Overview

Buy Now, Pay Later (BNPL) lets your travelers finance their trip through Klarna, Affirm, or Afterpay instead of paying the full amount upfront. Enabling BNPL can increase bookings by giving travelers flexible payment options. You get paid in full immediately -- the BNPL provider handles the financing risk.

Getting to BNPL Settings

Log in to your organizer dashboard
Open your trip and click "Payments" in the left sidebar (under Main Flow)
Expand the "Payments Options" section
You'll see toggle switches for Klarna, Affirm, and Afterpay

Enable BNPL Providers

Toggle on the providers you want to offer. Each toggle saves automatically with a confirmation message (e.g., "Klarna setting saved successfully").

Provider	Currencies Supported	How Travelers Pay
Klarna	USD, GBP	4 interest-free payments biweekly, or monthly financing
Affirm	USD only ($50 minimum)	4 interest-free payments, or 3-36 month plans
Afterpay	USD, CAD, GBP, AUD, NZD	4 equal payments over 6 weeks

Payments Options accordion showing BNPL provider toggles with on/off states

Requirements Before Enabling

Stripe must be connected -- BNPL is not available with Square
BNPL appears as a third payment option at checkout outside of Pay in Full and Installments
Availability depends on your Stripe account's capabilities -- some providers may need to be activated in your Stripe dashboard
The trip currency must match the provider's supported currencies

How It Works for Travelers

When BNPL is enabled, travelers see it as a separate payment option at checkout:

The traveler selects Buy Now, Pay Later as their payment option
They choose their preferred provider (Klarna, Affirm, or Afterpay)
A 4% convenience fee is displayed and added to their total
They're redirected to the provider to complete a quick application
If approved, the booking is confirmed immediately -- the traveler owes $0 today
The traveler repays the provider according to their installment schedule

Fee Structure

Who	What They Pay
Traveler	Trip cost + 4% BNPL convenience fee
Organizer	Standard 6% processing fee only (no additional BNPL fee)

You receive 100% of your listed trip price. The 4% fee is charged to the traveler and clearly displayed before they confirm.

BNPL Availability by Currency

BNPL is available on trips priced in supported currencies. Each provider operates in specific markets:

Currency	Klarna	Affirm	Afterpay
USD	Yes	Yes ($50 min)	Yes
GBP	Yes	No	Yes
CAD	No	No	Yes
AUD	No	No	Yes
NZD	No	No	Yes
EUR	No	No	No

If your trip is priced in EUR, BNPL is not available — travelers will see Pay in Full and Installments only. For GBP trips, enable Klarna or Afterpay (Affirm does not support GBP). There are no geographic restrictions on travelers — any traveler can use BNPL regardless of their country, as long as the trip currency is supported and the BNPL provider approves their application.

Disable BNPL

To turn off BNPL providers, go to Payments > Payments Options and toggle off the providers you want to disable. Changes save automatically. Travelers who already paid with BNPL continue their repayment plan with the provider -- disabling only affects future checkouts.

Important Notes

Enabling BNPL is free for organizers -- no cost to offer it
The 4% convenience fee is transparent -- travelers see it before confirming
Travelers choose one payment option at checkout: Pay in Full, Installments, or BNPL
Each BNPL provider has its own approval criteria and repayment terms
Consider mentioning BNPL availability in your trip description to attract more bookings

Troubleshooting

Problem	Solution
BNPL toggles not showing	Verify you have a connected Stripe account. BNPL is not available with Square.
Traveler says they don't see BNPL at checkout	Verify BNPL is enabled in your trip settings and the trip currency matches the provider's supported currencies. BNPL requires a Stripe connection.
Toggle saved but provider still not appearing to travelers	The provider may need to be activated in your Stripe dashboard. Check Stripe's settings for BNPL capabilities.
Traveler's BNPL application was denied	Each provider has their own approval criteria. Suggest the traveler try a different provider or use a credit card.

Frequently Asked Questions

Q: Does enabling BNPL cost me anything as an organizer? A: No. There is no cost to enable BNPL providers. The 4% convenience fee is charged entirely to the traveler. You continue to pay only the standard 6% processing fee on the trip price, same as any other payment method.

Q: Do I get paid immediately when a traveler uses BNPL? A: Yes. The BNPL provider pays the full trip amount to your Stripe account right away, just like a regular card payment. The traveler repays the BNPL provider over time -- you're not involved in that process.

Q: Can a traveler combine BNPL with SquadTrip installment plans? A: No. Travelers choose one payment option at checkout: Pay in Full, Installments, or BNPL. BNPL is a separate option where the provider finances the full trip amount. The traveler owes $0 today if approved and repays the BNPL provider on their schedule.

Q: Which BNPL provider should I enable for international trips? A: Klarna supports USD and GBP on SquadTrip, making it a good choice for GBP-priced international trips. Affirm supports USD only. Afterpay supports USD, CAD, GBP, AUD, and NZD. BNPL is not available for EUR trips.

Q: Is BNPL only available for U.S.-based travelers? A: No. BNPL availability is based on trip currency, not the traveler's location. Any traveler can use BNPL as long as the trip is priced in a supported currency (e.g., USD or GBP for Klarna). There are no country or residency restrictions on the SquadTrip side — the BNPL provider may have their own eligibility criteria during the approval step.