Financing options
Commas seller guide

Buy now, pay later

Eight BNPL providers, one integration. Find the right fit for your customers and your business.

Before you start
  • BNPL requires your account to be processing payments through Commas
  • BNPL currently applies only to one-time purchase products (not subscriptions)

Need help with financing?

Find which options your customer qualifies for.

Higher-ticket financing
Extended Financing
6 to 36 month terms (6, 12, 18, 24, 36 mo), 0 to 35.99% APR. Approvals from 450+ credit score.
$200 – $30,000
Min Credit
450+
Customers
US only
Sellers
International
Credit Check
Soft pull (450+)
Payout
1–2 business days
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Commas-native BNPL
Commas Exclusive
Installment Plans
Custom plans built for the Commas ecosystem. Flexible terms vary by plan.
$500 – $19,800
Min Credit
600+
Customers
US only
Sellers
US (int'l after 6+ mo)
Credit Check
Soft pull
Payout
Within 4 business days
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Installment financing
Installment Plans
Fixed monthly payments over 3 to 24 months. Turn it on from your Commas dashboard. There's no separate provider application.
$500 – $10,000
Min Credit
620+
Customers
US only
Sellers
US only
Credit Check
Soft pull
Payout
Instant
Installments & Credit
Pay in 4
4 interest-free bi-weekly payments. 0% interest. No late fees.
$30 – $1,500
Pay Monthly
Extended monthly payments. 9.99%–35.99% APR.
$199 – $10,000
PayPal Credit
Reusable credit line. 6 months 0% interest if balance is paid in full. No limit.
Revolving
Min Credit
680+
Customers
US
Sellers
Global
Credit Check
Soft pull (hard pull if proceeding with Credit)
Payout
Instant
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B2B financing
Business Only Instant Approval
Instant Approval
Up to $22,800. 0% interest for first 30 days, then variable.
Up to $22,800
Underwritten
Full underwriting for larger business purchases.
Up to $465,000
Min Credit
600+
Customers
US only
Sellers
US only
Credit Check
Soft pull · $40K+ revenue req.
Payout
1–2 business days
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Education financing
Education Only Commas Exclusive Rates
Education Financing
Up to 60-month terms. 0% interest options for qualified customers, exclusive to Commas. $1M+ annual volume preferred for seller qualification.
$500 – $42,750
Min Credit
620+
Customers
US only
Sellers
US only
Credit Check
Soft pull (hard pull upon approval)
Payout
2 weeks (tiered payouts)
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Pay-in-4
Pay in 4
Four bi-weekly payments. Designed for subprime credit accessibility, so approvals are broader. Late fees may apply.
$30 – $2,750
Min Credit
520+
Customers
US only
Sellers
US only
Credit Check
Soft pull
Payout
Instant
Split payments
Split Payments
2–4 payments over 2–6 weeks. Customers can reschedule (fees may apply).
$50 – $2,060
Min Credit
620+
Customers
US & Canada
Sellers
US & Canada
Credit Check
Soft pull
Payout
Instant
Approvals without a credit file
~90% Approval No Credit Minimum
Installment Plans
Fixed monthly payments over 6, 12 or 18 months. Customers check out with a debit card and the first payment is due upfront.
Up to $20,000
Min Credit
None
Customers
US only
Sellers
International
Credit Check
Soft pull
Payout
Instant
100% approvals
No credit check Same-As-Cash Option
Standard
Fixed monthly payments over 24 months. No credit bureau pull, so approval doesn't depend on the customer's credit file.
$1,000 – $17,000
Same-As-Cash
A 12-month option is available alongside the standard term.
12 months
Min Credit
None
Customers
US (varies by state)
Sellers
US only
Credit Check
None
Payout
Weekly (ACH)

Compare all providers

Side-by-side breakdown of every financing option on Commas.

Provider Terms Amount Range Min Credit APR / Fees Credit Check Recourse Countries Payout
ClarityPay
Higher-ticket financing
 6, 12, 18, 24, 36 months $200 – $30,000 450+ 0–35.99% APR
Standard program		 Soft pull 1-month recourse US 1–2 days
Payva
Commas-native BNPL
Exclusive
3, 6, 12 months $500 – $19,800 600+ 15% (3mo) · 20% (6mo)
30% (12mo)		 Soft pull 25% recourse US 4 business days
Klarna
Installment financing
 3, 6, 12, 24 months $500 – $10,000 620+ 0–35.99% APR Soft pull No recourse US Instant
PayPal
Installments & Credit
 Pay in 4 · 6–24 mo
Revolving credit		 $30 – No limit 680+ 0% (Pay in 4)
9.99–35.99% monthly		 Soft pull No recourse US Instant
Credit Key
B2B financing
B2B Only Instant Approval
Up to 12 months $500 – $465,000 600+ 1–5% / mo
0% first 30 days		 Soft pull No recourse US 1–2 days
Climb
Education financing
Education Exclusive Rates
12, 24, 36, 48, 60 months $500 – $42,750 620+ 0–35.99% APR
0% via Commas		 Soft, then hard pull No recourse US 2 weeks
Zip
Pay-in-4
 4 bi-weekly payments $30 – $2,750 520+ 0–35.99%
Late fees may apply		 Soft pull No recourse US Instant
Sezzle
Split payments
 2–4 payments · 2–6 weeks $50 – $2,060 620+ 0–35.99%
Rescheduling fees		 Soft pull No recourse US · CA Instant
Sunbit
Approvals without a credit file
~90% Approval
6, 12, 18 months Up to $20,000 None 0–35.99% APR Soft pull No recourse US Instant
Special Financing Company
100% approvals
No credit check
24 months
12 mo same-as-cash option		 $1,000 – $17,000 None State-capped
Maximum permitted by state		 None 3-month recourse US Weekly (ACH)
Commas Financing

Payment calculator

Select a provider to see a full breakdown of monthly payments across all available terms.

$30 $30,000
Term Monthly payment Down payment Best case (lowest APR) Worst case (highest APR) Best-case total Worst-case total

Monthly payments use standard amortization at each provider's average APR. Actual rates vary by applicant.
Split-pay providers show per-installment amounts. Payva and Credit Key rates vary, so figures are shown at estimated APR.

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