What it does for the business
Bigger orders, and more of them.
The total stops ending the sale
A big number becomes a few smaller ones. The customer who wanted the sofa, the e-bike or the ring, and left at the total, has a way to say yes.
You are paid in full, at checkout
The money is yours when they buy. You are not lending, you are not chasing, and a missed installment is not your problem.
“Do you do installments?” gets a yes
It sits in your checkout next to card, so the customer who was going to ask sees it before they have to ask. The one who wants it has no reason to go to the competitor who offers it.
What actually happens
Approved in your checkout, paid at the sale.
The customer picks installments at the total. The lender says yes or no right there, and you are paid. From then on, collecting is the lender's job, not yours.
One order. The whole amount to you at checkout; the installments run between the lender and the customer.
01
Offered at the total
Installments appear next to card and bank debit, at the moment the price is the question.
02
The lender answers on the spot
The customer gets a yes or no inside your checkout. They are not sent away to apply, so they do not drift off.
03
You are paid in full
The whole amount, at checkout. You are not the one lending.
04
The installments are theirs
The customer repays the lender on the schedule they agreed. A late payment is between the two of them, and it does not come back to you.
Before you decide
Make sure the total is where you lose the sale.
A good fit if
- You sell higher-ticket goods online and watch carts leave at the total
- Customers ask whether you do installments, and today the answer is no
- You want the bigger order without becoming the one who lends the money
Probably not if
- Your typical order is small enough that customers do not ask to spread it
- You sell to other businesses, who buy on terms or a company card
- Your carts leave at shipping or at the form, not at the total. That is a checkout fix, not an installment one
The customer who flinched at the total buys anyway.
A bigger order, more of them, and the repayment is the lender's to collect.
Alongside the rest
Where the price is the last objection.
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