Buy Now Pay Later (BNPL)
Swft supports Klarna, Clearpay (Afterpay), Affirm, and other BNPL providers automatically — no configuration required.
How it works
Section titled “How it works”Swft uses Stripe’s PaymentElement with automatic_payment_methods: { enabled: true }. Stripe automatically shows available payment methods based on:
- The customer’s location (Klarna available in DE, UK, SE, NL, US etc.)
- The order amount (some BNPL providers have minimums)
- Your Stripe account’s enabled payment methods
Enabling BNPL
Section titled “Enabling BNPL”1. Go to your Stripe Dashboard
Section titled “1. Go to your Stripe Dashboard”2. Enable your preferred BNPL providers
Section titled “2. Enable your preferred BNPL providers”| Provider | Markets | Min. order |
|---|---|---|
| Klarna | UK, EU, US, AU, CA + more | ~£1 |
| Afterpay / Clearpay | UK, AU, US, CA, NZ | £1–£2,000 |
| Affirm | US, CA | $50 |
| Zip | AU, US, UK | Varies |
3. That’s it
Section titled “3. That’s it”Swft’s checkout automatically shows the BNPL button when a customer is eligible. No plugin updates, no code changes.
What the customer sees
Section titled “What the customer sees”When Klarna is enabled and the customer is eligible, the PaymentElement shows a “Pay with Klarna” option alongside the card form. Klarna handles the instalment plan — your WooCommerce order is created for the full amount immediately.
WooCommerce orders
Section titled “WooCommerce orders”BNPL orders create native WooCommerce orders exactly like card orders. You receive the full order amount from Stripe (Klarna/Clearpay pays you immediately). The customer pays Klarna/Clearpay in instalments — that’s between them and the BNPL provider.
BNPL providers charge merchants a fee (typically 2–6% depending on provider and country). Swft’s 2% platform fee applies on top. For merchants on the ambassador tier (1.8%) or agency tier (1.5%), those rates apply to the full transaction amount.
Check each provider’s merchant fees in the Stripe Dashboard.
Stripe Connect
Section titled “Stripe Connect”If you’re using Swft with Stripe Connect (the default for all Swft merchants), BNPL is routed through your connected account. The application fee is taken on the full amount before the BNPL provider fee. Everything settles to your Stripe account normally.
Troubleshooting
Section titled “Troubleshooting”BNPL button not showing?
- Confirm the payment method is enabled in your Stripe Dashboard → Payment methods
- Check the customer’s location is supported by that provider
- Verify the order amount meets the provider’s minimum
BNPL available in some countries only?
- This is by design. Klarna, for example, is not available in all markets. Stripe shows only what’s available for each customer.
Can I disable BNPL?
- Yes — disable it in your Stripe Dashboard → Payment methods. Swft won’t show options that aren’t enabled in Stripe.