Buy now, pay later (Klarna and Clearpay)

You can offer Klarna and Clearpay as payment options at checkout, letting patients spread the cost while your clinic is paid in full up front, settled to your Stripe account like a card payment.

Switching it on

1. Make sure your Stripe account is connected (Settings → Integrations → Payments).
2. Enable Klarna and/or Clearpay on your Stripe account itself (Stripe Dashboard → Settings → Payment methods).
3. Tick Klarna and/or Clearpay under Buy now, pay later in Settings → Integrations and save.

Where patients see it

The options appear at checkout when a patient books online, and on balance payment links you send. Klarna needs a minimum of around £1, and both currently support GBP payments.

What it costs and how it settles

Klarna and Clearpay charge their own processing fees through Stripe (higher than a standard card fee). The patient's instalment plan is between them and the provider; you receive the full amount and refunds work the same way as card refunds.

A regulatory note

Offering instalment options may constitute credit broking. Check whether your clinic needs FCA authorisation before enabling, and take advice if you are unsure. AesthetiClinic surfaces the option but the decision to offer finance is your clinic's.