💰 BNPL Merchant Fee Estimator (Afterpay/Klarna/Affirm)
Estimate buy-now-pay-later merchant fees and compare net payout across Afterpay, Klarna, and Affirm.
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📘 Complete Guide: BNPL Merchant Fee Estimator (Afterpay/Klarna/Affirm)
Use this free calculator to instantly estimate your numbers. All calculations happen in your browser — no data is stored.
What do BNPL services charge merchants?
Afterpay: ~6% merchant fee. Klarna: 3.29-5.99% plus $0.30. Affirm: 5.99-9.99% depending on loan term. Despite high fees, BNPL increases average order values by 20-30% and conversion rates by 15-25%.
Is BNPL worth it for my online store?
Calculate: if AOV increases 25% with BNPL and you have 60% gross margin, the revenue uplift easily covers the 5-6% BNPL fee. Test with a 30-day trial and compare conversion rates before and after.
Which products benefit most from BNPL?
High-ticket items ($100-$2,000) see the greatest BNPL lift. Electronics, furniture, jewelry, fitness equipment, and fashion brands all report significant AOV and conversion improvements with BNPL.