What are Buy Now Pay Later Payments? About BNPL | Digital River

Payment Method Guide

Discover the diverse payment methods and options you can offer shoppers globally with Digital River.

Payment Method Guide
Country Guide

Not all countries or territories may be represented. Some may not be available due to embargoes or other restrictions. For further information please contact us.

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All Payment Methods: Buy Now Pay Later

Buy Now Pay Later (BNPL) payments enable shoppers to purchase goods immediately and pay for them over time. Many BNPL providers offer various pay later options with zero interest or at a low interest rate, including but not limited to, instalments (Pay in 4), financing (Credit) or invoicing (Pay in 30 Days) options. With these options shoppers pay over time, but merchants are paid upfront.

Available with Digital River in 14 Countries/Territories

Processing Currencies

Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.

Customer Experience

The payment flow that the shopper experiences using this payment method.

Payment Type

Looking to modernize the B2B purchase experience, Digital River enables Merchants to extend a line of credit for business buyers at checkout. This is a branded solution facilitating online B2B payments by offering flexible net terms, digital invoice handling, collections, credit approval management, and improving the overall B2B online buying experience.

Payment Details

Key Benefits Offering net terms online for business buyers streamlines the legacy accounts receivable and payable processes, alleviates cash flow constraints for buyers, and leads to increased buyer loyalty and higher average order values. With this payment method Merchants reduce their credit risk, offload collection responsibilities and get paid up front while their buyers pay over time. How it Works

Buyers select TreviPay option at checkout, then they either login to the Merchants profile to complete their purchase or apply for their line of credit. Upon approval the buyer is able to complete their transaction, manage purchases, statements and vendor forms through the buyer portal.

Features
  • Chargebacks
  • Multiple Partial Captures
  • Recurring Transactions
  • Refunds

TreviPay Global Availability


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Klarna Financing Buy Now Pay Later
Available with Digital River in 7 Countries/Territories

Processing Currencies

Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.

Customer Experience

The payment flow that the shopper experiences using this payment method.

Payment Type

Klarna’s Financing option empowers shoppers to buy now and spread the cost of the purchase over time with monthly payments. This payment option can allow your shoppers up to 36 months to pay for their purchases with interest, while Merchants are paid upfront.

Payment Details

Key Benefits On average Merchants offering Klarna Financing have seen up to a 58% boost to their average order values. How it Works

When a shopper selects Klarna at checkout, they are redirected to a Klarna-hosted payment page where they agree to terms and complete their purchase. After completing the purchase, the shopper is redirected back to the merchant’s store where they receive a confirmation page. After reviewing the shopper’s application, Klarna sends an approval notification to the merchant letting them know the order can be shipped. Digital River pays our clients upfront while the shopper pays Klarna the initial payment based on the financing terms the shopper chose.

Features
  • Chargebacks
  • Refunds

Klarna Financing Global Availability


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Klarna Pay in 14 Days Buy Now Pay Later
Available with Digital River in 7 Countries/Territories

Processing Currencies

Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.

Customer Experience

The payment flow that the shopper experiences using this payment method.

Payment Type

Klarna’s Pay in 14 days makes online purchasing easier for shoppers by letting them try before they buy. Pay in 14 days equips your shoppers with the freedom to pay for their purchases up to 14 days later without interest or any upfront fees. It’s simple and fast, and Merchants are paid upfront.

Payment Details

Key Benefits With Klarna's Pay in 14 days you’ll allow your shoppers to try before they pay. It is a great way to boost shopper loyalty and average order value. How it Works

When a shopper selects Klarna at checkout, they are redirected to a Klarna-hosted payment page where they agree to terms and complete their purchase. After completing the purchase, the shopper is redirected back to the merchant’s store where they receive a confirmation page. After reviewing the shopper’s application, Klarna sends an approval notification to the merchant letting them know the order can be shipped. Digital River pays our clients upfront while the shopper pays Klarna within 14 days.

Features
  • Chargebacks
  • Recurring Transactions
  • Refunds

Klarna Pay in 14 Days Global Availability


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Klarna Pay in 3 Buy Now Pay Later
Available with Digital River in 3 Countries/Territories

Processing Currencies

Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.

Customer Experience

The payment flow that the shopper experiences using this payment method.

Payment Type

Klarna’s Pay in 3 payment option makes online purchasing easier for shoppers by allowing them to pay for their purchases in 3 equal parts. Pay in 3 equips your shoppers with the freedom to pay for their purchases over 3 months without interest or any upfront fees. It’s simple and fast, and Merchants are paid upfront.

Payment Details

Key Benefits Installment payment options are a great way to break up payments for your shoppers. By offering installments with Klarna some Merchants have seen an increase in their average order values by as much as 60% and checkout conversions by as much as 20%. How it Works

When a shopper selects Klarna at checkout, they are redirected to a Klarna-hosted payment page where they agree to terms and complete their purchase. After completing the purchase, the shopper is redirected back to the merchant’s store where they receive a confirmation page. After reviewing the shopper’s application, Klarna sends an approval notification to the merchant letting them know the order can be shipped. Digital River pays our clients upfront while the shopper pays Klarna the first installment at checkout and the other two payments in the following two months.

Features
  • Chargebacks
  • Refunds

Klarna Pay in 3 Global Availability


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PayPal Pay in 4 Buy Now Pay Later
Available with Digital River in 3 Countries/Territories

Processing Currencies

Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.

Customer Experience

The payment flow that the shopper experiences using this payment method.

Payment Type

Pay in 4 allows customers to pay for their Australia purchases (between A$50 to A$1500), France purchases (between € 30 to € 2,000), or U.S. purchases (between $30-$600) in four interest-free payments. The first payment is due at checkout with the next 3 payments spread across monthly payments in France and biweekly payments in Australia and the U.S.

Payment Details

Key Benefits Offering a buy now pay later option at checkout has proven to empower shopper purchasing power and increases average order values. Merchants offering Pay in 4 with pay later messaging have seen a 56% increase in overall average order value. How it Works

After the shopper selects PayPal in the shopping cart, they are redirected to PayPal Checkout where they select their preferred option. If the shopper continues with Pay in 4, they see their payment schedule and confirm the terms by selecting “Continue”. After the order is processed, Digital River pays our client up front while the shopper pays over time.

Features
  • Chargebacks
  • Refunds

PayPal Pay in 4 Global Availability


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Klarna Pay in 30 Days Buy Now Pay Later
Available with Digital River in 2 Countries/Territories

Processing Currencies

Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.

Customer Experience

The payment flow that the shopper experiences using this payment method.

Payment Type

Klarna’s Pay in 30 Days buy now pay later option makes online purchasing easier for shoppers by letting them try before they buy. Pay in 30 days equips your shoppers with the freedom to pay for their purchases up to 30 days later without interest or any upfront fees. It’s simple and fast, and Merchants are paid upfront.

Payment Details

Key Benefits With Pay in 30 days you’ll allow your shoppers to try before they pay. It is a great way to boost shopper loyalty and average order value. With Klarna's Pay in 30 days merchants have experienced a 23% increase in their average order value and up to 47% increase in shopper order frequency. How it Works

When a shopper selects Klarna at checkout, they are redirected to a Klarna-hosted payment page where they agree to terms and complete their purchase. After completing the purchase, the shopper is redirected back to the merchant’s store where they receive a confirmation page. After reviewing the shopper’s application, Klarna sends an approval notification to the merchant letting them know the order can be shipped. Digital River pays our clients upfront while the shopper pays Klarna within 30 days.

Features
  • Chargebacks
  • Multiple Partial Captures
  • Recurring Transactions
  • Refunds

Klarna Pay in 30 Days Global Availability


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