: Enable BNPL Payment Methods in Stripe
How to Access Stripe Payment Methods
Go to Payments in the left navigation.
Click Integrations at the top.
Select Stripe.
Click Manage Payment Methods.
What to Enable
Turn on the BNPL providers you want to offer:
Affirm
Klarna
Afterpay
Regional Availability Note
If a BNPL provider does not activate:
The provider may not be available in your country or business category.
Availability is controlled by Stripe.
Confirm eligibility directly in Stripe documentation.
Step 2: Configure Products for the Online Store
BNPL only appears for products that are available in the online store.
Product Setup Requirements
Go to Payments > Products.
Create or edit a product.
Enable Include in Online Store.
Save the product.
Repeat this for every product that should support BNPL.
Step 3: Create or Edit Your Online Store
BNPL will only display during checkout in the online store.
Method 1: Add a Store to a Website
Go to Sites > Websites.
Create or edit a website.
Open the page editor.
Click the + button.
Select the Store element.
Method 2: Use the Stores Section
Go to Sites > Stores.
Create a store from scratch or use a template.
Both methods support BNPL as long as Stripe is connected and products are eligible.
Eligibility and Requirements
Geographic Availability
BNPL providers only operate in supported countries.
Your business location must be eligible.
Availability is determined by Stripe.
Transaction Limits by Provider
BNPL providers enforce minimum and maximum purchase amounts.
Provider | Transaction Limits |
Affirm | USD 50 – 30,000 |
Afterpay | USD 1 – 4,000 |
Klarna | USD 10 – 5,000 (varies by customer) |
Limits vary by country and customer profile.
Business Category Restrictions
Your business category in Stripe must be supported.
Some industries are restricted from using certain BNPL providers.
Benefits of Using BNPL
Increased Conversion Rates
Customers are more likely to complete purchases with flexible payment options.
Average order value often increases.
Improved Customer Experience
Customers can pay over time without needing credit cards.
More payment choice leads to higher satisfaction and repeat purchases.
Common Issues and Fixes
BNPL Option Does Not Appear at Checkout
Confirm Stripe is connected.
Ensure BNPL providers are enabled in Stripe.
Verify the product is included in the online store.
Confirm the customer and business are in supported regions.
BNPL Provider Is Disabled Automatically
The provider may not support your region or business type.
Check Stripe eligibility rules for that provider.
FAQ
Can I use BNPL for products not in the online store?
No. BNPL is only available for products with Include in Online Store enabled.
How do I troubleshoot a BNPL option that isn’t working?
Confirm the provider is enabled in Stripe.
Verify transaction limits are met.
Ensure your business category is supported.
Confirm regional availability.
Can customers outside supported regions use BNPL?
No. Customers outside eligible regions will not see BNPL options at checkout.
Do customers need a Stripe account to use BNPL?
No. Customers complete BNPL through providers like Affirm, Klarna, or Afterpay without needing a Stripe account.
Can BNPL be used for in-person payments?
No. BNPL is currently supported only for online store purchases via Stripe.
How do refunds work with BNPL?
Refunds are processed the same way as standard Stripe transactions.
Issue the refund from Payments in Kyrios or directly in Stripe.
The BNPL provider automatically adjusts or cancels remaining installments.
Any amount already paid by the customer is refunded according to the provider’s rules.v