Cost of offering BNPL to your customers

Merchants pay BNPL providers approximately 5–8% of the transaction amount plus a fixed fee. Affirm and Afterpay typically charge around 6% + $0.30. Klarna charges approximately 5.99% + $0.30. Compare this to a standard credit card processing fee of 2.9% + $0.30 — BNPL costs roughly 2–3× more. However, merchants report 20–40% higher average order values and 10–30% conversion rate improvements when BNPL is offered.

Does Klarna's fee compensate for fewer abandoned carts?

If BNPL converts 25% more customers who would otherwise abandon at checkout, and your average order is $150, the math can favor BNPL even at 5.99%: 1 extra sale at $150 nets $141 after Klarna fees, vs 0 sales without it. However, this only works if BNPL genuinely captures incremental customers — not just shifts existing customers from credit card to BNPL. A/B test before committing.

Who bears the risk if a BNPL customer doesn't pay?

The merchant does not. This is the key advantage of BNPL for sellers: Affirm, Afterpay, and Klarna assume all credit and fraud risk. The merchant receives full payment upfront (minus the fee). The BNPL provider then collects installments from the customer — if the customer defaults, that's the BNPL provider's problem, not yours.

Is BNPL worth it for lower average order values (under $50)?

Generally no. At $30, Affirm's 6% + $0.30 = $2.10 fee vs credit card's 2.9% + $0.30 = $1.17 — you're paying $0.93 more per transaction. At these price points, customers don't typically need installment payment options, and the conversion uplift is minimal. BNPL is most impactful for high-value purchases ($100–$2,000) where monthly payment amounts meaningfully reduce purchase anxiety.

Affirm / Afterpay / Klarna Merchant Fee Calculator

Calculate Affirm, Afterpay, and Klarna merchant fees for your online store. See exactly how much 'Buy Now, Pay Later' costs per transaction and whether conversion uplift justifies the fee.

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Enter a sale price to see the fee breakdown.

Frequently asked questions

Affirm / Afterpay / Klarna Merchant Fee Calculator — True Cost of BNPL

Offering 'Buy Now, Pay Later' can boost conversions, but it comes at a price: merchant fees of roughly 6% + $0.30 per transaction — roughly double a standard credit card rate. For high-margin products with high average order values, BNPL often pays for itself. For low-margin, low-ticket items, it can quietly erode profits. This calculator shows you exactly what each BNPL provider costs per transaction so you can make a data-driven decision.

Affirm, Afterpay & Klarna comparison

Switch between providers to compare exact fee structures. While similar, small differences in rate and fixed fee matter at scale.

Per-transaction cost breakdown

See the exact fee amount and remaining merchant revenue for any transaction size — from $20 items to $2,000 furniture.

Break-even analysis ready

Know the exact fee you'll pay so you can calculate whether your conversion rate increase covers the cost of the BNPL provider.

BNPL works best when enabled at checkout alongside, not instead of, traditional payment methods. Run a 30-day A/B test measuring conversion rate, AOV, and return rate before committing — BNPL customers sometimes have higher return rates that offset the conversion gain.

Fee rates verified and updated April 2026. Rates may change — verify directly with the platform before transacting.