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Buy now pay later

Buy Now, Pay Later

Attract more customers. Grow your business.

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Drive sales and average order value

Empower your customers with more payment choices by including Buy Now, Pay Later (BNPL), powered by Carat.

Increase sales velocity and drive spend with the fastest growing alternative payment option in North America.​

​

+18% Growth

  in average order value 1

83%

of users wish Buy Now, Pay Later was accepted by more businesses 2

The top choice for clients

  • Amplify revenue with flexible payment methods
  • Deliver enhanced customer experiences
  • Eliminate barriers, gain more customers
Download the Action Plan
BNPL graphic
Single platform man in chair

Single platform. Streamline customer enrollment.

Unlock payment simplicity and flexibility: Integrate multiple BNPL options through a single, unified platform.

 

✓   Minimal tech lift

✓   Unified reporting

✓   Easy to use

✓   Proven sales growth

Ideas and inspiration

article

Article

Best practices for implementing a Buy Now, Pay Later (BNPL) solution

article

Article

Driving commerce beyond the buy button

article

Press Release

Fiserv to simplify how businesses enable Buy Now, Pay Later

Tell us your vision and we'll bring the solution

We will work with you to understand your business needs and show you how to best leverage our solutions to make your vision a reality.

Contact us

Sources: 1. Zip statistic based on multiple merchant case studies; individual results may vary.  2. The Strawhecker Group, April 2021

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  • Alternative Credit Data
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© 2025 Fiserv, Inc. Fiserv is a registered trademark of Fiserv, Inc. All trademarks referenced here are the property of the respective owners. Merchant services provided by First Data Merchant Services LLC, doing business as Carat, is a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA; Deutsche Bank AG, New York, NY; PNC Bank N.A., Pittsburgh, PA; MVB Bank, Fairmont, WV; Pathward, N.A., Sioux Falls, SD; and Citizens Bank, N.A., Providence, RI..

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