BNPLMargin Studio — Free Interactive In-Browser Studio
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Quick Reference & Frequently Asked Questions
Why does BNPL often reduce net profit even when average order value (AOV) goes up?
Because 65%–80% of customers who select Pay-in-4 at checkout would have completed the purchase with a standard credit card (2.9% fee). Paying 5.99% + $0.30 on those cannibalized orders, plus losing the 5.99% fee on returned items, often outweighs the margin from the 20% incremental buyers.
Do Klarna, Affirm, and Afterpay refund the 5.99% merchant fee when a customer returns an item?
In most standard merchant agreements, the fixed transaction fee ($0.30) and often the full 5.99% merchant discount rate are non-refundable upon customer return—meaning a $150 returned dress costs you $9.29 in permanent payment fees before return shipping.
What is the optimal minimum cart threshold to enable BNPL on Shopify?
For a store with a $85 baseline AOV and 60% gross margin, hiding BNPL below $120 prevents fee cannibalization on single-item carts while motivating shoppers to add a second item to unlock Pay-in-4.
When should a merchant offer 0% APR monthly financing (6–12 months) vs. interest-bearing loans?
0% APR 6-to-12-month plans charge merchants 8.5% to 12.5% MDR. They should only be enabled on carts above $300 with gross margins exceeding 62%; below that, switch to interest-bearing plans where the buyer pays the APR and your merchant fee drops to ~3.5%.