Boost Client Bookings Without the Risk of Non-Payment Using Flexible Buy Now, Pay Later Options

You’ve likely been there — a client is excited to work with you but hesitates because the full upfront payment feels out of reach. You could offer an internal payment plan, but that means taking on the risk of clients not making invoice payments or ghosting altogether. That’s where Dubsado Payments powered by Stripe steps in with a better solution: Buy Now Pay Later (BNPL), now supported through Affirm and Klarna. It gives your clients the flexibility to pay over time, while you get paid in full, up front. More yeses for them. Less risk (and chasing) for you.

Whether you’re onboarding a high-ticket client or offering seasonal promotions, flexible payment options can be the difference between a “not right now” and a signed contract. BNPL makes it easy for your clients to say “yes” — and even easier for you to get paid in full, right away.

What is Buy Now Pay Later (BNPL)?

BNPL allows your clients to split their payments into smaller, manageable installments while you get paid upfront in full. It offers both interest-free and longer-term financing options, depending on the platform’s eligibility and what your client chooses during checkout.

Now directly integrated into your Dubsado checkout flow, these BNPL tools are exclusively available via our Dubsado Payments powered by Stripe integration— our all-in-one payment solution built for creative service businesses that need clean, professional invoicing and reliable payments.

How it works with Dubsado Payments

Buy Now Pay Later is available through Dubsado Payments — all you need to do is enable it in your payment settings. Once turned on, your clients will automatically see Affirm and Klarna as options on their invoice, depending on their location and the total amount due. No complicated setup, no extra tools to manage — just more flexibility for your clients, and faster payments for you.

• Affirm: Offers options like Pay in 4 (interest-free) or extended monthly payments up to 36 months for amounts up to $30K.

• Klarna: Includes options like Pay in 4 or Pay Later in 30 days, depending on location.

💡 Pro tip: Want to increase conversions? Let your clients know these options are available upfront like your website, consultation, or proposal— especially if you offer premium or multi-phase services.

Why use BNPL with Dubsado?

Let’s talk about impact.

✅ Increase your average purchase value. Clients are more likely to book larger packages when they can pay over time.

✅ Improve checkout conversion. Studies show a lift of up to 21% in completed purchases with BNPL options.

✅ Eliminate payment delays or non-payment. You get paid in full immediately while Affirm and Klarna handle collection and all the risk.

✅ Reduce booking friction. Flexible payment options help clients move forward faster — especially those who might otherwise delay due to cash flow or budget constraints.

✅ Give clients one more reason to choose you. Not every service provider offers flexible payment options like Klarna or Affirm — when budgets are tight, that can be the deciding factor if a client is choosing between multiple service providers.

Our community is already singing BNPL’s praises

“I recently started using Klarna. I already offer flexible payment plans, but sometimes businesses are making a large investment and need even more flexibility in their payments than I can provide. Klarna works as the stop-gap — where clients can get flexible payments and I can trust that I will have income.” — Arianna Smith, Copywriting & Marketing

“I’m so stoked for this new Affirm integration. I’ve been wanting to offer longer payment plans, but don’t want to assume the risk. It’s such a game-changer for service providers who can now offer more affordability and longer term payment plans because Affirm is going to assume the risk on our behalf, while we get paid up front and allow opportunities for people to actually afford our services now. It’s a total win-win!” —Fifa Tran, Brand & Web Designer

Getting started

If you’re already using Dubsado Payments (Stripe), BNPL is already available to enable to your clients where supported. To make the most of it:

• Check out this help article on Affirm setup (US & Canada only)

• Check out this help article on Klarna setup

Not on Dubsado Payments yet? Read more about setting it up here and enable the most flexible way to get paid.

⚠️ Note: Availability of Affirm and Klarna is determined by their individual risk assessments, which may limit access based on your business industry, location, or transaction type. These decisions are made by Affirm and Klarna, not by Dubsado.

Final thoughts: help your clients say yes faster

Offering Klarna and Affirm through Dubsado isn’t just a fancy new feature — it’s a smart business decision that directly supports your growth. It helps your clients feel financially empowered, while you stay focused on delivering your service without worrying about when the next payment will come through.

Want to start using BNPL to boost your bottom line?

Start your free trial and setup Dubsado Payments powered by Stripe today and start getting paid faster.