Why You Can't Ignore 'BNPL' in Australia
Australian customers routinely ask, "Do you take Afterpay?" at checkout. BNPL (Buy Now, Pay Later) lets shoppers take the goods now and pay in interest-free instalments — and Australia has one of the highest BNPL adoption rates in the world. Afterpay, Zip and Klarna are the big names.
Whether you run a Korean restaurant, beauty salon, retail shop, or an education agency charging tuition, a single BNPL option can turn a hesitant browser into a paying customer.
What BNPL Does for Your Business
- Higher order value: Spreading payments makes customers comfortable spending more.
- Fewer abandoned checkouts: You keep shoppers who'd otherwise leave over an upfront cost.
- You get paid straight away: The customer pays in instalments, but you receive the full amount (less fees) at the point of sale.
- Attracts younger buyers: BNPL is second nature to Aussies in their 20s and 30s.
Check These Before You Sign Up
- Fees: Expect around 4–6% of the sale plus a fixed per-transaction fee — higher than card fees, so factor it into your margins.
- Payout schedule: Settlement timing varies by provider.
- Online vs in-store: Confirm it supports both website checkout and in-store QR payments.
- Refunds & cancellations: Understand the refund policy and process upfront.
How Do You Add It to Your Website?
Most of the time you simply switch Afterpay or Zip on as an option inside a payment gateway like Stripe or Square. If you use Shopify or WooCommerce, a dedicated plugin makes it plug-and-play. Showing a "4 interest-free payments" badge on your product pages noticeably lifts conversions.
PICKTECH sets up BNPL, card and digital wallet payments on your website so they're easy for your customers to use. Get in touch and we'll help you pick the payment mix that suits your business.