Pay-later options that lift orders, not returns
Klarna and other invoice and instalment methods added to your checkout, product pages and cart, with the right messaging, order management and refund sync. I check that the extra option is not just moving costs around. From €450.
- Pay in 3 instalments
- Pay in 30 days (invoice)
- Card
- Wallet: Apple Pay or Google Pay
- Bank payment
Worth testing at this basket: the extra orders more than cover the extra fees.
Break-even needs about 1.8% more orders. This example assumes 4.0%.
Review my checkout mixFees, limits, the share choosing pay later and the extra orders are illustrative assumptions, not any provider's prices or results. Real fees and limits depend on your contract and on the provider's credit check of each buyer.
The returns loop: where pay-later orders go wrong
With invoice payments, money and parcels travel in different directions. A return the store forgets to tell the provider about turns into a reminder letter for a buyer who already sent the item back.
The buyer picks invoice at checkout. The provider checks the buyer and approves.
Sample amounts. The exact sequence, capture rules and settlement timing depend on the provider and your contract.
When I would not add pay later
- Your baskets are small and margins thin. Move the slider above: below a certain basket, fees can outweigh any extra orders.
- Returns are already your biggest cost. Paying after delivery can encourage ordering several sizes to try at home; fix sizing information first, perhaps with conversion work.
- Your buyers already pay happily by bank button or MobilePay. Check Finnish payment methods before adding another option.
- Pay later is consumer credit, and how you advertise it is regulated. I follow the provider's messaging guidance; check your own obligations too.
Send your average basket and return rate. I will tell you honestly if pay later is worth it.
Get a Klarna quoteHow the setup runs
Four steps, most of the time going into steps three and four.
- 1
Fit check
Your baskets, margins, markets and return rate run through the model above with real numbers.
- 2
Install and messaging
The official plugin or API on Shopify, WooCommerce, Magento or a custom build, with messaging placed where buyers decide.
- 3
Order management sync
Capture on shipping, cancellations, full and partial refunds, all driven from your store admin.
- 4
Returns test, then live
A partial return walked through the whole loop in test mode, then the switch to live credentials.
Pay-later packages
Fixed prices, excl. VAT. The provider's own fees are between you and the provider.
Plugin set-up
- Checkout method configured
- Capture and refund tested
- Test and live credentials checked
Checkout mix
- Everything in Plugin set-up
- Fit check with your own order data
- Product and cart messaging
- Partial returns walked through the loop
Custom integration
- Provider API on a custom or headless store
- Order management from your ERP or admin
- B2B invoicing kept separate
If it does not work out: if the fit check shows pay later will not pay for itself, I say so, and you pay only for the check.
Questions about pay later
Does pay later actually raise conversion?
Sometimes, mostly on mid-size and larger baskets where buyers want to delay or spread the cost. It can also move existing card buyers to a pricier method and raise returns. I measure before and after with your own order data rather than trusting a headline figure from any provider.
Who carries the risk on unpaid invoices?
Usually the provider. With most pay-later services the provider approves the buyer, pays you, and chases unpaid invoices itself, in return for its fee. Exceptions, such as disputes or returns you never registered, are in your contract, so read that part closely. Pikselipolku never holds the money or card data; you contract with the provider directly.
Can I offer invoice payments to businesses?
Yes, in two ways. Some providers offer business invoicing with company checks in selected markets, so the provider carries the credit risk. Or you invoice approved business customers yourself, with a credit limit per company and the risk staying with you. I set up whichever fits and keep consumer and business checkouts apart.
Get a Klarna quote
Tell me your platform, average basket, return rate and the markets you sell to. You get a written fixed price within one working day.
Pikselipolku does not process payments or hold card data. You sign the contract with the provider, and payment data stays with the provider.
Pikselipolku is an independent studio and is not affiliated with Stripe, PayPal, Worldpay, Klarna, Paytrail or any other provider named here.
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