Using Buy Now, Pay Later at Checkout

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.

The BNPL processing rate reflects the cost of offering BNPL through providers like Affirm and Klarna, who assume the financial risk of client repayments while your business gets paid upfront.

A new Manage Payment Methods permission is available. When Buy Now, Pay Later (BNPL) is enabled, this permission is automatically granted to any user who already has View and Edit access to the Manage Merchant Account permission.

Front desk staff can select Affirm or Klarna directly from the checkout screen if a client has already been approved and/or wants to apply for one of the Buy Now, Pay Later options.

After a card or card-on-file payment method is selected at checkout, clients can choose from additional payment options on the Duo screen.

Depending on what’s available, these options may include Affirm, Klarna, other cards on file, or the ability to tap, dip, or swipe a card they have with them.

If they select Affirm

If they select Klarna

Once they are sent a link, the client will go through the approval or login flow for the provider they selected. If they are denied one provider, they can select another payment method and try with the other.

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 additional questions about BNPL, you can share our client-facing FAQs to learn more.

If a client is approved for only part of their total purchase, they can apply the approved amount to their transaction and pay the remaining balance using another payment method.

The remaining balance cannot be paid with another Buy Now, Pay Later provider.

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:

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.

Refunding Affirm and Klarna transactions works the same way as other refunds, with one exception:

Payouts align with the existing payout schedule.

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.

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.