To enable Buy Now, Pay Later (BNPL) on FanBasis, your account must be processing through FanBasis.

BNPL currently applies only to one-time purchase products. It cannot be used for subscriptions or recurring billing.

1. PayPal

PayPal Pay Later (US Only)

PayPal offers two Buy Now, Pay Later options for US customers:

Pay in 4

Customers split their purchase into 4 interest-free payments made every two weeks.

Pay Monthly

For larger purchases, customers can spread payments over monthly installments.

PayPal Credit

PayPal also offers a reusable credit line that works like a credit card. Customers can apply for PayPal Credit directly through PayPal and use it at checkout on any site that accepts PayPal.

Note for Business Owners: PayPal Credit is processed the same way as any PayPal payment — there's no additional setup required on your end. The customer handles the credit application and repayment directly with PayPal. Contact your Account Manager if you have any questions.

• PayPal Checkout flow

2. PayVa

Overview

Payva is a “Buy Now, Pay Later” (BNPL) payment solution built specifically for sellers on FanBasis. It allows sellers to offer payment plans to customers while still receiving a significant portion of the offer value upfront. You can find more details in this Payva Guide.

☑ Application Required:
To enable Payva as a BNPL option, sellers must first submit an application through the FanBasis x Payva onboarding process.

Eligibility

• Customers:

  • Must be based in the United States.

  • Eligible for payment plans on offers ranging from $500 to $18,000.

Sellers:

• If international, must be processing on FanBasis for more than 6 months.

• Must apply for a Payva account.

While these are the standard eligibility guidelines, exceptions may be considered on a case-by-case basis. Your account manager can walk you through eligibility and next steps.

3. ClarityPay

ClarityPay gives customers a way to finance higher-ticket purchases with monthly installment plans. When a customer checks out with ClarityPay, the vendor gets paid upfront — ClarityPay handles the financing and collections on their end.

How It Works for Sellers

ClarityPay operates on a fixed advance model. When a customer finances a purchase, the vendor receives either cash upfront with a 1-month recourse window or no recourse of the order total upfront.

Higher credit score tiers and longer terms give customers access to larger order limits, while lower tiers are capped at smaller amounts with shorter terms.

Note for Business Owners: ClarityPay is available to international vendors, but the customer applying for financing must be US-based. A strong track record in fulfillment is required to be eligible. To enable ClarityPay, contact your Account Manager.

4. Credit Key (Business Financing Option)

Credit Key is a business financing option available on FanBasis for eligible sellers. It allows qualified customers to finance larger purchases while merchants receive fast payouts.

How Credit Key Works

• Customers apply at checkout and receive a business line of credit

• Approval decisions can be instant or completed within ~24 hours for higher amounts

• Once approved, customers can use their Credit Key line to complete the purchase

• Merchants receive payouts quickly after the transaction is completed

Approval & Limits

• Instant approvals available for purchases up to $22,800

• Financing available up to $465,000 with underwriting

• Repayment terms available up to 12 months

• Receive full payout upfront

• Merchant must maintain a sub-1% dispute rate (Platform)

Customer Interest & Repayment

• 0% interest for the first 30 days

• After 30 days, customers are charged monthly interest typically ranging from ~1% to ~5%, depending on credit profile and term length

• No pre-payment penalties — customers can pay off early at any time

Borrower Eligibility Requirements

To qualify for Credit Key financing, customers must meet the following:

• Registered U.S. business (sole proprietor, LLC, or corporation)

• At least $40,000 in gross revenue over the last 12 months

• Personal FICO score of 600+ (soft credit check only)

• U.S. citizen or legal resident and must be 18 or older

• Valid SSN, EIN, and U.S. business bank account for ACH repayments

Credit checks are soft inquiries and do not impact credit score.

Restricted Industries

Credit Key does not support financing for the following categories:

• Real estate services (including Airbnb or rentals)

• Financial services (credit services, investment firms, funding offers)

• Subscription-based or recurring billing services

• Legal or tax services

• Insurance

• Trading-related businesses

5. Climb

Overview

Climb is a financing partner built specifically for education and career-transformation programs on FanBasis. It allows sellers to offer long-term financing options to students while receiving a risk-adjusted portion of the tuition amount upfront. Students can finance their full tuition through Climb, with repayment terms of up to 5 years, and receive an instant decision after a soft credit check. FanBasis approved accounts also come with 0% interest options for qualified customers (exclusive to FanBasis only!)

☑ Application Required:
To enable Climb as a BNPL option, sellers must first submit an application through the FanBasis x Climb onboarding process.

Eligibility

Customers:

• Must be based in the United States.

• Must meet Climb’s minimum credit and underwriting standards (typically 620+ FICO or higher for individual applicants).

• May apply with a co-borrower to improve approval odds or loan terms.

Sellers:

To offer Climb financing and unlock higher approval amounts for your customers, we review a few key eligibility factors:

• Processing History

  • If your offers are below $25,000, 3 months of processing history is typically sufficient.

  • To access the highest financing limits, we ask for 12 months of processing history.

• Annual Processing Volume

  • Climb also looks for a minimum annual processing run rate of $1M.

  • This helps confirm consistent transaction volume and supports higher customer approval amounts.

These requirements allow Climb to provide competitive financing options while ensuring a smooth and reliable experience for both you and your customers.

Key Features

• Risk-Adjusted Upfront Funding: Merchants receive between 42% and 90% of the program price depending on borrower credit.

• Non-Recourse Loans: FanBasis and sellers assume no repayment risk once the student’s loan is funded.

• Soft Credit Pulls: Pre-qualification uses a soft credit inquiry; a hard pull only occurs once the student accepts the loan offer.

• Fast Payouts: Funds are typically disbursed to FanBasis within 2–3 weeks of approval.

• 0% Interest Option: Available for high-credit borrowers under Climb’s 0% program.

Best For

• Students looking for longer-term financing (up to 84 months) with predictable monthly payments.

• Sellers offering career-focused or skill-development programs that qualify as “career transformative education.”

Application Fee Pricing

Sellers looking to offer Climb financing will need to cover an application fee as part of the onboarding process. Please reach out to your Account Manager for more information.

• USA: $299

• Canada & Australia: $599

• UAE & UK: $799

6. Zip (formerly Quadpay)

Overview

Zip allows users to split purchases into 4 bi-weekly payments.

How to Use Zip

• Select Zip at checkout.

• Enter your information and follow the instructions to complete the Zip application.

Best For

• Users looking for a flexible BNPL service with a subprime credit score.

• Customers who prefer paying smaller installments over a short period.

Availability & Eligibility

Zip availability may be limited for certain business models or services based on provider risk and compliance requirements.

7. Sezzle

Overview

Sezzle allows U.S. and Canadian customers to split purchases into two interest-free payments over two weeks or four interest-free payments for up to six weeks.

How to Use Sezzle

• Enter your first and last name, email address, and phone number (if applicable). 

• Select the Sezzle option and follow the instructions to complete the application. 

Best For

• Interest-free split pays.

• Customers in the U.S. and Canada seeking a simple, interest-free BNPL plan.

Comparison Table