Consumer Financing

Let Customers Buy Now, Pay Later

Give your customers the flexibility to pay over time while you get paid upfront. Consumer financing through Affirm, Afterpay, and other providers increases conversions and average order value.

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FurnitureElectronicsJewelryHome ImprovementMedical & DentalFitness Equipment

Overview

Understanding Consumer Financing

The buy now, pay later revolution has transformed consumer expectations. Today's shoppers, especially younger demographics, expect the option to split purchases into manageable payments. Businesses that offer financing see dramatic increases in conversion rates and average order values.

Unison Payment Solutions helps you integrate consumer financing options like Affirm, Afterpay, Klarna, and other leading providers. Your customers get the flexibility they want; you get paid upfront in full. It's a win-win that removes price objections and closes more sales.

The psychology is simple: a $1,000 purchase feels like a major decision. The same purchase as "four payments of $250" feels manageable. Financing doesn't create irresponsible spending—it gives customers options for planned purchases they would make anyway. You're simply removing friction from the buying decision.

For your business, financing options typically increase average order values by 30-50%. Customers who might have settled for a less expensive option often upgrade when payments are spread over time. Cart abandonment drops when price shock is softened. Conversion rates climb when financing removes the final objection.

The best part? You receive the full purchase price upfront, minus a small fee (typically 2-8% depending on the provider). The financing company handles collections and assumes all risk if the customer doesn't pay. It's like extending credit without any of the risk or complexity.

Implementation is straightforward. Financing options appear at checkout, customers apply in seconds and get instant decisions, and completed purchases fund to your account within days. No changes to your existing payment processing required.

Why Choose This

Key Benefits

What Consumer Financing means for your business.

Increase average order value by 30-50%

Convert price-hesitant browsers into buyers

Receive full payment upfront—no risk

Financing company assumes all payment risk

Attract new customers seeking payment flexibility

Competitive advantage over businesses without financing

No impact on your existing payment processing

Multiple provider options to match customer preferences

Process

How It Works

Customer Shops

Customer browses your products and builds their cart as usual.

Chooses Financing at Checkout

At checkout, customer selects their preferred financing option (Affirm, Afterpay, etc.).

Instant Approval

Customer provides basic info, receives instant approval, and completes purchase.

You Get Paid

Full purchase amount (minus small fee) deposits to your account within days. Customer pays the financing provider over time.

Features

What's Included

Multiple BNPL Providers

Offer Affirm, Afterpay, Klarna, and other buy now pay later options. Multiple providers means more customer approvals and preferences covered.

Instant Customer Approval

Customers apply and receive decisions in seconds at checkout. No lengthy applications or waiting—seamless buying experience maintained.

Full Upfront Payment

You receive the complete purchase price (minus fee) within 1-3 business days. No waiting for customer payments, no collection hassles.

Zero Risk Financing

The financing provider assumes all credit and fraud risk. If a customer doesn't pay, that's between them and the provider—you've already been paid.

Easy Integration

Financing options integrate with your existing eCommerce platform or POS system. We handle technical setup and testing.

Marketing Support

Providers often offer marketing materials and co-op opportunities to promote financing availability.

Investment

Pricing Overview

Transparent pricing for your business.

Merchant Fee

2-8% per financed transaction depending on provider and terms

Monthly Costs

Typically none—pay only for transactions

Setup

Usually free integration support

Frequently Asked Questions

Consumer Financing FAQs

How does consumer financing work for my business?

Customer selects financing at checkout and applies instantly. Upon approval, they complete the purchase. You receive full payment (minus a small fee) within 1-3 days. Customer then pays the financing provider over time according to their plan.

What are the typical fees for consumer financing?

Merchant fees typically range from 2-8% depending on the provider, financing terms, and your volume. Longer payment plans generally have higher fees. The increased conversion and average order value typically far outweigh the cost.

What if the customer doesn't pay the financing company?

You've already been paid in full. The financing provider handles all collections and assumes all risk. Non-payment is between the customer and the financing company—it doesn't affect your revenue or require any action from you.

What types of businesses benefit from consumer financing?

Any business with average order values over $100 can benefit. Particularly effective for furniture, electronics, jewelry, fitness equipment, home improvement, medical/dental procedures, and other considered purchases.

Do customers need good credit to get approved?

Approval criteria vary by provider. Some like Afterpay have minimal credit requirements for small purchases. Others like Affirm offer higher limits based on credit review. Offering multiple providers maximizes approval rates.

Does financing work for in-store purchases?

Yes! Many providers offer in-store financing through apps or QR codes. Customers scan at checkout to access financing. Works great for retail, service businesses, and medical practices.

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