Editorial Team
4 min read
If you’ve shopped online or in boutiques lately, you’ve likely seen a massive shift in how people pay. Driven by consumer demand, Buy Now Pay Later (BNPL) grew at three times the rate of traditional sales during recent holiday peaks. To help our merchants scale and capture this momentum, Clover is making a simple, natively embedded Klarna solution available to qualifying businesses.
The demand for flexible checkout options is growing rapidly, with a Morgan Stanley survey revealing that more than a quarter of U.S. consumers have already embraced Buy Now, Pay Later (BNPL) services. This payment method is expanding fast, financing 6% of all e-commerce sales, up from just 2% a few years prior. For boutique owners, the data shows this has become a staple for everyday fashion, with clothing and footwear ranking as the most common purchase category. Far from being a niche option, BNPL has found massive traction among premium retail demographics, boasting a 41% adoption rate among shoppers aged 16 to 24.1
Committed to helping merchants keep up with consumer demand, Clover is making a simple-to-use, easy-to-set-up BNPL solution available to qualifying Clover merchants.
Introducing Pay Later
Clover is now offering a pay-over-time technology solution that helps people make purchases with easy-to-understand payments. And it’s available online and in-store for Clover merchants who qualify.
4 reasons merchants need BNPL now
Offering Klarna installments online or via an in-store QR code removes upfront budget barriers for your customers. They get the flexibility to split their purchases into four interest-free payments, while you receive the full payment immediately at settlement. It’s an effortless way to attract new shoppers and boost retail sales.
1. BNPL boosts sales
BNPL removes budget and cash flow barriers for consumers. That means, consumers can buy more of the things they want–even higher priced items–in a way that’s manageable for them. For merchants, that can mean more sales.
When upfront budget constraints are cleared away, shoppers feel empowered to buy the items they actually want instead of settling for cheaper options. By introducing Klarna at checkout, Clover merchants see an immediate impact on their sales data: an average 40% increase in average order value and a 20% boost in checkout conversion rates.
2. Shoppers can pay the way they want
Shoppers want predictable control over their cash flow. With this integration, you can offer them Klarna’s core suite of payment choices: Pay in 4 interest-free installments for everyday boutique items, or long-term Pay over Time financing (up to 24 months) for premium retail merchandise and high-ticket sales.
In fact, removing the friction of an upfront lump sum directly encourages larger purchases, driving a 20% to 40% lift in average order value overall—and up to a massive 118% spike for in-store sales.2
3. You Get Paid Upfront, Guaranteed
While your customers enjoy the freedom to split their payments over weeks or months, your small business never plays the waiting game. Klarna acts as the payment intermediary. You receive the full payment upfront (minus standard transaction fees) deposited directly into your merchant account within a few business days. Klarna takes on all the credit and fraud risks, leaving you free to pack up orders and build customer relationships with complete peace of mind.
4. The technical lift is minimal
Clover handles the heavy lifting so you can focus on your business. For digital storefronts, it requires only a simple plugin; for brick-and-mortar stores, it integrates seamlessly with your existing Clover devices. No complicated configurations, no extra clutter on your counter.
5. It’s easy for your customers
Pay Later is a convenient and simple experience for customers – it’s as easy as shop-apply-pay later.
- Shop – Customers browse your store or website and see clear prompts to pay over time.
- Apply – Right at checkout, shoppers scan a quick QR code on your Clover device or click the option online. They fill out a minimal application and get a real-time spending decision.
- Pay Later – Customers then purchase the items they want using Pay Later. And, if customers haven’t applied for Pay Later before the time of purchase, they can apply right at check out. And that can help drive even more sales.
That’s it!
Stay tuned for more
Clover is committed to helping you run your business and adding the capabilities you and your customers need. Pay Later empowers you to offer customers both pay in 4 and installment loans–and to offer these options both in-store and online. All designed to help you drive sales!
At this time, we’re offering BNPL solutions through Clover for select Merchants who qualify.
1Morgan Stanley Research, Jun 9, 2025
2Clover and Klarna internal retail market research, April 2026
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