More ways to pay. More deals closed.
Add financing at checkout — in-store, online, or by phone — without leaving your current setup. Powered by ChargeAfter, now available through Coastal Pay, alongside your existing dual-pricing or convenience-fee program.
- Up to 84% approval rate
- Faster checkout, less cart abandonment
- One platform, 40+ lenders
- In-store, online & call center
One integration. Every credit profile.
Instead of betting on a single lender, ChargeAfter connects you to leading primary, secondary, and tertiary lenders — so more customers get approved, regardless of where they fall on the credit spectrum. Build the waterfall around your ticket size and purchase pattern once, then let it run — with full financing oversight and control in a single dashboard.
+ Koalafi, Service Finance, Slope, Foundation Finance, and 30+ more
Buy now, pay later — at a glance
| Provider | How it works | Min. Revenue | Countries |
|---|---|---|---|
| Klarna | Direct payments, pay-after-delivery, and Pay in 4 installments. B2C, online & offline. | $5M+/yr | EU, North America, AU/NZ |
| Affirm | Pay in 4 (interest-free, every 2 weeks) or monthly installments for bigger purchases. No hidden fees. | No minimum | US & Canada |
| Afterpay | Pay in 4 over 6 weeks, or monthly payments with interest. Free for customers who pay on time. | No minimum | US, Canada, UK, AU, NZ, FR, ES |
| Sezzle | Split into 4 interest-free payments over 6 weeks. | $3M+/yr | US, Canada, UK, EU & more |
| Splitit | Installments embedded in your checkout using the customer's existing credit card — no new application, no credit impact. | $10M+/yr | Online & offline (B2B) |
| Zip | Pay in 4 over 6 weeks, free for on-time payers. | $50M+/yr | US, Australia, NZ |
BNPL eligibility is industry-dependent — regulated financial services, adult content, gambling, cryptocurrency, debt/credit-repair services, and several other categories are not eligible. We'll confirm fit for your business before recommending a program.
Where financing moves the needle
Home improvement & solar · Medical, dental & elective procedures · Auto, RV & marine · Coaching & high-ticket services · Furniture & big-ticket retail — anywhere a customer hesitates over the full price today.
Fees eliminated. Bigger tickets closed.
This runs alongside your dual-pricing or convenience-fee setup, not in place of it. You still pay zero processing cost on everyday transactions — financing simply gives customers a way to say yes to the larger ones.
Stop Losing Sales to "I Can't Afford That Right Now."
Let's find the right financing mix for your ticket size and customers.
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