By Now, Pay Later (BNPL) Promotion Messaging

Overview

StellarPay should consider implementing configurable Buy Now, Pay Later (BNPL) promotional messaging to inform customers about available installment payment options throughout the shopping experience. This would enhance our existing Stripe integration by leveraging Stripe's BNPL capabilities and would align StellarPay with competitor offerings like Affirm's WordPress plugin, which automatically adds installment messaging to product pages.

Business Value

• Increased Conversion Rates: BNPL messaging typically increases conversion rates by 20-30% when customers know installment options are available

• Higher Average Order Values: Customers tend to spend 30-40% more when they can split payments

• Enhanced User Experience: Setting clear payment expectations early in the shopping journey reduces cart abandonment

• Competitive Parity: Matches functionality offered by dedicated BNPL provider plugins (Affirm, Klarna, etc.)

• Merchant Branding Control: Gives merchants control over how BNPL options are presented within their brand experience

Technical Implementation

Core Requirements

1. Detect BNPL Availability: Automatically detect when Stripe BNPL methods (Afterpay/Clearpay, Klarna) are configured in the payment gateway

2. Configurable Display Locations:

   • Product single page (below price)

   • Product archive/category pages

   • Cart totals

   • Checkout summary

   • Mini-cart dropdown

3. Customization Options:

   • Toggle on/off for each display location

   • Customizable messaging template with dynamic pricing calculation

   • Option to display provider logos (Afterpay, Klarna)

Technical Considerations

• Implement price threshold detection to only show BNPL messaging when order value is within BNPL provider limits

• Create intelligent calculations to determine installment amounts based on product/cart price

• Ensure messaging is updated via AJAX when product variations or quantities change

• Build a lightweight JS module to prevent performance impact on page load

• Implement proper schema markup for SEO benefits

Admin Interface Additions

• New "BNPL Promotion" tab in StellarPay settings

• Clean toggle controls for each display location

• Visual preview of messaging appearance

• Message template editor with variables like {provider_name}, {installment_count}, {installment_amount}

• Custom CSS input field for advanced styling

User Interface Example

For a $100 product, the messaging might appear as:

Pay in 4 interest-free installments of $25 with Afterpay

With optional customization to:

Split into 4 payments of $25 - interest-free

Community Validation

This feature was requested on WordPress.org: https://wordpress.org/support/topic/bnpl-promotional-messaging/