Buy Now, Pay Later (BNPL) allows your clients to pay for their booking in installments, while you receive the full payment upfront.
This helps clients commit to bookings more easily without impacting your cash flow.
Supported providers
BNPL availability depends on your client’s location:
Affirm – United States and Canada
Klarna – All other supported regions (including the UK and Australia)
Note: Afterpay is not currently supported.
How to Enable BNPL
Go to Settings > Payment Methods
Connect your account to Stripe and complete onboarding (e.g. ID verification)
Once connected, click Revenue Tools
Turn on Buy Now, Pay Later
(Optional) Enable Pass on Surcharge to pass BNPL fees to your clients (where legally permitted)
Important Notes
BNPL will only appear in Revenue Tools if it is supported in your country
Your Stripe account currency must match your Studio Ninja invoice currency
Partial surcharges do not apply to BNPL
If enabled, the full surcharge will be passed to the client
How It Works
Once BNPL is enabled:
Clients can choose Affirm or Klarna at checkout (if available in their region)
You receive the full payment upfront
The BNPL provider collects installment payments from the client over time
Fees
BNPL transactions have higher fees than standard card payments.
Fees are set by the BNPL provider (Affirm or Klarna) according to the table below.
They are automatically applied when a client selects BNPL
Note: If Pass on Surcharge is enabled, these fees will be added to the client’s invoice total.
Affirm
Country | Processing Fee | Currency |
US | 6% + 0.30 | USD |
CA | 6% + 0.30 | CAD |
Klarna
Australia
Country | Processing Fee | Currency |
| 4.99% + 0.55 | AUD |
New Zealand
Country | Processing Fee | Currency |
| 4.99% + 0.65 | NZD |
United Kingdom
Country | Processing Fee | Currency |
| 2.99% + 0.35 | GBP |
| 2.99% + 0.35 | GBP |
| 4.99% + 0.35 | GBP |
| 5.99% + 0.30 | GBP |
EU Countries
If your Stripe account country is:
Austria
Belgium
Germany
Netherlands
Finland
France
Greece
Ireland
Italy
Portugal
Spain
Slovenia
Luxembourg
Slovakia
Country | Application Fee | Currency |
| 2.99% + 0.35 | EUR |
| 2.99% + 0.40 | EUR |
| 4.99% + 0.40 | EUR |
| 5.99% + 0.30 | EUR |
Czech Republic
Country | Application Fee | Currency |
| 2.99% + 8.50 | CZK |
| 2.99% + 9.50 | CZK |
| 4.99% + 8.50 | CZK |
| 5.99% + 8.50 | CZK |
Denmark
Country | Application Fee | Currency |
| 2.99% + 3.50 | DKK |
| 2.99% + 3.50 | DKK |
| 4.99% + 3.50 | DKK |
| 5.99% + 3.50 | DKK |
Norway
Country | Application Fee | Currency |
| 2.99% + 4.00 | NOK |
| 2.99% + 4.00 | NOK |
| 4.99% + 4.00 | NOK |
| 5.99% + 4.00 | NOK |
Poland
Country | Application Fee | Currency |
| 2.99% + 1.65 | PLN |
| 2.99% + 2.00 | PLN |
| 4.99% + 1.65 | PLN |
| 5.99% + 1.65 | PLN |
Romania
Country | Application Fee | Currency |
| 2.99% + 1.50 | RON |
| 2.99% + 1.50 | RON |
| 4.99% + 1.50 | RON |
| 5.99% + 1.50 | RON |
Sweden
Country | Application Fee | Currency |
| 2.99% + 4.50 | SEK |
| 2.99% + 4.00 | SEK |
| 4.99% + 4.50 | SEK |
| 5.99% + 4.00 | SEK |
Switzerland
Country | Application Fee | Currency |
| 2.99% + 0.35 | CHF |
| 2.99% + 0.40 | CHF |
| 4.99% + 0.40 | CHF |
| 5.99% + 0.30 | CHF |
Frequently Asked Questions
Do I get paid upfront if a client uses BNPL?
Yes. You receive the full payment immediately. The BNPL provider collects payments from the client over time.
Are BNPL fees higher than normal card payments?
Yes. BNPL fees are higher and are determined by the provider. Refer to the fees table for details.
Can I pass these fees on to my clients?
Yes. Enable Pass on Surcharge in Settings > Payment Methods > Stripe > Revenue Tools. Make sure this complies with your local laws.
Can clients choose between BNPL and normal payment?
Yes. BNPL is optional and appears at checkout if available.
Is Afterpay supported?
No, Afterpay is not currently available.
Does BNPL affect my payout timing?
No. You still receive full payment upfront, just like a standard card payment.