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
6–36 month terms (6, 12, 18, 24, 36 mo), 29.99–35.99% 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 — broader approvals. 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

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 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
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) Total — best case Total — worst case

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 — shown at estimated APR.

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