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A Guide to Integrating Buy Now, Pay Later (BNPL) Options

To integrate BNPL, sign up with a provider (Klarna, Affirm, Afterpay, Sezzle, or Zip), add their plugin or API to checkout, and let them handle underwriting and payout. Merchant fees run 3.29%-8% plus $0.30 per transaction, versus 2-3% for standard cards. Plugin integrations on Shopify, WooCommerce, or Magento go live in under a day; custom API builds take 1-4 weeks.