Buy Now, Pay Later is coming soon to Boulevard!
We’re excited too, but it’s not live just yet. Keep an eye on your inbox and Boulevard platform. We’ll share timeline updates as soon as they’re available.
Overview
Buy Now, Pay Later (BNPL) helps you increase sales by giving clients more flexibility to pay for higher-value purchases over time. Boulevard now offers Affirm and Klarna as payment method options in your existing checkout flow.
Why this is great for your business
Great for your clients. With 0% APR options and no hard credit check required to apply, clients can spread payments over time and enjoy a more flexible, transparent way to pay.
Higher-value bookings. Buy Now, Pay Later breaks big numbers into smaller installments, so premium services and packages become easier conversations with your clients. Approvals go up to $35,000.
You get paid in full. They pay over time. You receive the full amount on your normal payout schedule the moment a transaction is approved. Affirm and Klarna carry the credit risk and chase the repayments. You carry none of it. Terms apply*.
Fully Integrated. No bolt-on financing tool, no manual reconciliation, no extra logins. BNPL lives right inside Boulevard as an additional payment method.
BNPL will become available for your business later this July. As we get closer to launch, we’ll share additional details, including launch dates, through email and in-platform communications.
Once live, Admins can manage BNPL from the new Payment Methods screen. It starts with a $50 minimum order value, but Admins can turn BNPL on or off or adjust the minimum at any time, depending on what makes the most sense for your business.
Affirm on Boulevard | Klarna on Boulevard | Other providers |
Processing rates 6% + $0.30 | Processing rates 6% + $0.30 | Processing rates 6% + $0.30 |
Payout timing Aligns with your existing payout schedule | Payout timing Aligns with your existing payout schedule | Payout timing 3-5 business days |
Payment term options Pay in 4
Includes longer-term interest-bearing monthly installments
| Payment term options Pay later
Pay in 4
Pay over time financing
| Varies by provider |
Other important notes:
BNPL processing rates are not supported by Offset.
BNPL cannot be used to purchase memberships at this time.
Managing Buy Now, Pay Later payment methods
When BNPL is turned on, clients will see “as low as” messaging throughout the booking flow for eligible services that meet your minimum order requirements. Sign up links will also be shared before checkout to help clients explore flexible payment options in advance.
Minimum order values are set across the business and cannot be individually set at this time.
Promoting buy now, pay later to your clients
BNPL gives clients more flexibility to invest in the services and products they want, while breaking the cost into more manageable payments.
Clients can use BNPL to:
Upgrade their purchase by choosing a package or including retail products instead of paying for one-off services
With 0% APR options and no hard credit check required to apply, clients can spread payments over time and enjoy a more flexible, transparent way to pay
Add products, enhancements, or additional services without paying the full amount upfront
Successful BNPL transactions depend on your client’s approval by the selected BNPL provider. Boulevard cannot guarantee that a client will be approved and what amounts they will be approved for.
Each client’s purchasing power may also vary by provider, so we recommend encouraging clients to apply before checkout. To help support this, application links are included in booking confirmations and appointment reminders.
If your clients have questions about BNPL, you can share our client-facing FAQs to learn more.
Application experience
It’s important for clients to proactively check their eligibility or purchasing power before checkout to help avoid delays or disruptions when it’s time to pay.
To support this, we’ve incorporated application links throughout the client’s pre-appointment journey:
Booking flow, surfacing “as low as” messaging on items that are equal to or higher than your minimum order value
Booking confirmation emails
Emailed appointment reminders
For more insight into how clients can check their eligibility and purchasing power, please refer to the following documentation:
Clients can only use one BNPL provider per order.
For example, if a client is approved for part of their order total through Affirm and another amount through Klarna, those approved amounts cannot be combined for the same order. The client will need to choose one BNPL provider and pay any remaining balance with another accepted payment method.
Learn about the different ways you can offer BNPL at your business
Refunding BNPL transactions
Refunding Affirm and Klarna transactions works the same way as other refunds, with one exception:
Refunds must be returned to the original form of payment. Refund policies that issue refunds as account credit or gift cards are not supported for BNPL transactions.
Payouts
Payouts align with the existing payout schedule. Learn more about payouts.
Reporting for BNPL
Affirm and Klarna transactions appear in the Daily Activity Report and Monthly Activity Report with the same breakdown used for other payment methods: gross amount, processing fee, and net amount.
This gives you clear visibility into the gross amount, applicable fees, and net amount for each BNPL transaction.
FAQs
I'm using Affirm and/or Klarna outside of Boulevard today. Is there anything I need to do to offer these BNPL in Boulevard?
No. You can start offering BNPL in Boulevard without doing anything on Affirm or Klarna externally. The same processing rates apply.
When can I expect BNPL to be available to my business?
Be on the lookout for additional communication regarding BNPL launching for your business.
Can I adjust the minimum order value that qualifies for Buy Now, Pay Later purchases before it goes live?
Yes. Buy Now, Pay Later is available for transactions of $50 or more by default. Admins can update the minimum purchase amount at any time, or turn Buy Now, Pay Later on or off entirely, giving you full control over how it’s offered in your business.
You can manage BNPL settings by going to the Gear icon > Payments > Payment methods.
Do I need to do anything to start offering BNPL?
No. BNPL will be automatically enabled for eligible locations when it becomes available, with a default minimum order value of $50.
How can I manage BNPL payment methods?
Go to Gear icon > Payments > Payment methods, then select Affirm or Klarna to turn each payment method on or off or update its minimum order value.
Can minimum order totals be set by location? (Relevant for multi-brand, multi-location, and franchised businesses.)
No. For multi-brand, multi-location, and franchised businesses, minimum order values are currently set at the business level and cannot be customized by location at this time.
Can BNPL be used for multi-merchant checkout?
No, BNPL does not support multi-merchant checkout. The BNPL options will not be visible in the checkout process
Can I turn BNPL off?
Yes. Once live, Admins can manage Affirm and Klarna from Manage Location > Payment Methods, including turning each payment method on or off and updating the minimum order value.
Will I get paid upfront?
Yes. For approved BNPL transactions, your business gets paid upfront while Affirm or Klarna manages repayment with the client.
How will clients know BNPL is available?
When BNPL is turned on, eligible clients will see BNPL messaging during the booking flow and through sing up links in booking confirmations and appointment reminders.
Will checking eligibility affect a client’s credit score?
Clients can check eligibility with no impact to their credit score.
How can my clients sign up or apply for BNPL prior to their appointment?
Your clients can apply for BNPL in two ways:
During booking: If the selected services meet your minimum order value, clients will see sign up links in the booking widget.
Through appointment reminders: Clients will also receive sign up links in their appointment reminder emails and text messages.
Qualification at checkout: Although the goal is to encourage clients to apply for BNPL prior to checkout, a client can always select this option on the Duo if their order meets your minimum order requirement.
Educating clients while they’re in the chair is a great way to encourage BNPL application before checkout. It can also help support upsells or upgrades by giving clients more flexible payment options before they make a final purchase decision.
How can I offer BNPL as a payment method at checkout?
There are two ways you can offer BNPL at checkout:
Automatically, when an order meets your minimum order value: For eligible orders, BNPL will appear as a payment option for card or card-on-file payments in the Duo app. Clients can then apply and use BNPL funds at checkout.
Manually, from the Boulevard checkout screen: From checkout, select Card, open the card dropdown menu, then choose Affirm or Klarna.
Is the processing rate the same for Affirm and Klarna purchases?
Yes. Affirm and Klarna purchases have the same processing rate of 6% + $0.30 per transaction.
What is the payout schedule for BNPL transaction amounts?
Your payout schedule for BNPL amounts align with your existing payout schedule via Adyen. You will get paid upfront for all transactions where BNPL was used as a payment method towards an order.
Can clients combine Affirm and Klarna on one order?
No. Clients can only use one BNPL provider per order. If they are approved for less than the order total, they can pay the remaining balance with another accepted payment method.
Can I refund the BNPL purchase to an account credit or gift card?
No. Any portion of an order paid with BNPL must be refunded back through Affirm or Klarna and cannot be issued as account credit or a gift card.
Can a client use BNPL to purchase a gift card?
At this time, clients can only use Affirm to purchase a gift card. Klarna will not show up as a payment method option for gift card purchases.
How can I track orders that were paid for with BNPL?
Affirm or Klarna will surface as a payment method in all existing sales reports.
Is BNPL supported by Offset?
No. BNPL processing rates are not supported by Offset.
What is the qualification experience for clients?
Be on the lookout for another update closer to launch.
Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. Affirm, Inc., NMLS 1883087. Affirm Loan Services, LLC, NMLS 1479506.