Alternative Payment Methods

Next Commerce supports a range of alternative payment methods (APMs) beyond traditional bankcards, including Buy Now Pay Later (BNPL), bank transfers, and digital wallets. These methods are available on both the storefront checkout and for custom checkouts via the Admin API.

Buy Now, Pay Later

BNPL methods let customers split purchases into installments at checkout, increasing conversion rates and average order values.

Affirm

Affirm enables customers to pay over time with transparent, simple financing — no hidden fees or compounding interest. Affirm is available to merchants processing via NEXT Payments.

• Available in the United States and Canada
• Supports one-time purchases only — does not support recurring subscriptions or post-checkout upsells
• Customers choose from pay-in-4 (bi-weekly), monthly installments (3-36 months), or pay-in-full
• Merchant receives full payment upfront — Affirm handles collections and risk
• Minimum and maximum order amounts apply — consult Affirm's merchant documentation for current limits

To enable Affirm, first log in to your NEXT Payments account and apply to add Affirm as a payment method. Once approved, navigate to Settings > Payments in your store, select your NEXT Payments gateway, and enable Affirm from the Alternative Payment Methods card.

Klarna

Klarna offers flexible payment options including Pay in 4, financing, and Pay Now (direct bank payment). Klarna is available to merchants processing via NEXT Payments or Stripe.

• Available in 19+ markets across North America, Europe, and Oceania
• Supports Pay in 4 (interest-free installments), financing (6-36 months), and Pay Now
• Supports recurring subscriptions — Klarna tokenizes the payment method for future charges
• Supports post-checkout upsells — additional items can be charged to the same Klarna session
• Merchant receives full payment upfront — Klarna handles collections and risk

To enable Klarna via NEXT Payments, first log in to your NEXT Payments account and apply to add Klarna as a payment method. Once approved, navigate to Settings > Payments in your store, select your gateway, and enable Klarna from the Alternative Payment Methods card.

Digital Wallets

Stripe Link

Stripe Link saves and autofills customer payment and shipping details across Stripe-powered checkouts, reducing friction and accelerating checkout.

• Available to merchants using Stripe as their gateway
• Customers save payment details once, then check out with one click on any Link-enabled site
• Supports card payments saved to the customer's Link account
• Available in all Stripe-supported markets

To enable Link, navigate to Settings > Payments, select your Stripe gateway, and enable Link from the Alternative Payment Methods card.

For Apple Pay and Google Pay, see their dedicated setup guides.

European Bank Payments

The following bank payment methods are available for merchants using Stripe as their gateway. These are especially useful for merchants selling in European markets.

To enable any of these methods, navigate to Settings > Payments, select your Stripe gateway, and enable the method from the Alternative Payment Methods card.

Custom Checkout (Admin API)

All alternative payment methods listed above are available on the Admin API for custom campaign checkouts, not just the storefront.

For implementation details, start with the External Checkout Flow, then use the payment-method guides:

• Affirm
• Klarna
• Link
• iDEAL
• Bancontact
• SEPA Direct Debit