Buy Now, Pay Later Help Your Customers to Say “Yes” with Flexible Monthly Plans.

Give your customers the flexibility to pay over time while you get paid in full today.

A man using buy now, pay later to purchase shoes

Mobile phone showing buy now, pay later options screen

Make Your Services More Accessible with Easy Monthly Payments.

Buy Now, Pay Later (BNPL) is a flexible financing solution that allows your customers to split their total purchase into manageable, stress-free installments. For merchants—especially those already integrated with Gravity Payments—Buy Now, Pay Later acts as a powerful conversion tool.

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The Buy Now, Pay Later Difference

No hidden tricks or compounding interest schemes. Just a straightforward, adaptable payment solution designed to help your local business thrive by making your goods and services more accessible.

Boost Your Sales. Zero Risk to You with Buy Now, Pay Later.

Drive More Sales and Higher Order Value

When customers aren’t intimidated by a large lump-sum payment, they are more likely to opt for premium services, full repairs, or extra items.

Get Paid Upfront with Zero Risk

Receive the full purchase amount right away while the Buy Now, Pay Later provider assumes all the risk of collecting payments.

Built for Real, In-Person Interaction

Designed for relationship-driven, face-to-face conversations with transparent plans, 0% interest options, no hard credit check, and no late or hidden fees.

Better Experiences.
No Awkward Conversations.

Stress-Free Approvals

A lightning-fast, 30-second application process that doesn’t hold up the checkout line.

Budget-Friendly Flexibility

Customers can break down unexpected or large expenses into bite-sized monthly payments.

Accessible to More People

High approval rates mean more of your everyday customers can get exactly what they need, exactly when they need it, regardless of traditional credit limits.

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Ready to Grow Your Business with Buy Now, Pay Later?

Stop letting cost barriers get in the way of your customers’ needs. Join the thousands of local businesses backed by Gravity Payments’ adaptable tech and real, human support.

Apply for Buy Now, Pay Later

Fill out the form below to talk to sales and sign up!

Frequently Asked Questions

Who assumes the risk if a customer misses a payment?

Not you. The Buy Now, Pay Later provider takes on 100% of the repayment risk. You get paid in full upfront (minus standard processing fees) at the time of the transaction. You never have to act as a debt collector or worry about a customer defaulting on their installments.

Will offering this slow down my checkout line?

Not at all. The application process is built for speed and simplicity. Customers can apply and receive an approval decision in about 30 seconds. They can do this directly on your Gravity smart terminal, online, or even scan a QR code to apply from their own smartphone while waiting in line.

Does it cost extra to add BNPL to my Gravity account?

There are no hidden setup fees or surprise subscription costs to activate BNPL. However, the transaction processing rates for BNPL purchases differ slightly from standard credit card swipes. True to Gravity Payments’ commitment to transparency, your dedicated rep will walk you through the exact rates before you sign anything so you know exactly what to expect.

Do I need to buy new hardware to offer this?

It depends on your current setup. Many of our modern smart terminals and point-of-sale systems can activate BNPL through a simple software update. If your current hardware isn’t compatible, our team will make upgrading fast, painless, and affordable so you can start offering flexible payments right away.

How do I train my staff to use and pitch BNPL to customers?

We don’t just turn the software on and walk away. We provide hands-on training and marketing materials, so your team feels confident offering BNPL as a helpful tool rather than a high-pressure upsell. Plus, if your staff ever gets stuck during a transaction, Gravity’s 24/7 human support team is always just a phone call away—with an average wait time of under 36 seconds.

Will applying for BNPL hurt my customers' credit scores?

No. The initial application process utilizes a “soft” credit check to determine eligibility and approval amounts. This means your customers can see what flexible payment plans they qualify for without any negative impact on their credit scores.

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