Buy Now, Pay Later

Overview

Google Pay users can pay with Buy Now, Pay Later (BNPL) options from popular providers in the market when they checkout with Google Pay. This feature is available for USD transactions for merchants on desktop web and mobile web (Chrome on Android).

Following table shows the list of BNPL providers:

BNPL provider Contact info Minimum cart size (in $) Maximum cart size (in $)
Affirm Reach out to the account manager or email to: google-pay-help@affirm.com. $50 $30000
Zip Reach out to the account manager or email to: googleIntegration@zip.co. $35 $1200

As a Google Pay merchant, BNPL can increase checkout conversion rates and cart sizes, and you can seamlessly offer multiple BNPL options for your users with no additional integration cost. BNPL benefits users with an affordable, convenient, and flexible payment option.

How it works

When a user taps the Google Pay online checkout option on a merchant's site where BNPL is enabled, they can see an informational banner. The banner displays a list of BNPL options through the BNPL provider. The user can choose from the list of BNPL providers with more details on their product offering.

  • For new BNPL users: The user can select a BNPL provider and then go through the onboarding process to get their account set up within the Google Pay experience. They can learn more about payment plans, terms and conditions, complete a quick eligibility check, and if approved, complete the purchase.
  • For existing BNPL users: If the user already has an account with the BNPL provider, they can link their existing account to their Google Pay account, choose a payment plan, review terms and conditions, and complete their purchase.
  • For returning users: The user's account with the BNPL provider should already be logged in and can choose a payment plan, review terms and conditions, and complete the purchase.
  • The BNPL provider determines user eligibility and financing options based on a variety of factors. Google doesn't determine eligibility or financing options offered to users.

You, as a merchant, are expected to process the full payment similar to normal debit and credit card transactions, and the BNPL provider finances the purchase. Google Pay doesn't charge you any fees when you offer or accept payments through BNPL within Google Pay.

Eligibility criteria

BNPL transactions are facilitated by BNPL providers using a virtual card under the Visa network and applicable interchange rates apply. To use BNPL in your Google Pay integration, ensure the following:

  • Check your card parameters to:
    • Enable PAN_ONLY in allowedAuthMethods.
      • If you add PAN_ONLY in your integration, ensure that you go through the integration checklist to test your integration.
    • Enable VISA in allowedCardNetworks.
    • Ensure that allowCreditCards isn't set to false. By default, the credit card class is supported for the card networks specified.
  • Ensure transaction information is set correctly. Only currency code set to USD is eligible for BNPL.
  • If you use Google Pay to support recurring billing or subscriptions, you're not eligible to implement BNPL through the Google Pay API. To opt-out of this offering, contact support.

FAQ

How can users pay with BNPL within Google Pay online checkout?

When a user taps the Google Pay online checkout option on a merchant's site where BNPL is enabled, the user can see the informational banner with a list of available BNPL providers. If the user taps on this feature or selects to change their form of payment, they can see a list of BNPL providers along with more details on their product offering. If the user chooses a provider, they can learn more about the terms and conditions, and then go through a few steps to complete a quick eligibility check. After approval, the user can choose the right product option and complete the purchase. The BNPL provider determines user eligibility and financing options based on a variety of factors. Google doesn't determine eligibility or financing options offered to users.

Can users pay with BNPL through Google Pay for any basket size?

No. BNPL providers have different minimum and maximum values for cart size. The users can only pay with BNPL for purchases in that range. The minimum and maximum purchase size depends on the BNPL partners. To find more information, refer BNPL providers.

Are there any fees charged to users for their use of BNPL when they checkout on Google Pay?

The fees vary based on the BNPL providers, and you must check with each BNPL provider for their terms and conditions. Providers may charge interest for its longer term BNPL products. The fees and terms are transparent for users during the checkout process to enable them make the best choice. Google doesn't charge users to use BNPL at checkout. In case of any other questions, contact the BNPL providers.

Does Google loan users money?

No. Google isn't the provider, rather, Google shows BNPL providers at the checkout point.

Are there any fees charged to merchants when they offer or accept payments from BNPL within Google Pay?

Google doesn't charge you any fees when you offer or accept payments through BNPL options within Google Pay. You're responsible for interchange or similar processing fees.

Merchants must reach out to the BNPL provider in case of any questions around pricing.

How can a merchant recognize the BNPL transaction within the Google Pay API?

The paymentMethodData.description field in the API response gives information about the BNPL provider, for example, Affirm, Zip.

Can merchants select which BNPL (providers or terms) to offer to users?

No. Google Pay is an ecosystem enablement solution that gives users the choice to select their preferred BNPL option.

Is there a difference for merchants around costs and benefits when they offer a BNPL option as a standalone option versus offer it through Google Pay?

When you offer BNPL through Google Pay API, it creates an additional entry point for the consumer and attracts a different consumer demographic, which can lead to higher checkout traffic, average order value, and gross merchandise value. We recommend you to reach out to the BNPL providers to understand more about the options and benefits to provide dual entry points.

Which merchants will be able to access the BNPL feature for their users?

Merchants in verticals where BNPL is most relevant (for example, travel and retail) will be opted-in to the feature by default. Some merchants might be in a vertical that isn't available for BNPL use.If you have questions about BNPL feature availability, contact support.

Support

If you have any questions or concerns, contact support.