Buy Now, Pay Later (BNPL) FAQ
Answers to common questions about paying with Affirm and Klarna in Walla.
For businesses
What does BNPL cost?
Answer: 5.99% + $0.30 per transaction, for both Affirm and Klarna. The fee isn't returned if the purchase is refunded.
Can I pass the fee to clients with Dual Pricing?
Answer: No. Dual Pricing applies to credit cards, and BNPL isn't a card transaction.
Can I turn on just one provider?
Answer: No. One setting enables both, and clients choose the one they already use.
Can I sell memberships with BNPL?
Answer: No. Only one-time purchases with a fixed total qualify. Anything that auto-renews, even once at the end of its term, is excluded.
Can a client use BNPL for a $2,000 teacher training?
Answer: Yes, if the enrollment is paid in full rather than on a Walla payment plan.
Can a client pay part with a gift card or account balance?
Answer: No. BNPL must cover the full purchase.
Can my front desk help a client with the application?
Answer: No. Clients must apply on their own phone. Staff can't fill anything out or choose a plan, and doing so can end your BNPL access.
A client was declined. Can I find out why?
Answer: No. Providers don't share decline reasons. Offer another payment method; the sale is preserved.
How do refunds work?
Answer: Refunds go back to the provider, overriding your default refund method. They never become account balance or store credit, even if your policy is account balance only.
What happens in a dispute?
Answer: Disputes are handled in Stripe. Accept it or submit evidence; the provider decides, and any dispute fee is passed to your business.
Can I advertise that I offer BNPL?
Answer: Yes, but follow each provider's marketing guidelines. Don't name Affirm or Klarna in a text message without their written approval.
For clients
Why don't I see BNPL at checkout?
Answer: The studio may not offer it, your total may be outside the provider's limits, or the item isn't eligible. Memberships and anything that auto-renews can't be financed.
Why do I only see one provider?
Answer: Each provider has its own minimum. Affirm requires at least $50; Klarna has no minimum.
Will I pay interest?
Answer: It depends on the plan you choose. The provider shows your terms and schedule before you confirm.
Can I use BNPL at the front desk?
Answer: Yes. Scan the QR code on the card reader and complete the application on your own phone.
Is my spot held while I apply?
Answer: No. Your booking is confirmed once payment goes through.
Where does my refund go?
Answer: Back to the provider, never to studio credit. Where it lands from there depends on your provider account settings.
I got store credit from the studio. Do I still owe the provider?
Answer: Yes. Store credit doesn't cancel what you owe.
Who do I contact about my payment schedule?
Answer: The provider: Affirm help · Klarna help. The studio and Walla can't see or change it.