The idea in one minute
You get your full amount today; the customer pays it off over time to the pay-later provider. It removes sticker shock and lifts sales — especially on higher-priced offers.
The catch: each checkout supports different brands.
| Checkout | Pay-later brands | Notes |
|---|---|---|
| Square | Afterpay | Built in — just switch it on. |
| Stripe | Klarna, Zip, Afterpay, Affirm | A separate checkout you connect. More brands. |
Most important thing: on Square, Afterpay is your buy-now-pay-later — it does the same "pay in 4" customers ask for. Square does not offer Klarna or Zip; those live on Stripe.
Turn on Afterpay in Square
New to Square? Afterpay comes with a free Square account — open one here.
~2 min
On your computer
Square Dashboard- Sign in at your Square Dashboard.
- Go to Settings → Payments → Payment methods.
- Find Afterpay and toggle it ON (online + in-person).
- Done — it shows automatically at checkout on your links, invoices, and online store.
What it costs: no monthly fee. Afterpay sales run at 6% + $0.30 per online transaction — the trade for more yeses and no chargeback risk.
~2 min
On your phone
Square app- Open the Square app → ≡ More → Settings.
- Tap Payments (or Checkout / Payment methods) → find Afterpay.
- Toggle it ON. Already on? You're set.
If you specifically want Klarna or Zip
Those aren't on Square — add Stripe as a second checkout (it supports Klarna, Zip, Afterpay, Affirm).
- Create a free account at stripe.com and complete verification.
- In Stripe, Settings → Payments → Payment methods and enable Klarna and Zip.
- Use a Stripe payment link so those options appear.
Full walkthrough: Connect Stripe for Klarna & Zip →
Honest take: Afterpay on Square already covers the "let me pay over time" need for most customers, with nothing new to manage. Only add Stripe if customers ask for Klarna or Zip by name.