💸 Buy Now, Pay Later (BNPL) with Porter

Porter offers seamless Buy Now, Pay Later (BNPL) options through two trusted providers: Affirm and Afterpay / Clearpay. This gives your clients more flexible ways to pay—without adding any extra friction to your workflow.

Whether you're an individual artist or a full studio, offering BNPL can help boost bookings and reduce sticker shock by giving clients the ability to split payments over time.

🧠 What is BNPL & How Does it Work?

BNPL (Buy Now, Pay Later) allows clients to split their purchase into multiple payments over time. Porter currently offers two BNPL options:

Affirm (U.S.)
Afterpay / Clearpay (U.S., Canada, UK, Australia, NZ, and more)

✅ Key Benefits

No risk to you. You receive the full amount of the payment upfront—just like a credit card.
No collections. Affirm or Afterpay take on the repayment risk, not your business.
Interest-free for many clients. Most plans are interest-free for qualifying purchases.
Easy and seamless. BNPL options show up automatically on checkout links when enabled.

⚙️ How to Enable BNPL in Porter

🎨 For Artists:

Open the Porter Mobile App
Go to Profile > Payment Rates
Scroll to Buy Now, Pay Later (BNPL)
Toggle BNPL ON or OFF
Decide who pays the additional BNPL fee:
- Pass to customer (recommended)
- You cover it (deducted from your payout)

🧑‍💼 For Shop Managers:

Login to app.getporter.io
Click your name in the top right corner → Manage Shop
Go to Payment Rates
Scroll down to Buy Now, Pay Later (BNPL)
Toggle BNPL ON or OFF and select who pays the processing fee

💳 When and Where BNPL Is Available

BNPL is only available through Checkout Links. If you want to offer clients BNPL:

Head to any appointment’s checkout screen in the mobile app or desktop.
Select Send payment link to customer.
When the customer opens the link, they’ll see the option to pay using:
- Affirm
- Afterpay / Clearpay
- Credit Card
- Apple / Google Pay (if applicable)

⚠️ BNPL is not currently supported on in-person terminal transactions.

💰 Who Pays the BNPL Fees?

BNPL comes with slightly higher processing fees than standard credit card transactions. As a business, you can decide who pays these:

Pass the fee to the client: This increases their total slightly but covers your costs.
Absorb the fee yourself: You receive slightly less, but make it easier for the client to book.

You can update this setting at any time from your Payment Rates screen.

💬 Frequently Asked Questions

Q: Do I get paid upfront?
Yes. Porter sends you the full payment immediately, minus processing fees—just like with any other credit card payment.

Q: Is there a credit check for the client?
BNPL providers may run a soft check. Clients will be guided through the process during checkout and can see all terms before completing the payment.

Q: Can I offer BNPL in-person with a card reader?
Not yet. BNPL is currently available only through checkout links.

Q: Do I have to use both Affirm and Afterpay?
Nope. You don't need to choose—they're automatically offered based on the client's location and eligibility.