Buy Now, Pay Later (BNPL) Overview Buy Now, Pay Later lets shoppers split purchases into 4 interest-free installments or longer financing plans. Offering BNPL at checkout typically increases average order value (AOV) by 15–40% and reduces checkout abandonment for high-ticket items. The three major providers — Klarna, Afterpay (Clearpay in UK), and Affirm — each have native integrations for Shopify, WooCommerce, and BigCommerce that require no custom code to install. When to Use This Skill - When AOV is in the $100–$3,000 range where installments meaningfully help conversion - When analytics s…