How pay-over-time works
On a card checkout roughly between $50 and $30,000, your customer sees the option to pay over time with Affirm or Klarna alongside paying the whole thing now. If they choose it, the financing company pays you — in full, immediately — and the customer makes their payments to Affirm or Klarna.
You carry no risk and front no money. There’s nothing for you to apply for or turn on; it just shows up as a payment choice at checkout on the qualifying jobs. The terms are between the customer and the financing company.
What you can use it for
Close the bigger jobs
The full repipe, the roof, the whole-house floor — the ones people put off over cost. Pay-over-time turns a "not right now" into a booked job.
Take the price off the table
When the sticker isn’t the whole conversation, you compete on your work instead of losing to whoever quoted lowest.
Get paid in full anyway
You’re not the bank and you’re not waiting. The financing company pays you the full amount right away; the customer’s payment plan is their business.
Offer it with zero setup
There’s nothing to enable, no account to open. It appears at checkout on qualifying card jobs automatically.
How a customer finances a job
- 1
Send the estimate or invoice
Send a card-payable estimate or invoice on a qualifying job (roughly $50 to $30,000).
- 2
They reach checkout
When the customer goes to pay by card, pay-over-time with Affirm or Klarna shows up as a choice.
- 3
They pick a plan
The customer applies with the financing company and picks their terms — that part is entirely between them and Affirm or Klarna.
- 4
You’re paid in full
The financing company pays you the full amount right away. You do the job and get your money; they collect the installments.
Why it closes jobs
Price is the wall most big jobs die at. Not because the customer doesn’t want the work — because a few thousand dollars all at once is hard. Letting them spread it, without you taking on any risk, knocks that wall down.
It’s built in and free to offer. To keep it honest: you don’t front the money and you carry no financing risk — say "pay over time at checkout," and leave the rates and terms to Affirm and Klarna, since those are theirs, not ours.
Customer financing — common questions
Do I front the money or carry any risk?
No. The financing company pays you in full right away and the customer repays them. You take on no financing risk and never wait on installments.
What does it cost me?
The job is paid to you as a normal card payment. The financing arrangement is between the customer and Affirm or Klarna — their terms, not yours.
What size jobs qualify?
Pay-over-time shows up on card checkouts roughly between $50 and $30,000. It’s built for the bigger jobs where spreading the cost matters.
Do I have to set anything up?
No. There’s nothing to enable. On qualifying card jobs, the Affirm and Klarna option simply appears at checkout.