Payment methods · BNPL
Let customers split it. You get paid in full.
Offer Klarna, Afterpay, and Affirm through your existing HL Hunt integration. Customers pay in installments; you are paid in full up front with no credit risk.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- 3
- Leading BNPL providers
- Paid in full
- To you, up front
- 0
- Credit risk
- Higher
- AOV and conversion
What you get with Buy Now, Pay Later on HL Hunt
One integration
Enable providers from the dashboard. No separate contracts or SDKs.
Paid up front
You receive the full amount at settlement. The provider carries the credit risk.
On-site messaging
Show installment pricing on product pages to lift conversion.
Refunds handled
Refunds flow through HL Hunt and update the customer's installment plan automatically.
Unified reporting
BNPL settlements on the same ledger as cards and bank.
Global coverage
Region-appropriate providers shown automatically.
Turn on Buy Now, Pay Later in minutes.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Enable
Turn on Klarna, Afterpay, or Affirm from your dashboard.
- 02
Present at checkout
Hosted checkout and components show BNPL options when eligible.
- 03
Settle and reconcile
You are paid in full at settlement. Refunds and disputes route through HL Hunt.
BNPL as a conversion tool
For purchases above roughly $100, installment options measurably raise conversion and average order value, especially for younger customers. The complexity has been integrating multiple providers with different APIs and settlement flows. HL Hunt normalizes them into one method type with one settlement and one report.
What changes
HL Hunt vs a typical processor for Buy Now, Pay Later
| HL Hunt | Typical processor | |
|---|---|---|
| Buy Now, Pay Later setup | Enabled from your dashboard in one click | Separate contract, separate integration |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. Buy Now, Pay Later is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
Buy Now, Pay Later is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up Buy Now, Pay Later today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
Buy Now, Pay Later FAQ
What does BNPL cost?
Provider rates are published on /pricing. They are higher than card rates and typically offset by higher conversion and order value.
Who handles customer collections?
The BNPL provider. You are paid in full and carry no credit risk.
Which providers are available in my region?
Klarna, Afterpay/Clearpay, and Affirm, shown based on customer location and eligibility.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.