Finance options like Klarna and Afterpay (sometimes called Buy Now, Pay Later) let your clients split their payment into instalments. As the artist, you still get paid upfront in full - the credit agreement is between your client and the finance provider, not you.
How it works 🔄
When a client chooses a finance option at checkout, the provider pays you on their behalf straight away. Your payout works exactly the same as a standard card payment - you receive the money upfront, minus Stripe and platform fees.
Your client then repays the provider directly, in instalments, according to the provider's own terms. That arrangement is nothing to do with you.
What it costs ⚠️
Finance providers typically charge higher processing fees than standard card payments. These are deducted from your payout in the same way as regular Stripe fees.
You can see the exact fees for each provider on Stripe's website.
👉 Read more about payment fees
Enabling or disabling finance payments 🔧
Finance options are optional. You can turn them on or off at any time in Settings > Payments > Payment methods.
You can also adjust payment methods on a per-appointment basis if you'd prefer to offer finance selectively.
📌 Key things to remember:
You get paid upfront in full. Your client's repayment plan is between them and the provider.
No separate account needed. It all runs through your existing Stripe setup
Fees are higher than standard card payments. Factor this in when deciding whether to offer it.
You can disable finance payments at any time if you'd prefer not to offer them
🆘 Need help?
Got questions? No worries! Just drop us a DM or an email and we can help.
