How to Set Up Buy Now, Pay Later Options

Overview

With Simpro Payments, you can offer your customers the option to pay using Buy Now, Pay Later services, such as Afterpay and Klarna.

New to Stripe? You can sign up for an account while completing the Simpro and Stripe integration process. Learn more in How to Set Up Buy Now, Pay Later Options.

Please note that any Stripe accounts registered or integrated with Simpro prior to the 8th of September 2024 are now legacy accounts. Integrations with legacy Stripe accounts do not include any of the features or improvements released for Simpro Payments, after the 8th of September. This includes Simpro payments on Simpro Mobile. To get access to the latest features, disconnect your existing Stripe account from Simpro Premium and reconnect to create a new Stripe account.

In order to view content or perform actions referred to in this article you need to have the appropriate permissions enabled in your security group. Go to System A screenshot of a schedule icon with a grey calendar icon and an arrow. > Setup > Security Groups and access your security group to update your permissions. The relevant security group tab and specific permissions for this article can be found here:

Payment Methods

Defaults

Afterpay is a global payment method that allows your customers to split purchases into 4 interest-free installments, or longer term interest-bearing monthly installments (US only).

Customers paying with Afterpay are redirected to Afterpay to authorise the payment by agreeing to the terms of a payment plan, then sent back to Simpro Premium to complete the order. Afterpay offers payment options based on factors, such as customer credit, account history, and order amount. After payment acceptance, the full amount of the order (minus fees) is made available to your Stripe account upfront. Afterpay then manages collecting the purchase amount directly from the customer, over time.

To enable Afterpay:

  1. Go to Invoices > Simpro Payments > Configuration.
  2. Click and enable Afterpay.
  3. Select a payment method.
  4. Click Save.

Payment options vary by the order amount and country.

Payment options and limits:

AU, UK (Clearpay) and NZ:

  • Pay in 4 - Customers can pay for purchase in 4 or fewer (interest-free), fortnightly payments over 6 weeks.

    • Australia (AUD): $2,000
    • Canada (CAD): $2,000
    • New Zealand (NZD): $2,000
    • United Kingdom (GBP): £1,200

US:

  • Pay in 4 - Customers can pay for purchase in 4 or fewer (interest-free), bi-weekly payments over 6 weeks.

Or

  • Monthly installment plans over 6-12 months.
    • US limit (USD) - $4000

US customers are presented with both Pay in 4 and monthly installments depending on the order amount:

Range (USD) Pay in 4 Monthly Installments
$1 - $399.99 Yes No
$400 - $2000 Yes Interest-bearing 6 or 12 month loans
$2000.01 - $4000 No Interest-bearing 6 or 12 month loans

Klarna is a global payment method that gives customers a range of payment options during checkout. These payment options enable customers to pay for purchases over time.

To pay with Klarna, customers are redirected to Klarna, where they select their preferred payment option, and then return to Simpro Premium to complete the order. Klarna presents payment options based on the customer’s currency and transaction amount. After payment acceptance, the full amount of the order (minus fees) is made available to your Stripe account up front, and Klarna collects the purchase amount from your customer, including any future installment payments, if applicable.

To enable Klarna:

  1. Go to Invoices > Simpro Payments > Configuration.
  2. Click and enable Klarna.
  3. Select a payment method.
  4. Click Save.

Refunds are handled in your Stripe dashboard. You can refund Afterpay charges up to 120 days after the original payment. You can refund Klarna charges up to 180 days after the payment completes.

Refunds typically take 5 - 7 business days to complete, but may take longer depending on the customer’s financial institution and the type of purchase.

Refer to Afterpay Returns / Refunds and Klarna Refunds for more information.