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<item><title><![CDATA[Affirm review: what is it, and how does it stack up against other BNPL providers?]]></title><description><![CDATA[Affirm is a Buy Now, Pay Later provider offering merchants a way to finance customer purchases in North America, the United Kingdom, and soon Australia. Find out how Affirm works, its fees, and top alternatives for sellers seeking more flexibility. ]]></description><link>https://whop.com/blog/affirm-review/</link><guid isPermaLink="false">691ebe258d259a00015d1bd8</guid><category><![CDATA[Payments]]></category><dc:creator><![CDATA[Liv Carr]]></dc:creator><pubDate>Fri, 21 Nov 2025 02:59:53 GMT</pubDate><media:content url="https://whop.com/blog/content/images/2025/11/bnpl.jpeg" medium="image"/><content:encoded><![CDATA[<img src="https://whop.com/blog/content/images/2025/11/bnpl.jpeg" alt="Affirm review: what is it, and how does it stack up against other BNPL providers?"><p>Affirm is a well-known <a href="https://whop.com/blog/buy-now-pay-later-on-whop/"><u>Buy Now, Pay Later (BNPL)</u></a> provider in North America and the UK – and it’s expanding into Australia again soon. </p><p>For online sellers, Affirm is an easy way to let customers split purchases into instalments, while you get paid up front. </p><div class="kg-card kg-cta-card kg-cta-bg-blue kg-cta-minimal " data-layout="minimal">
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<p><b><strong style="white-space: pre-wrap;">BNPL has been proven to lift AOV (average order values) by 20-40%, proving its effectiveness in increasing conversion rates and checkout experiences. </strong></b></p>
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</div><p>But is Affirm the best BNPL option for online sellers?</p><p>Here, we break down exactly how Affirm works, who can use it, what it costs, and the pros and cons of using Affirm for digital-first brands. </p><p>You’ll also be able to see how Affirm stacks up against other BNPL options like Klarna, ZIP, Splitit, Sezzle, and Afterpay – plus how to use BNPL to strategically drive purchases.</p><h2 id="how-does-affirm-work">How does Affirm work?</h2><figure class="kg-card kg-embed-card"><iframe width="200" height="113" src="https://www.youtube.com/embed/IlOs3qRo6F0?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Affirm How It Works | Buy Now Pay Later App"></iframe></figure><p>Affirm lets shoppers split their purchases into biweekly or monthly payments, while merchants receive the full order value immediately (minus fees). </p><p>BTS, Affirm approves your customer (using a soft credit check), issues the instalment plan, and handles repayments, interest (where applicable), and payment collection.</p><p>Here’s a closer look at how it operates from each side:</p><h3 id="for-merchants">For merchants:</h3><figure class="kg-card kg-embed-card"><iframe width="200" height="113" src="https://www.youtube.com/embed/DA34pvl7tnM?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Affirm: Happy customers. Higher average order value."></iframe></figure><p>For sellers, Affirm offers a pretty hands-off and simple way to give customers financing:</p><ul><li><strong>Add Affirm to your checkout</strong>: Via API, ecommerce plugins, or a hosted checkout flow. Most merchants install a plugin via their commerce platform or have a developer connect to their website. </li><li><strong>Customers choose Affirm when purchasing</strong>: A fast eligibility check is performed based on the order amount and their personal repayment history – most returning customers are approved instantly. </li><li><strong>Affirm approves or declines the purchase</strong>: Based on credit checks and risk scoring. </li><li><strong>You get paid</strong>: In full, <em>usually</em> within 1-3 business days. </li><li><strong>Affirm manages the admin</strong>: All repayments (including late payments), as well as customer support.</li></ul><h3 id="for-consumers">For consumers:</h3><figure class="kg-card kg-embed-card"><iframe width="200" height="113" src="https://www.youtube.com/embed/BNOxtyrqTA0?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Checkout using Affirm"></iframe></figure><p>For customers, the process is even simpler:</p><ul><li>Select <strong>Affirm</strong> at checkout.</li><li><strong>Complete a short application</strong>: In most regions, this is a soft credit check that doesn’t affect consumer credit scores. </li><li><strong>Choose a repayment plan</strong>: Depending on the region, Affirm offers Pay-in-4, biweekly payments, or monthly instalments. </li><li><strong>Make repayments</strong>: Paid back within the Affirm app or via automated debits.</li><li><strong>Interest</strong>: Varies by product, region, and merchant agreement. Some plans are interest-free. </li></ul><h2 id="how-to-install-affirm-at-your-checkout">How to install Affirm at your checkout:</h2><p>To offer customers Affirm at your online checkout, you’ll need to complete the following steps:</p><h3 id="create-a-merchant-account">Create a merchant account</h3><p>Sign up on Affirm’s site and submit your business details. Affirm will then review your business, industry, risk profile, and projected sales before approving (or declining) your account. </p><h3 id="complete-the-onboarding-review">Complete the onboarding review</h3><p>After you submit your initial application, Affirm may ask for extra documents: think proof of business registration, bank statements, or even details about your product catalog. This helps Affirm confirm you’re compliant, financially stable, and able to deal with refunds. </p><h3 id="choose-your-integration-method">Choose your integration method</h3><p>Once approved, you can connect Affirm to your online store. </p><p>Most merchants do this by installing a plugin on platforms like Shopify – but if you already use a <a href="https://whop.com/blog/payment-processors/" rel="noreferrer"><u>payment processor</u></a> that supports Affirm, you can enable it there. </p><p><em><strong>Note</strong>: Custom sites require a developer who can use Affirm’s setup tools. </em></p><h3 id="set-up-your-instalment-options">Set up your instalment options</h3><p>In your merchant dashboard, you’ll choose which repayment plans you want to offer. This may (depending on your region) include Pay-in-4, biweekly, or monthly financing. </p><p>Not all plans are available to every business, though – Affirm decides based on your industry, location, and agreement. </p><h3 id="test-your-checkout-flow">Test your checkout flow</h3><p>Before going live, test transactions to make sure the Affirm button displays correctly and that the approval flow works. </p><p>Testing ensures customers see accurate offers and don’t hit any roadblocks during payment. </p><h3 id="go-live">Go live</h3><p>When everything is set up, activate Affirm in your checkout. </p><p>Only shoppers in eligible countries will see it as a payment option, so for maximum coverage, pair Affirm with other BNPL providers that can reach more global customers. </p><h2 id="who-can-use-affirm">Who can use Affirm?</h2><p>Affirm is available to sellers (and shoppers) in the United States, Canada, and the United Kingdom – with rollout plans for Australia. </p><p>It’s usually used by <a href="https://whop.com/blog/ecommerce-payment-processing/"><u>ecommerce</u></a> brands selling mid-to-high ticket products or offers, where BNPL can help reduce what’s known as ‘sticker shock’: being unable to justify such a high price point. </p><p>Shoppers outside the above markets won’t see Affirm as a payment option – which is why many sellers add additional BNPL providers to their stack, to be able to finance customers globally.</p><h3 id="eligibility-requirements-for-sellers">Eligibility requirements for sellers:</h3><p>To offer Affirm at checkout, merchants need to meet specific criteria:</p><ul><li><strong>Operate in a supported region</strong>: Currently, the US, Canada, and the UK. </li><li><strong>Sell within Affirm’s approved categories</strong>: Most physical and digital products are supported, but high-risk and regulated industries are typically not accepted.</li><li><strong>Pass Affirm’s risk and compliance checks</strong>: Reviews typically include financial checks in order to ensure your business is stable, compliant, and able to handle refunds or disputes.</li><li>Use a <strong>supported</strong> ecommerce platform, payment processor, or custom API integration.</li></ul><p>While Affirm doesn’t have the strictest criteria, it’s important to note that approval isn’t guaranteed – Affirm can decline businesses based on transaction volume, industry risk, or other regulatory considerations. </p><p>Many merchants choose to combine Affirm with other BNPL options to reduce their dependence on a single provider. </p><h2 id="affirm%E2%80%99s-pricing-and-fees">Affirm’s pricing and fees</h2><p>Affirm charges merchants a per-transaction fee every time a customer uses BNPL as an option at checkout – the exact rate varies by region, industry, risk level, and repayment plan. </p><p>Affirm does not charge any setup fees, monthly fees, or ongoing subscription costs, though, which is a huge win. </p><p>Here’s an overview of fees merchants can expect: </p><h3 id="transaction-fees">Transaction fees</h3><p>Affirm charges a percentage of the purchase price, plus a fixed fee. Rates typically range from 2-5% per transaction – but they can be even higher for long-term financing or high-risk categories. Each merchant receives a custom rate during onboarding. </p><h3 id="plan-dependent-pricing">Plan-dependent pricing: </h3><p>Different installment products (Pay-in-4, monthly, biweekly, or long-term) carry different fee structures. Affirm may price longer-term plans at a premium rate, because they inherently carry more lender’s risk. </p><h3 id="cross-border-fees">Cross-border fees:</h3><p>Affirm currently supports the United States, Canada and the United Kingdom, with Australia coming soon. Fees and available plans vary in each region. Merchants selling to customers outside Affirm’s supported markets won’t be able to offer it, which often pushes sellers toward multiple BNPL providers for broader coverage.</p><h3 id="dispute-and-refund-handling">Dispute and refund handling</h3><p>If a customer disputes a charge or requests a refund (and it’s ruled in their favour), Affirm returns the settled funds to the shopper, and the original transaction fee you paid is usually not refunded. So even if you issue a full refund, you’ll still absorb the BNPL processing fee because Affirm already took care of credit checks and payment handling for that transaction. </p><h3 id="interest-and-apr">Interest and APR</h3><p>Some Affirm plans are interest-free, while others are not. Merchants do not automatically pay any interest – this is the shopper’s responsibility; however, some sellers do choose to subsidise interest-free offers as part of their marketing strategy. </p><h2 id="pros-and-cons-of-using-affirm-as-your-bnpl-provider">Pros and cons of using Affirm as your BNPL provider</h2><figure class="kg-card kg-embed-card"><iframe width="200" height="113" src="https://www.youtube.com/embed/7GI9x0thhr4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Affirm Buy Now Pay Later Review 2025 | Pros and Cons – Honest & Unbiased"></iframe></figure><p>Affirm can help boost conversion and average order value, but it also comes with limits that matter for growing ecommerce brands. </p><p>Here’s what to expect:</p><h3 id="pros">Pros:</h3><ul><li><strong>Higher conversions on big-ticket products</strong>: Instalments reduce upfront cost, making it easier for customers to choose high-value purchases. </li><li><strong>Instant approval flow</strong>: Most returning Affirm customers are approved instantly at checkout, reducing drop-off. </li><li><strong>Trusted brand</strong>: Affirm is well-known in North America, which builds shopper confidence and helps to increase CTR and cart completion. </li><li><strong>Multiple repayment options</strong>: Customers can choose from various financing periods, depending on their eligibility, region, and affordability.</li><li><strong>No monthly or setup fees</strong>: Merchants only pay transaction fees, making it simple to understand the total cost of running Affirm at checkout. </li></ul><h3 id="cons">Cons:</h3><ul><li><strong>Limited geographic coverage</strong>: Affirm is only available to shoppers in the US, Canada, and the UK (with an Australian rollout coming soon). Customers outside these regions never see it as an option at checkout. </li><li><strong>Stricter underwriting and approval rates</strong>: Compared to competitors like Klarna and Afterpay, Affirm is known for tighter credit checks. It conducts a detailed underwriting process for every merchant and product category, meaning some businesses are declined even when other BNPL providers approve them.</li><li><strong>Affirm controls repayments</strong>: You can’t force Pay-in-4 or monthly plans; Affirm decides which plans each shopper gets based on its internal risk model. Alternatives like <a href="https://whop.com/blog/what-is-klarna/"><u>Klarna</u></a> give merchants more flexibility here.</li><li><strong>Familiarity</strong>: While American shoppers may be familiar with Affirm, shoppers in the United Kingdom may be more familiar with Klarna and Afterpay. Patchy brand trust = patchy conversions. </li><li><strong>Interest</strong>: Customers always see interest-bearing plans unless the merchant subsidises 0% APR options. Other BNPL providers often default to <strong>interest-free</strong> Pay-in-4, making them more appealing to shoppers.</li></ul><p>With those cons in mind, Affirm might not be the best option for online sellers who need global financing with more flexibility around business acceptance, repayments, and customer approval.</p><h2 id="top-bnpl-alternatives-to-affirm">Top BNPL alternatives to Affirm</h2><figure class="kg-card kg-embed-card"><iframe width="200" height="113" src="https://www.youtube.com/embed/fN7GlrOxdXM?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Best Buy Now Pay Later (BNPL) Solutions for your Business | Affirm, Afterpay and Klarna"></iframe></figure><p>Looking for BNPL options with wider appeal, higher approval rates, or more flexible repayment plans than Affirm?</p><p>These alternative providers offer strong solutions for brands and creators who want to reach more customers without compromising.</p><p>Each provider has its own strengths, limits, and approval styles – which is why Whop Payments supports all five. </p><blockquote><em>We’re laser focused on structuring how people actually make money on the internet to ensure a sustainable income for everybody.<br><br>- Hunter Dickinson, Head of Partnerships at Whop</em></blockquote><p>Once you’re approved, these options appear automatically at your checkout for eligible customers, helping you cover more markets, reduce declines, and convert buyers who prefer (or can only afford) installment-based purchases. </p><p>Here’s how each one works, and what makes them a good fit for different types of online businesses:</p><h3 id="klarna">Klarna</h3><figure class="kg-card kg-embed-card"><iframe width="200" height="113" src="https://www.youtube.com/embed/djFTS3qMt0o?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Affirm vs Klarna: Which is Better? (2025)"></iframe></figure><p>Klarna is the “browse-first, buy-later” provider with one of the strongest consumer ecosystems in the BNPL world. </p><p>Unlike most instalment platforms, Klarna operates a whole discovery marketplace, meaning customers often arrive <em>with</em> a Klarna account and a pre-set spending profile. This gives merchants access to high-intent shoppers who already trust Klarna’s checkout flow. </p><p>Klarna offers Pay-in-4, Pay-in-30, and longer-term financing, and dynamically presents the best option based on customer history. On Whop, Klarna stands out for its higher limit (up to $10,000).</p><ul><li><strong>Pros</strong>:
Strong brand recognition with high shopper trust, multiple instalment types, instant approval experience, high transaction limit on Whop (up to $10,000).</li><li><strong>Best for</strong>: Businesses selling mid-high ticket offers to US customers who want a well-known, friction-free BNPL experience.</li></ul><h3 id="zip">ZIP</h3><figure class="kg-card kg-embed-card"><iframe width="200" height="113" src="https://www.youtube.com/embed/jJNA-qnwC_U?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Access Changes Everything"></iframe></figure><p>ZIP is a fast and familiar Pay-in-4 provider designed for low-commitment purchases. It doesn’t try to be a financing platform or a credit builder; its entire appeal is that it feels simple. </p><p>Customers know exactly what they’re getting: four equal payments over six weeks, no drama. </p><p>On Whop, ZIP’s lower $1,500 limit means it’s best suited for mid-tier programs, digital products, or coaching offers where buyers want instant approval without long-term debt.</p><p>Its approval engine leans more on behavioural data than strict credit scoring, so it converts well for impulse-friendly purchases.</p><ul><li><strong>Pros</strong>:
Extremely predictable, no-surprises Pay-in-4 structure, fast approvals suited to lower-commitment buys.</li><li><strong>Best for</strong>: Mid-tier offers where speed and simplicity matter more than financing flexibility.</li></ul><h3 id="splitit">Splitit</h3><figure class="kg-card kg-embed-card"><iframe width="200" height="113" src="https://www.youtube.com/embed/2Pgd-ltrzGY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Splitit's White-label, Embedded Installments"></iframe></figure><p>Instead of financing, <a href="https://whop.com/blog/splitit-review/"><u>Splitit</u></a> uses the customer’s existing credit card balance and simply divides the amount into instalments. </p><p>No credit checks, no new accounts, no risk scoring. If the card has room, the customer is approved. </p><p>This gives Splitit one of the highest approval rates in the industry, especially for high-ticket digital programs where traditional BNPL declines spike. </p><p>On Whop, Splitit supports purchases up to $20,000, but holds 15% of each transaction as security for 180 days.</p><ul><li><strong>Pros</strong>: No credit check means nearly frictionless approvals, perfect for high-ticket offers that other BNPL lenders typically decline; customers don’t open new credit lines.</li><li><strong>Best for</strong>: High-ticket programs where customers have credit available but BNPL lenders fail them.</li></ul><h3 id="sezzle">Sezzle</h3><figure class="kg-card kg-embed-card"><iframe width="200" height="113" src="https://www.youtube.com/embed/fbYU_evvmDc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Sezzle Review 2025 | Worth It or Leave It?"></iframe></figure><p><a href="https://whop.com/blog/what-is-sezzle/"><u>Sezzle</u></a> is a flexible BNPL provider that appeals to younger and budget-conscious buyers. </p><p>It has built-in payment rescheduling, helping customers avoid missed payments and helping merchants prevent disputes. </p><p>Sezzle’s approval model is designed for shoppers with thinner credit files, making it a strong choice for digital creators, educators, fitness coaches, and subscription-style audiences. </p><p>On Whop, Sezzle supports US customers up to $2,500, placing it in the sweet spot for mid-priced educational and coaching offers.</p><ul><li><strong>Pros</strong>: Forgiving payment structure with rescheduling, designed for buyers with lighter or non-traditional credit histories, and straightforward instalment experience.</li><li><strong>Best for</strong>: Creators selling accessible, mid-priced digital products to younger US customers.</li></ul><h3 id="afterpay">Afterpay</h3><figure class="kg-card kg-embed-card"><iframe width="113" height="200" src="https://www.youtube.com/embed/pCWGeiSTnww?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Afterpay myths? Get the truth."></iframe></figure><p>Afterpay is the impulse-buy and mid-ticket king of BNPL – and one of the most trusted Pay-in-4 brands globally. </p><p>Shoppers know exactly what they’ll owe and when, which reduces hesitation (especially for lifestyle, wellness, coaching, and education).</p><p>Plus, Afterpay’s entire approval model is optimised for low-friction decisions, meaning customers get an instant yes or no with minimal data collection. </p><p>On Whop, Afterpay supports purchases up to $4,000 for US customers, making it ideal for programs that are too expensive for “impulse” but too cheap for long-term financing.</p><ul><li><strong>Pros</strong>: High-trust brand that boosts checkout confidence, ultra-fast approval flow, and interest-free by default.
</li><li><strong>Best for</strong>: Mid-priced offers where interest-free instalments dramatically improve conversion.</li></ul><h2 id="which-bnpl-provider-is-best-for-my-business">Which BNPL provider is best for my business?</h2>
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<b>Provider</b>
</td>
<td>
<b>Max limit on Whop)</b>
</td>
<td>
<b>Regions</b>
</td>
<td>
<b>Strength</b>
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<b>Best for</b>
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<td>
Klarna
</td>
<td>
$10,000
</td>
<td>
US
</td>
<td>
High-intent shoppers and flexible instalments
</td>
<td>
Mid-high ticket digital programs
</td>
</tr>
<tr>
<td>
ZIP
</td>
<td>
$1,500
</td>
<td>
US
</td>
<td>
Fast, simple Pay-in-4 experience
</td>
<td>
Low-mid priced offers
</td>
</tr>
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<td>
Splitit
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<td>
<p>$20,000
</p></td>
<td>
Global
</td>
<td>
No credit checks with high approval rates
</td>
<td>
High-ticket coaching or services
</td>
</tr>
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<td>
Sezzle
</td>
<td>
$2,500
</td>
<td>
US
</td>
<td>
Flexible payments for younger buyers
</td>
<td>
Mid-priced digital products
</td>
</tr>
<tr>
<td>
Afterpay
</td>
<td>
$4,000
</td>
<td>
US
</td>
<td>
Ultra-fast, interest-free Pay-in-4
</td>
<td>
Mid-ticket, impulse-adjacent offers
</td>
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<p><strong>Truth is, there’s no single best BNPL provider</strong>: the best option depends on what you sell, who you sell to, and the price point of your offer. </p><p>Most sellers see the highest conversion lift when they offer a mix of instalment providers rather than relying on one. </p><p>That’s because each BNPL platform has its own approval logic, customer base, and spending profile:</p><ul><li>Some shoppers only trust Klarna</li><li>Others already use Afterpay</li><li>Some get declined by traditional BNPL lenders, but get approved instantly with Splitit (because it uses their existing credit card)</li><li>ZIP and Sezzle convert buyers who prefer simple, low-commitment instalments</li></ul><p>In other words, when you offer multiple options, you reduce unnecessary declines, reach more customer types, and lift both AOV and checkout completion (especially for digital products, coaching, courses, and services where price is the main barrier).</p><p><a href="https://whop.com/blog/payments-launch/"><u>Whop Payments</u></a> automatically surfaces all approved BNPL providers to eligible buyers, so you don’t have to choose one. You simply give customers more ways to pay, and you get paid in full upfront.</p><figure class="kg-card kg-video-card kg-width-regular" data-kg-thumbnail="https://whop.com/blog/content/media/2025/11/Build-a-profitable-course-business---Carl-Parnell_thumb.jpg" data-kg-custom-thumbnail="https://whop.com/blog/content/images/2025/11/Build-a-profitable-course-business---Carl-Parnell.webp">
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<blockquote><em>I decided to move over to Whop because they had access to more Buy Now, Pay Later options – which I just couldn't secure on the previous platform. <br><br>I’m now taking payments that I couldn't previously accept, because people just couldn't afford my fee up-front. In the last couple of months, I've done $124,000 in sales. <br><br>- Coach </em><a href="https://youtube.com/CarlParnellCoach" rel="noreferrer"><em>Carl Parnell</em></a></blockquote><h2 id="how-to-use-bnpl-to-increase-checkout-conversions">How to use BNPL to increase checkout conversions</h2><p>Remember, BNPL isn’t just a payment method; it’s a conversion tool. </p><p>When customers see smaller instalments instead of the full upfront price, hesitation drops and <a href="https://whop.com/blog/lets-improve-your-payment-acceptance/"><u>payment acceptance</u></a> rises. </p><p>A few simple methods can lift AOV, reduce cart abandonment, and help more buyers say yes:</p><ul><li>Show instalment options on <strong>product pages</strong>, not just checkout</li><li>Offer<strong> multiple BNPL providers</strong> to reduce declines and widen coverage.</li><li><strong>Match your BNPL providers to your price point</strong>: Pay-in-4 for mid-ticket, Splitit for high-ticket, etc.</li><li><strong>Highlight instalment pricing</strong>: In ads, emails, landing pages, and sales funnels.</li><li><strong>Use Pay-in-4</strong>: For frictionless impulse purchases; use monthly financing for higher-ticket offers.</li><li><strong>Make your offer pages clear</strong>: Use social proof to reduce BNPL hesitation.</li><li>Remind buyers that <strong>approval is instant</strong> and payments are <strong>interest-free</strong> (when applicable).</li><li>Use BNPL to <strong>create</strong> <strong>tiered pricing</strong>: e.g., “$800 or $200 x 4 payments”.</li><li>Offer BNPL during live launches, product drops, and coaching enrolments to boost urgency. </li><li>Ensure your <strong>dispute rate stays low</strong>, so your BNPL access remains active on Whop.</li></ul><h2 id="access-multiple-bnpl-options-and-reach-more-customers-with-whop-payments">Access multiple BNPL options and reach more customers with Whop Payments</h2><figure class="kg-card kg-embed-card"><iframe width="200" height="113" src="https://www.youtube.com/embed/k9HF07_vMWs?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="How to apply for BNPL financing (Whop Tutorials)"></iframe></figure><p>If you want to offer BNPL that actually increases conversion, relying on a single provider won’t get you there. </p><p>Every BNPL platform has different approval logic, limits, regions, and customer preferences – that’s why Whop Payments gives you access to multiple BNPL options at once. That way, more customers get approved and fewer carts are abandoned. </p><p>You get one streamlined checkout, one dashboard, and upfront payouts on every BNPL order.</p><p><strong>BTW, BNPL is only one part of the picture</strong>: Whop Payments also gives you global coverage across 190+ countries, 100+ payment methods, instant onboarding, crypto payments, and smart routing to reduce declines. </p><p>It’s a complete payment stack built for creators, coaches, and online businesses who want to scale without juggling multiple tools or providers.</p><blockquote><em>We’re bringing the dream of entrepreneurship to people who haven't really had that ability – payments are just one part of the stack. It doesn't stop there.<br><br>- Steven Schwartz, Whop CEO</em></blockquote><p>If your goal is higher AOV, smoother checkout, and more flexibility for your customers, Whop Payments brings everything into one place, from BNPL to digital wallets to one-click checkout links.</p><p>Start using BNPL on Whop and give your customers more ways to buy while you get paid in full, instantly.</p><div class="kg-card kg-button-card kg-align-left"><a href="https://whop.com/new/" class="kg-btn kg-btn-accent">Reach more customers with Whop</a></div><hr><h2 id="affirm-faqs">Affirm FAQs</h2><h3 id="what-is-affirm">What is Affirm?</h3><p>Affirm is a Buy Now, Pay Later provider that lets customers split purchases into instalments while merchants receive the full payment upfront. It offers Pay-in-4, biweekly, and monthly financing options depending on the shopper’s eligibility and region.</p><h3 id="does-affirm-work-globally">Does Affirm work globally?</h3><p>No. Affirm is currently available to customers in the United States, Canada, and the United Kingdom, with limited expansion plans. Shoppers outside these regions won’t see Affirm as a payment option.</p><h3 id="what-are-affirm%E2%80%99s-fees">What are Affirm’s fees?</h3><p>Affirm charges merchants a per-transaction fee made up of a percentage of the order value plus a fixed amount. Rates vary by business type, region, and repayment plan. Setup fees and monthly fees aren’t charged, but transaction fees are non-refundable on returns.</p><h3 id="how-does-bnpl-improve-conversion-rates">How does BNPL improve conversion rates?</h3><p>BNPL reduces upfront cost, making higher prices easier to justify. When customers see smaller instalments instead of the full amount, they’re more likely to complete checkout. BNPL also lowers friction and widens access for shoppers who prefer flexible payment options.</p><h3 id="how-do-i-choose-a-bnpl-provider">How do I choose a BNPL provider?</h3><p>Choose a BNPL provider based on your price point, customer location, approval rates, and the types of instalments you want to offer. Most businesses see better conversion when they provide multiple providers rather than relying on one, which is why Whop gives you access to 5.</p><h3 id="what-are-the-top-alternatives-to-affirm">What are the top alternatives to Affirm?</h3><p>The strongest alternatives to Affirm include Klarna, Afterpay, ZIP, Sezzle, and Splitit. Each offers different limits, approval logic, and regional coverage, helping merchants reach more customers and reduce declines.</p><h3 id="what-bnpl-options-does-whop-offer">What BNPL options does Whop offer?</h3><p>Whop Payments supports multiple BNPL providers: Klarna, Afterpay, ZIP, Sezzle, and Splitit. Once approved for financing, these instalment options automatically appear at checkout for eligible customers, helping you increase conversions and reach more buyers.</p>]]></content:encoded></item>
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