Overview
Buy Now Pay Later (BNPL) allows your travelers to pay for their trip using Klarna, Affirm, or Afterpay — giving them flexible financing options at checkout. As an organizer, you can enable or disable each BNPL provider individually.
Requirements
Before enabling BNPL, be aware of these requirements:
Stripe must be your payment gateway — BNPL is not available with Square
Currency support varies by provider:
Klarna — Supports USD, EUR, GBP, and other local currencies (24+ European countries)
Affirm — USD and CAD only ($50 minimum)
Afterpay/Clearpay — USD, CAD, GBP, AUD, NZD (domestic transactions only)
"Pay in Full" only — BNPL is only available when the traveler selects the "Pay in Full" payment option. It does not work with SquadTrip installment plans (since the BNPL provider handles the installments instead)
A 4% convenience fee is added to the traveler's total when they choose a BNPL option
Availability also depends on your Stripe account's active capabilities — some providers may need to be activated in your Stripe dashboard
How to Enable BNPL
Log in to your organizer dashboard
Open your trip and click "Payments" in the left sidebar (Main Flow menu)
Expand the "Payments Options" section
You'll see toggle switches for each provider:
Klarna — Popular in the US and Europe, supports multiple currencies
Affirm — US and Canada, USD/CAD only
Afterpay — Pay in 4 installments over 6 weeks
Toggle on the providers you want to offer — each toggle saves automatically with a confirmation message
How It Works for Travelers
When BNPL is enabled and a traveler selects "Pay in Full" at checkout:
The BNPL options appear as payment methods alongside credit card
The traveler selects their preferred provider (Klarna, Affirm, or Afterpay)
A 4% convenience fee is displayed and added to their total
They're redirected to the BNPL provider to complete their application
If approved, the BNPL provider pays you the full amount upfront
The traveler repays the BNPL provider according to their plan
Fee Structure
Who | What They Pay |
Traveler | Trip cost + 4% BNPL convenience fee |
Organizer | Standard SquadTrip processing fees (no additional BNPL fee) |
The 4% convenience fee is clearly displayed to the traveler before they confirm payment, so there are no surprises.
When BNPL Won't Appear
BNPL options are automatically hidden from travelers when:
The traveler selects an installment plan instead of "Pay in Full"
Square is the active payment gateway (Stripe required)
You haven't enabled any BNPL providers in your settings
The trip currency is not supported by the specific BNPL provider (e.g., Affirm only supports USD/CAD)
Tips for Organizers
Enabling BNPL can increase conversions — travelers who can't pay the full amount upfront may still book using flexible financing
You get paid in full immediately — the BNPL provider assumes the financing risk, not you
The 4% fee is transparent — travelers see the fee before confirming, reducing disputes
Consider mentioning BNPL availability in your trip description to attract more bookings
Disabling BNPL
To turn off BNPL options:
Go to Payments in the left sidebar
Expand the "Payments Options" section
Toggle off the BNPL providers you want to disable — changes save automatically
Travelers who already completed a BNPL payment will continue their repayment plan with the provider — disabling BNPL only affects future checkouts.
For additional help, contact [email protected].