Merchant guides
Guides for High-Ticket Payments and Financing
Merchant-side guides on BNPL eligibility, customer payment plans, processor risk, and underwriting for businesses selling high-ticket offers.
Explore how customer payment plans, provider requirements, and processing practices fit high-ticket businesses. These guides explain which categories providers typically allow, treat case-by-case, or prohibit.
PayFull helps high-ticket businesses offer buy now, pay later and other financing in their own checkout, under their own merchant accounts and provider agreements. PayFull is not a lender, merchant of record, or payment processor, and does not hold client funds.
This is general information, not legal or financial advice. Financing is subject to credit approval.
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Foundational reading
How to Offer Financing to Customers: In-House or Third Party
Offering customer financing turns a large one-time cost into payments over time, which can help a buyer say yes on a high-ticket purchase. But before you switch anything on, one structural question…
How Affirm Reaches Your Checkout: Five Integration Paths
A direct integration, a provider console, a platform plugin, a digital wallet, or a virtual card the customer brings. Five routes to one brand, with different answers to who signs and who settles.
Affirm vs Klarna vs Afterpay vs SplitIt for Merchants
Choose a financing conversation around your offer, customer journey, and operating requirements with a merchant comparison of Affirm, Klarna, Afterpay, and SplitIt.
Guide library
Browse the guides
Payment Plan and BNPL Together: Running Both at Checkout
Some high-ticket sellers want to run their own payment plan and also show a third-party buy now, pay later option at the same checkout. Both can serve buyers, but they are not the same thing and they…
Do You Need a Website to Offer BNPL at Checkout?
Many coaches and consultants close by phone, by DM, or after a webinar, so the real question is not "where is my store?" but "what does a financing provider need to attach to?" You do not need a full…
What a Self-Funded Payment Plan Agreement Must Say
When you let a customer pay over time out of your own pocket, you carry the balance yourself. That choice puts the full relationship on your paper, so the agreement has to answer hard questions…
Processor Holds Your Account? What Happens to Financing
A card processor's hold or closure acts on your card-processing account and the card transactions that settle through it. An already-financed sale is a different relationship entirely, owned by your…
Checkout Financing Readiness Before Q4 Launch Season
Preparing BNPL checkout before a Q4 program launch is operational planning work, not a results forecast. A concentrated launch window puts many buyers through one checkout at once, so the smart move…
Bank-Backed vs Fintech BNPL: Does It Matter?
When you compare buy now, pay later options for a high-ticket checkout, you will see some providers described as "bank-backed" and others as "fintech." It is easy to read a bank charter as a sign…
Financing a Service Delivered Over Months: Client Leaves Early
A multi-month coaching or consulting engagement is not a single product handed over at once. You deliver it session by session, milestone by milestone. So when a client cancels mid-program, the…
Merchant of Record, PayFac or Processor: Which Lets You Add BNPL?
People mix up merchant of record, payment facilitator and payment processor because the terms sound like gateway features you shop for. In reality, each one asks a business-model question about…
Presenting Financing on a Live Sales Call Without Overpromising
Presenting payment options during a phone close is simpler than most reps think. You are not the one who reviews anyone — you point to a path and let the customer walk it. This guide shows how to…
Choosing BNPL for a High-Ticket Service Business
A "best overall" BNPL list answers a question you never asked: it ranks providers for an imagined average buyer who is not your business. A coach selling a large program and a clinic selling a…
How to Structure a Payment Plan for a High-Ticket Program
Structuring a payment plan for a high-ticket program means settling a handful of decisions before any buyer sees an offer. Price, deposit, installment count, schedule, and your rule for a missed…
Financing a Multi-Cycle IVF Package: What a Provider Underwrites
A multi-cycle IVF package bundles several treatment tries into one price. Financing that package adds a second, separate layer: a credit plan a patient applies for at checkout. To the patient, these…
Financing a Recurring GLP-1 Program: What a Provider Funds
A recurring GLP-1 program renews over time, but most financing products expect one bounded buy. That gap is the whole subject of this guide. Below, you will see what a provider is asked to fund, why…
BNPL Rules in 2026: What Changes for a Merchant
This is not legal advice. It is a plain-language summary to help you ask the right questions, then take them to your own counsel before you act. Buy now, pay later keeps growing, and the rules around…
What BNPL Costs a Merchant, and Where the Numbers Come From
On a financed sale, cost can sit on three different sides at once. The merchant usually pays the provider a cut to offer financing. The customer may pay the provider directly under some plans. And…
Offer Terms and Records Before a Financed Sale Goes Wrong
A financed sale adds a third party to a deal that used to have two. Because a lender now funds the buy, your terms and records must speak to that lender's rules, not just your customer's hopes. This…
Do You Need a License to Offer Payment Plans?
This is not legal advice. Rules vary by state, and only a lawyer licensed where you operate can tell you what applies to your business. Consult counsel in your state before you set up any payment…
What Financing Providers Ask a Clinic Before Yes
Clinic financing requirements begin with the provider, not with you. Before a financing provider says yes, it reviews your business entity, the checkout and merchant account you run, your treatment…
How to Offer Financing to Customers: In-House or Third Party
Offering customer financing turns a large one-time cost into payments over time, which can help a buyer say yes on a high-ticket purchase. But before you switch anything on, one structural question…
SplitIt Merchant Onboarding: What Published Rules Say
SplitIt merchant onboarding follows the rules SplitIt publishes in its own merchant documents. This guide points you to the exact pages to read and treats SplitIt's own documentation as the…
When a High-Ticket Payment Plan Fails: Recovery and Records
A failed installment feels like a fire. In truth, it is a process you can plan for well before it happens. This guide walks through what happens at the moment of failure, which failures are worth…
Kajabi Buy Now, Pay Later: What a Course Checkout Can Present
Many coaches search kajabi buy now pay later hoping for a simple yes or no. The honest answer is more useful. What appears at your checkout, whether a provider button shows up, and how a plan is…
Do BNPL Providers Accept Digital Products at Checkout?
Selling a course or a mentorship seat feels different from shipping a box. There is no tracking number, no delivery date, and often no gap between payment and access. That difference matters once a…
Customer Declined for Financing at Checkout: Next Steps
A decline mid-sale feels abrupt. The buyer is ready, the cart is full, and then the screen changes. This guide explains what happened, what you can and cannot see as the merchant, and what a clean…
Can a Client Finance a Monthly Retainer? What Gets Funded
Agency owners often ask whether a client can put a monthly retainer on a financing plan. The honest answer starts with a distinction: to a financing provider, a recurring retainer and a one-time…
Can a GoHighLevel Checkout Offer Buy Now, Pay Later?
If you run an agency on GoHighLevel, you have probably wondered whether its checkout can present buy now, pay later at the point of sale. It is a fair question, and it deserves an honest answer…
How Affirm Reaches Your Checkout: Five Integration Paths
A direct integration, a provider console, a platform plugin, a digital wallet, or a virtual card the customer brings. Five routes to one brand, with different answers to who signs and who settles.
Coaching Payment Plans Without Becoming the Lender
Build a coaching payment conversation around the offer you deliver, with a clear distinction between customer financing, card installments, and your own operations.
Affirm vs Klarna vs Afterpay vs SplitIt for Merchants
Choose a financing conversation around your offer, customer journey, and operating requirements with a merchant comparison of Affirm, Klarna, Afterpay, and SplitIt.
PayFull helps high-ticket businesses offer buy now, pay later and other financing in their own checkout, under their own merchant accounts and provider agreements. PayFull is not a lender, merchant of record, or payment processor, and does not hold client funds.
Financing disclosures
- All financing is subject to credit approval. Ranges shown are typical; every provider sets limits per customer and per merchant, and approved amounts, terms, and rates vary by applicant.
- Availability of any given provider depends on your industry, ticket size, and underwriting outcome. Not every provider is available to every merchant.
- PayFull is not a lender or a bank. Loans and financing are originated by the lending partners named above.
- Originating lenders: Affirm: Affirm's lending partners; Cross River Bank, Sutton Bank, or Celtic Bank; Klarna: WebBank, Member FDIC; Afterpay: First Electronic Bank; Sezzle: Sezzle and third-party lenders including WebBank.
- SplitIt is not a loan and not a BNPL product in the lending sense. It places an authorization hold against the available credit on the customer's existing credit card and charges installments to that card over time. That's why there's no application, no credit check, and no interest — but it also means the customer needs enough available credit to cover the entire purchase at checkout, the merchant is funded per installment rather than upfront, and chargebacks work like any normal card transaction. Debit cards and prepaid cards are not supported. Visa and Mastercard are accepted; Amex, Discover, and UnionPay depend on the merchant.
- Afterpay's Pay in 4 charges no interest but does assess late fees.
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