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

Recomendamos o WP Simple Pay como a maneira mais fácil de aceitar pagamentos "compre agora, pague depois" no WordPress, sem configurar um carrinho de compras.

WP Simple Pay é o plugin de pagamentos Stripe para WordPress número 1. Ele permite que os proprietários de sites aceitem pagamentos únicos e recorrentes de um construtor de formulários de arrastar e soltar, sem necessidade de código.

Especificamente para BNPL, ele se conecta a Klarna, Afterpay e Affirm através do Stripe nos planos Professional e Elite, com o valor total da transação depositado para o comerciante antecipadamente.

Veja o que o torna a ferramenta certa para este tutorial:

• Klarna, Afterpay e Affirm integrados. Todos os três provedores de BNPL estão disponíveis nos planos Professional e Elite. Você não precisa de um plugin separado, nem de solicitação de comerciante, e nenhuma taxa extra além da taxa de processamento padrão do Stripe.
• Integração com Stripe Checkout. O tipo de formulário Stripe Checkout do WP Simple Pay direciona os compradores através do checkout hospedado do Stripe, onde as opções de BNPL aparecem automaticamente com base na região e no valor da compra do comprador.
• Valor total depositado antecipadamente. O Stripe paga o comerciante imediatamente. O provedor de BNPL cuida da coleta das parcelas do comprador em sua própria programação.
• Mais de 10 métodos de pagamento, um formulário. O mesmo formulário pode aceitar cartões, Apple Pay, Google Pay, débito direto ACH e BNPL. Nenhum formulário separado é necessário para cada método.

Agora, vamos ver como adicionar "compre agora, pague depois" ao WordPress com o WP Simple Pay.

Etapa 1: Instalar e Ativar o WP Simple Pay

BNPL está disponível no plano Professional do WP Simple Pay e acima. Para começar, visite o site do WP Simple Pay e crie uma nova conta.

Após concluir a compra, você pode baixar o arquivo .zip do plugin do e-mail de confirmação ou da aba Downloads na área de conta do WP Simple Pay.

Em seguida, você pode carregar os arquivos do plugin para o seu site e, em seguida, ativar e instalar o plugin.

Observação: Se você é novo na instalação de plugins do WordPress, consulte este guia para instalar plugins do WordPress, que detalha o processo.

Assim que o plugin estiver ativo, o assistente de configuração será iniciado automaticamente. Clique em Vamos Começar para avançar na configuração inicial.

Alternativamente, se o assistente não aparecer, navegue até WP Simple Pay » Configurações » Geral » Avançado e clique no botão Iniciar Assistente de Configuração.

O WP Simple Pay agora está ativo. Você está pronto para conectá-lo ao Stripe.

Etapa 2: Conecte seu site WordPress ao Stripe

No assistente de configuração, você pode clicar em Conectar com Stripe. Insira o endereço de e-mail da sua conta Stripe e conclua a autorização OAuth. Se você ainda não tem uma conta Stripe, pode criar uma na mesma tela sem sair do WordPress.

Após autorizar a conexão, o Stripe redireciona de volta para o WordPress e exibe uma confirmação de "Configuração Concluída".

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?

Os compradores não precisam de um aplicativo ou conta separada para usar o BNPL no checkout. Klarna e Afterpay cuidam de seu próprio breve onboarding no momento da compra, diretamente no fluxo do Stripe Checkout. O processo adiciona alguns segundos, não uma barreira completa de cadastro.

4. Existe um valor mínimo de compra para BNPL no WP Simple Pay?

A Affirm exige um valor mínimo de compra de US$ 100 e não aparecerá no checkout para valores abaixo desse limite. Klarna e Afterpay não têm um mínimo no nível do plugin no WP Simple Pay, embora Stripe e os provedores individuais de BNPL possam aplicar suas próprias regras de elegibilidade com base na região e no valor.

5. Quais países oferecem suporte a "compre agora, pague depois" no WP Simple Pay?

Klarna está disponível em mais de 25 países, incluindo EUA, Reino Unido, Austrália, Canadá e a maior parte da Europa. Afterpay (Clearpay) suporta AU, CA, FR, IE, IT, NZ, ES, EUA e GB. Affirm suporta apenas EUA e Canadá. Stripe exibe apenas os métodos disponíveis para a localização de cada comprador, portanto, nenhuma configuração manual é necessária por país.

Comece a usar Pagamentos BNPL em Formulários no WordPress

Com o WP Simple Pay, adicionar Klarna, Afterpay e Affirm a um formulário de pagamento do WordPress leva menos de 10 minutos.

Sem contrato de comerciante separado, sem código e sem carrinho de compras necessário. Os compradores veem as opções BNPL que correspondem à sua região no checkout, e o valor total do pagamento cai na conta Stripe imediatamente.

Esperamos que este artigo tenha ajudado você a aprender como adicionar "compre agora, pague depois" ao seu site WordPress. Você também pode consultar nossos guias sobre como aceitar Google Pay e Apple Pay no WordPress e as diferenças entre formulários incorporados, overlay e Stripe Checkout.

Pronto para começar a aceitar pagamentos "compre agora, pague depois"? Comece com o WP Simple Pay hoje mesmo.

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