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70% Off for 4 Months Buy now & save
Grow your business with
Buy Now, Pay Later
Let your clients pay for your work over time, while you get paid upfront. It's a win-win: flexible for them, and risk-free for you.
Get Started for Free
Secure more high-value projects
Struggling with cash flow or clients who hesitate over budgets? Buy Now, Pay Later solves both problems. It lets clients pay over time, so you can close more deals, upsell premium services, and maintain a steady cash flow—giving you a serious competitive edge.
Sell more with Buy Now, Pay Later
Turn more quotes into invoices
With flexible payment options, clients are more likely to commit to projects, so you can get started faster with fewer hurdles.
Confidently offer premium services
Flexible payment options don't just help close deals—they increase deal size by enabling clients to accept premium services and full-scope projects without the upfront costs.
Keep your cash flowing
With Buy Now, Pay Later, you get paid in full upfront while your clients pay in installments.
Add Buy Now, Pay Later to your invoices
STEP 1
Send your FreshBooks invoice
Simply select Buy Now, Pay Later as a payment option on your invoice. Note: This feature is exclusively available with FreshBooks Payments.
STEP 2
Your client chooses to pay over time
Once your client chooses to pay with Buy Now, Pay Later, they’ll go through a quick and transparent approval process.
STEP 3
Enjoy seamless transactions
With Buy Now, Pay Later, you always get paid upfront (minus any applicable transaction fees), and our providers handle the rest.
Promote BNPL to your clients
Buy Now, Pay Later (BNPL) can make your services more accessible and help close deals faster. By offering clients the flexibility to spread out payments, you can remove cost barriers and win projects that might otherwise stall.
Share this with your clients
We’ve created a shareable web page that explains how Buy Now, Pay Later works, answers common questions, and even lets clients get pre-approved with our providers. Send it before proposals or include it in your welcome materials.
Tips to use BNPL to your advantage
Mention it early
Bring up BNPL before pricing becomes a sticking point.
Position it as an upgrade path
Show how BNPL can make higher-end packages, add-ons, or extra features more attainable. For eligible clients, depending on approval and terms.
Make it part of your pitch
Include a simple line like, “We offer flexible payment options if budget is a concern.”
We want to help you succeed. That’s why FreshBooks resources make it easy to let clients know you now offer Buy Now, Pay Later.
Simple, transparent pricing with FreshBooks Payments and Affirm
6% + $0.30 per transaction
Affirm handles all repayments, so you carry no risk for BNPL transactions.
Customers get clear, fair terms with no fees or credit checks, and transparent interest.
Businesses see a 70% lift in average order value when offering Buy Now Pay Later with Affirm.*
More than 50 million consumers are looking to use Affirm to make purchases.**
* AOV lift (+70%) based on purchases made from July 1, 2023–June 30, 2024: Source
** Addressable users (more than 50 million) and active merchants (more than 323,000) as of Sept. 30, 2024: Source
Get paid upfront and give clients options with FreshBooks Payments and Afterpay
6% + $0.30 per transaction
Pay in 4 is always interest-free: Clients split the total into 4 payments generally over 6 weeks, with their full payment schedule shown at checkout.
No fees when paid on time: If an installment isn’t paid within 10 days after the due date, a late fee may apply (max one late fee per installment, and total late fees on an order are capped at 25% of the initial order value, unless otherwise noted).
Pay Monthly for longer terms (subject to eligibility): Monthly plans may include interest. Interest is capped, and there are no late fees, loan origination fees, or other fees for these interest-bearing installment loans.
You get paid upfront: You receive the full amount upfront (minus the transaction fee), while Afterpay manages the installment schedule with your client.
Merchants see average order value (AOV) increasing up to 40% when offering Afterpay. Afterpay has 19M active global customers and ~1M daily referrals to merchants from its Shop Directory.
Frequently Asked Questions
(BNPL)
Frequently Asked Questions
(Affirm)
Frequently Asked Questions
(Afterpay)
Ready to get paid faster and win bigger deals?
Offer flexible payments to your clients, and get paid in full immediately. It’s the easiest way to increase sales and improve cash flow—without taking on any risk.
Get Started for FreeAffirm disclaimers:
Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. For Affirm Terms of Service, please visit https://stripe.com/legal/affirm
Canada residents: "Payment options through Affirm Canada Holdings Ltd. (“Affirm”) are subject to an eligibility check, and depend on purchase amount, payment terms, vary by merchant, and may not be available in all provinces/territories. Minimum purchase and down payment may be required.
Afterpay disclaimers:
Late fees may apply. Eligibility criteria apply. See www.afterpay.com for more details. Loans to California residents made or arranged pursuant to a California Finance Lenders Law license. ©
You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Loans through the Afterpay Pay Monthly program are underwritten and issued by the First Electronic Bank. A down payment may be required. APRs range from 0.00% to 35.99%, depending on eligibility and merchant. As an example, a 12 month $1,000 loan with 21% APR would have 11 monthly payments of $93.11 and 1 payment of $93.19 for a total payment of $1,117.40. Loans are subject to credit check and approval and are not available in all states.Valid debit card and acceptance of final terms required to apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. See here for complete terms.
2025 Afterpay US
