How to Add Buy Now, Pay Later to Your WordPress Site

Have you ever encountered a situation where you’d like to buy something you’d like but wish you could pay for it later in smaller amounts instead?

This is where you need a buy now, pay later option for your WordPress site.

Sadly, most WordPress payment setups only allow users to pay the full amount upfront. But a growing segment of buyers who are purchasing expensive products like coaching programs, event tickets, or nonprofit memberships now expect to split a purchase into smaller payments at checkout.

When that option isn’t available, they don’t send an email asking for a payment plan. They leave.

A quick and easy solution to this is using WP Simple Pay and adding a Buy Now, Pay Later (BNPL) option. It supports popular payment providers that allow your customers to break their payments into smaller chunks. The best part is that you don’t have to edit code.

In this article, we’ll show you how to add buy now, pay later to your WordPress site.

Why Add Buy Now, Pay Later to a WordPress Site

Buy Now, Pay Later is a checkout payment option that lets buyers split a purchase into two to four installments, paid over a short period, instead of paying the full amount at once.

The buyer pays in pieces; the merchant receives the full transaction amount upfront from payment gateways like Stripe.

From our experience, most site owners underestimate how much a missing payment option costs them. Here’s what BNPL actually changes.

• Price barriers disappear without a discount. A buyer who pauses at $400 will often complete a purchase when the same amount is split into four payments of $100. We’ve seen site owners increase completed checkouts on higher-ticket offers simply by adding this option: same revenue, lower friction, no price reduction needed.
• The seller carries zero collection risk. Unlike a manual payment plan, the BNPL provider manages installment collection from the buyer directly. Stripe deposits the full transaction amount to the merchant immediately, regardless of whether the buyer makes every installment on schedule.
• Younger buyers expect it. Did you know that over a quarter of millennial shoppers chose buy now, pay later for a recent purchase? When BNPL is missing from the checkout, that segment sees an incomplete payment experience — and reaches for the back button, not an alternative card.
• No separate merchant application required. Adding Klarna or Afterpay through most platforms requires applying to a merchant program and waiting for approval. Through WP Simple Pay and Stripe, both methods activate automatically based on the buyer’s region and currency. The only action required on the seller’s side is checking a box in the form builder.

That said, let’s take a look at how you can add buy now, pay later to your WordPress website.

What’s the Best Way to Add BNPL to WordPress

We recommend WP Simple Pay as the easiest way to accept buy now, pay later payments on WordPress, without setting up a shopping cart.

WP Simple Pay is the #1 Stripe payments plugin for WordPress. It lets site owners accept one-time and recurring payments from a drag-and-drop form builder with no code required.

For BNPL specifically, it connects to Klarna, Afterpay, and Affirm through Stripe on Professional and Elite plans, with the full transaction amount deposited to the merchant upfront.

Here’s what makes it the right tool for this tutorial:

• Klarna, Afterpay, and Affirm built in. All three BNPL providers are available on Professional and Elite plans. You don’t need a separate plugin, no merchant application, and no extra fee on top of Stripe’s standard processing rate.
• Stripe Checkout integration. WP Simple Pay’s Stripe Checkout form type routes buyers through Stripe’s hosted checkout, where BNPL options surface automatically based on the buyer’s region and purchase amount.
• Full amount deposited upfront. Stripe pays the merchant immediately. The BNPL provider handles installment collection from the buyer on its own schedule.
• 10+ payment methods, one form. The same form can accept cards, Apple Pay, Google Pay, ACH Direct Debit, and BNPL. No separate form needed for each method.

Now, let’s see how to add buy now, pay later to WordPress with WP Simple Pay.

Step 1: Install and Activate WP Simple Pay

BNPL is available on WP Simple Pay’s Professional plan and above. To get started, visit the WP Simple Pay website and sign up for a new account.

After completing the purchase, you can download the plugin .zip file from the confirmation email or from the Downloads tab in the WP Simple Pay account area.

Next, you can upload the plugin files to your website and then activate and install the plugin.

Note: If you’re new to installing WordPress plugins, then please see this guide to installing WordPress plugins, which walks through the process in detail.

Once the plugin is active, the setup wizard launches automatically. Go ahead and click Let’s Get Started to move through the initial configuration.

Alternatively, if the wizard doesn’t appear, navigate to WP Simple Pay » Settings » General » Advanced and click the Launch Setup Wizard button.

WP Simple Pay is now active. You’re ready to connect it to Stripe.

Step 2: Connect Your WordPress Site to Stripe

In the setup wizard, you can click Connect with Stripe. Enter the email address for your Stripe account and complete the OAuth authorization. If you don’t have a Stripe account yet, you can create one from the same screen without leaving WordPress.

After authorizing the connection, Stripe redirects back to WordPress and displays a “Setup Complete” confirmation.

From here, WP Simple Pay is linked to your Stripe account and ready to process payments.

Note: Stripe automatically determines BNPL eligibility based on the buyer’s location and the payment currency. No separate activation step is required in the Stripe Dashboard for Klarna, Afterpay, or Affirm.

Step 3: Create a Stripe Checkout Payment Form with BNPL Enabled

Next, you can create a new payment form to accept BNPL payments on your website.

To start, navigate to WP Simple Pay » Payment Forms from the WordPress admin menu and click the ‘Add New Payment Form’ button.

WP Simple Pay displays a library of pre-built payment form templates.

You can choose a Payment Form for a general-purpose checkout, or pick a use-case template like Donate Button or Subscription Payment Button, or Fun Run Registration Form for event registrations, depending on what the form is for.

For this tutorial, we’ll use the Donate Button to set up a buy now, pay later payment form.

Once the form builder opens, you can click the General tab.

From here, find the Type field and select Off-site Stripe Checkout form from the dropdown.

This step is required as BNPL payment methods are only available on Stripe Checkout forms and won’t appear in the Payment tab unless this option is selected.

Next, you can click the Payment tab and enter payment details for your product.

This includes the tax collection method and price options (currency, price, and one-time or subscription payment).

After that, you can scroll down to the payment methods list.

Check the boxes for Klarna (buy now, pay later), Afterpay (buy now, pay later) (shown as Clearpay (buy now, pay later) for UK-based Stripe accounts), and Affirm (buy now, pay later).

All three can be enabled together, as Stripe displays only the methods available for the buyer’s region at checkout.

A few things to keep in mind as you configure the form:

• Affirm requires a $100 minimum. Affirm will not appear at checkout for purchase amounts below $100 USD (or CAD equivalent). If the form’s price is below that threshold, enable Klarna and Afterpay but leave Affirm unchecked.
• Afterpay displays as Clearpay for UK merchants. If the connected Stripe account is based in the United Kingdom, WP Simple Pay labels the method Clearpay in the form builder. For all other account countries, it appears as Afterpay. At Stripe Checkout, Stripe independently shows the correct brand to each buyer based on their location. No additional setup is needed either way.
• Currency affects availability. Affirm supports USD and CAD only. Afterpay supports USD, CAD, GBP, AUD, and NZD. Klarna supports 12 currencies across 25+ countries. Set the form’s currency to match the primary market being served.

After enabling the BNPL methods, you can click Publish.

Step 4: Embed and Test BNPL Payment Form

Now you can add the published form to a WordPress page or post using the WP Simple Pay – Payment Form block in the WordPress content editor, or paste the shortcode.

First, edit the page or create a new one where you’d like to show the buy now, pay later payment option. Then click the + button and add the ‘WP Simple Pay – Payment Form’ block.

Next, you can select the form you just created from the dropdown menu in the block.

Once that’s done, Publish the page.

Next, open it in a new browser window to confirm the form appears.

With Stripe still in test mode, click the payment button on the published page. The Stripe Checkout window opens and displays the available BNPL options alongside the standard card field. To test a BNPL method, select Klarna (or Afterpay) from the payment options and complete the simulated BNPL flow. No real payment is charged.

After completing the test payment, you can change it from Test Mode to Live Mode.

Simply return to WP Simple Pay » Settings » Stripe and switch from Test Mode to Live Mode to start accepting real payments.

Bonus: Add Installment Plans for Higher-Ticket Offers

BNPL lets buyers split a purchase through Klarna or Afterpay’s installment schedule. For site owners who want full control over the installment structure, like specific amounts, specific intervals, and a defined number of charges, WP Simple Pay’s installment plan feature is the right tool.

With installment plans, you set the number of payments, the interval, and the amount per charge. Stripe handles each automatic charge until the plan completes.

The buyer sees the structure clearly at checkout (for example, “4 payments of $250”), and billing stops automatically after the final charge with no subscription to cancel.

FAQs about Buy Now, Pay Later

1. Which buy now, pay later providers does WP Simple Pay support?

WP Simple Pay supports Klarna, Afterpay (called Clearpay in the UK), and Affirm through Stripe. All three are available on Professional+ plans and appear automatically on Stripe Checkout forms based on the buyer’s region and currency. No separate merchant application is required for any of them.

2. Does buy now, pay later work with recurring payments in WP Simple Pay?

No — BNPL is only available on one-time payment forms. Subscription and recurring forms do not support Klarna, Afterpay, or Affirm. For flexible high-ticket pricing with automatic installment charges, WP Simple Pay’s installment plan feature is designed for that use case.

3. Do buyers need an account or app to use Klarna or Afterpay?

Buyers don’t need a separate app or account to use BNPL at checkout. Klarna and Afterpay handle their own brief onboarding at the moment of purchase, directly inside the Stripe Checkout flow. The process adds a few seconds, not a full sign-up barrier.

4. Is there a minimum purchase amount for BNPL in WP Simple Pay?

Affirm requires a minimum purchase amount of $100 USD and will not appear at checkout for amounts below that threshold. Klarna and Afterpay have no plugin-level minimum in WP Simple Pay, though Stripe and the individual BNPL providers may apply their own eligibility rules based on region and amount.

5. Which countries support buy now, pay later in WP Simple Pay?

Klarna is available in 25+ countries, including the US, UK, Australia, Canada, and most of Europe. Afterpay (Clearpay) supports AU, CA, FR, IE, IT, NZ, ES, US, and GB. Affirm supports the US and Canada only. Stripe displays only the methods available for each buyer’s location, so no manual configuration is needed per country.

Get Started BNPL Payments Forms in WordPress

With WP Simple Pay, adding Klarna, Afterpay, and Affirm to a WordPress payment form takes under 10 minutes.

No separate merchant agreement, no code, and no shopping cart required. Buyers see the BNPL options that match their region at checkout, and the full payment amount lands in the Stripe account immediately.

We hope this article helped you learn how to add buy now, pay later to your WordPress website. You may also want to see our guides on how to accept Google Pay and Apple Pay in WordPress and the differences between embedded, overlay, and Stripe Checkout forms.

Ready to start accepting buy now, pay later payments? Get started with WP Simple Pay today.

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