Before you continue
Please note that neither the business or practice offering Buy Now, Pay Later nor Boulevard has any control when it comes to questions about approval decisions, repayment declines, or your respective Affirm or Klarna account. Affirm and Klarna are independent financing providers. Please contact the applicable provider directly for assistance with those matters.
We've answered a several common questions below. For additional information or account-specific assistance, visit the applicable provider's help center:
Purchasing power
Please keep in mind that businesses may set a minimum order value for Buy Now, Pay Later purchases. This means you may be approved to spend up to a certain amount with Affirm or Klarna, but you will only be able to use Buy Now, Pay Later if your order total meets the minimum amount set by the business.
To learn more about purchasing power or the application process:
Client FAQs
What is Buy Now Pay Later (BNPL)?
Buy now, pay later lets you spread the cost of services or a purchase into a separate payment agreement with a third-party financing provider, rather than paying in full today. Payment schedules vary by provider and option, and may include interest depending on the provider and your eligibility.
How and when can I sign up?
The business will have application links in the following places:
Booking confirmation emails
Appointment reminder emails
On the checkout screen
Please keep in mind that businesses may set a minimum order value for Buy Now, Pay Later purchases. This means you may be approved to spend up to a certain amount, but you will only be able to use Buy Now, Pay Later if your order total meets the minimum amount set by the business.
Will I be charged interest or fees?
Interest rates, fees, and other terms vary by provider and the option for which you qualify. Some eligible clients may receive 0% APR options, while others may receive interest-bearing options. Review the terms presented by Affirm or Klarna before accepting a payment plan.
For more information:
What are the requirements to get approved to use Buy Now Pay Later at checkout?
Affirm and Klarna determine eligibility based on their own criteria. The business and Boulevard do not make or control approval decisions. For more information about how qualification works, visit:
Will checking my options affect my credit score?
No. Checking eligibility or exploring payment options with Affirm or Klarna doesn't require a hard credit check so it will not affect your credit score.
Will using Buy Now, Pay Later affect my credit score?
It may. Once you accept a payment plan, your credit may be affected depending on the provider, the payment option selected, and your repayment history.
Review the terms presented by Affirm or Klarna before completing your purchase.
Why am I seeing different payment options than someone else?
Financing offers vary based on individual eligibility, purchase amount, and the BNPL provider.
Some clients may qualify for 0% interest offers, while others may see APR financing or different repayment terms.
How can I sign up for Buy Now Pay Later at checkout?
The business will have dedicated sign up links in the following places:
Booking confirmation emails
Appointment reminder emails
On the checkout screen
[Coming soon] On the check-in screen
When you select Affirm or Klarna at checkout, you'll be prompted to either sign in to your existing account or create a new one. Each provider has its own eligibility requirements and approval process. Once you've completed the application, you'll see the purchasing power available to you.
Because checking your purchasing power doesn’t require a hard credit check, creating an account and checking what’s available to you won’t affect your credit score. If you choose to finance your purchase and accept the provider's terms, your credit score may be impacted depending on the provider's credit policies.
Please keep in mind that businesses may set a minimum order value for Buy Now, Pay Later purchases. This means you may be approved to spend up to a certain amount, but you will only be able to use Buy Now, Pay Later if your order total meets the minimum amount set by the business.
Can I use funds from more than one BNPL provider on a single order?
No. You can only use one BNPL provider per order at checkout.
For example, if you’re approved for part of your order total through Affirm and another amount through Klarna, those approved amounts cannot be combined to pay for the same order. You’ll need to choose one BNPL provider and pay any remaining balance with another accepted payment method.
What happens if I get a refund?
Refunds on a Buy Now, Pay Later order go back to Affirm or Klarna. They cannot be issued to you as store credit or a gift card. Until the provider processes the refund and adjusts your plan, your scheduled payments may continue, so a refund does not automatically cancel your payment plan. Contact your provider to confirm how your plan is adjusted.
What if my plans change and I don’t use what I bought?
Your payment plan with Affirm or Klarna is separate from the services or products you purchased. If you don’t use a package, you still owe the provider according to your agreement with them. Whether you’re entitled to a refund depends on the business’s own cancellation and refund policy.
What if I miss a payment?
That’s determined by the terms you accepted, which may include late fees and may affect your credit. Check your terms, or contact Affirm or Klarna.
Who do I contact about my payment plan?
Affirm or Klarna. They own the plan, the payment schedule, and any changes to it. Neither the business nor Boulevard can view, adjust, or resolve your payment plan.
For more insight into how BNPL works, you can check out the dedicated help centers for each provider:
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.
[See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. See klarna.com/us for details.]