Acquiring
Klarna
Buy-now-pay-later provider offering Pay in 3/4, Pay in 30, and financing; scheme fee-free but with 3-6% merchant discount and refund liability rules.
Related terms
Buy Now, Pay Later
Short-term instalment credit offered at checkout by providers like Klarna, Clearpay, and Affirm; regulated as consumer credit in the UK from 2026.
Afterpay / Clearpay
BNPL provider (Clearpay in UK) offering interest-free Pay in 4 instalments; merchant fees typically 4-6% with instant settlement.
Alternative Payment Method
Any non-card payment method, wallets, bank transfers, BNPL, vouchers, accepted at checkout.
Related guides.
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