App Version: 46 and above
Plans: Pro, Pro Plus
Goldie offers a Buy Now, Pay Later (BNPL) option, allowing your clients to pay in installments while you get paid upfront. This feature is available in select countries only and applies to transactions that are:
Over $50
The service is less than 30 days from today
The person making the purchase is in the same country as the business
1. Who Can Use BNPL?
Currently, BNPL is available for Pro and Pro Plus Goldie users in:
United States
Puerto Rico
Canada
United Kingdom
Australia
You can toggle BNPL on or off in your Payments settings.
Note: If your country is not listed above, please refer to this article for information on supported transactions.
2. How BNPL Works
Once enabled, BNPL appears as a payment method at checkout.
Here’s how it works:
For charges above $50, your client will have the option to choose a Buy Now, Pay Later provider during the checkout process. NOTE: We present clients by default with the BNPL provider that is the best fit for them, but they have the option to navigate to more.
Your client goes through the approval process for their BNPL provider. This will only take a couple of minutes and if they prefer they can get pre-approved before the appointment (more information below)
You receive the full amount (after fee) immediately, while the client repays in installments.
The BNPL provider is fully responsible for collecting the installment payments.
3. Fees & Payments
In the United States and Puerto Rico - BNPL providers charge a 6% + $0.30 transaction fee per payment. For example:
On a $100 transaction, you receive $93.70 after fees.
This amount is deposited into your Goldie Payments account as usual.
Other Countries:
Canada: 6% + .40 CAD
United Kingdom: 5% + 35p
Australia: 5.5% + .55 AUD
4. How to Enable BNPL in Your Goldie Account
Go to Payments Settings: Once available, navigate to Payments > Buy Now, Pay Later.
Turn it On: Toggle the switch to enable BNPL for your clients.
5. Refunds & Disputes
Refund Policy
You can refund BNPL transactions back to clients within 60 days from the transaction date.
The refund includes the full transaction amount and transfer fees.
Refunds are processed from your balance, similar to standard refunds.
Dispute Handling
If a client disputes a BNPL transaction, the BNPL provider manages the process.
If a chargeback occurs, it follows standard Stripe dispute resolution policies.
6. Pre-Approval
Your clients can go directly to the BNPL providers to get pre-approved for the cost of the Service.
Klarna (United States, Australia, Canada, UK) - Pre-Approval
Zip (United States, Australia) - Pre-Approval
Affirm (United States, Canada) - Pre-Approval
Cash App Afterpay (United States, Australia, Canada, UK) - Pre-Approval
7. Important Notes
Booking Date Restriction: BNPL is only available for bookings within 30 days of payment to avoid refund complications.
Non-Card Payment Method: BNPL is processed separately from traditional card payments.
Pass-On Fee: Unlike with payments, there is no way to fully pass on the cost of BNPL to the cardholder. If you currently charge a processing fee to offset the payment fees, this will offset some, but not all of the BNPL fee. Your client will usually pay the same amount in total regardless of the payment method they choose (some BNPL providers may charge some fees directly depending on various credit factors) .
FAQs:
How does Buy now, pay later work?
When you enable BNPL, clients can choose it as a payment option for online transactions. They select a BNPL provider at checkout, get approved, and pay in installments, while the provider instantly transfers the full amount to your Goldie Payments account.
Are there any extra fees?
Yes. BNPL service providers charge a transaction fee. For more details, click the link below.
Can I refund a payment processed through a ‘Buy now, pay later’ provider?
Yes, you can refund a payment processed through a BNPL provider, but you’ll also have to cover the fees charged when the BNPL transfers the full amount to your account.
What happens if the client doesn’t pay their BNPL installments?
If a client misses BNPL payments, the provider handles collections. Your business is unaffected, as you receive full payment upfront.
How are disputes handled for BNPL transfers?
Disputes are treated just the same as any other payment method.
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