At Chipply, we’re always looking for ways to make your customers’ shopping experience smoother, faster, and more flexible. That’s why we’ve introduced several new payment options: Stripe Link, Apple Pay, Google Pay, and (optionally) Klarna.
These updates make checkout lightning-fast and more secure, helping shoppers move from cart to confirmation in seconds, especially on mobile devices.
Recent data backs this up:
- Retailers using Apple Pay have reported significantly higher mobile conversion rates thanks to faster, one-tap checkout and biometric authentication.
- Google Pay users enjoy an equally quick, autofilled process that skips manual card entry entirely — a huge win for busy consumers shopping on mobile devices.
- And with Stripe Link payments now available, teams and organizations can complete large transactions securely and efficiently.
Together, these options create a modern checkout experience that boosts sales while keeping payments simple and seamless.
Klarna, a buy now, play later service provider, allows shoppers to split their purchases into smaller, interest-free payments (when paid on time). But like any new payment technology, BNPL has both advantages and drawbacks — for merchants and for shoppers.
For team dealers and school stores, this flexibility can make a real difference. Parents juggling multiple uniforms or gear packages often appreciate the ability to spread payments over time. But it comes at a cost, both literally and metaphorically. Klarna’s processing fees are higher than the typical credit card fees, and there are ethical considerations as well.
Let’s go over the advantages and disadvantages of utilizing Klarna’s buy now, pay later options in your Chipply Stores.
The Pros of Adding Klarna
- Higher Average Order Values
When shoppers can pay over time, they’re more comfortable purchasing full packages rather than picking and choosing items. That often leads to higher total sales per transaction. - Reduced Cart Abandonment
Klarna gives hesitant buyers another option. Instead of walking away from a large purchase, they can choose an installment plan and complete the order with confidence. - Support for Budget-Conscious Families
In communities where the upfront cost of gear can be a barrier, Klarna helps make team participation more accessible. Offering this flexibility can build goodwill with families while helping teams get fully outfitted. - Interest-Free for Buyers (When Payments Are On Time)
Klarna’s installment plans are interest-free for buyers who make their payments as scheduled, creating an appealing alternative to traditional credit cards.
The Cons of Klarna
- Higher Merchant Fees
Klarna transactions carry a 5.9% processing fee, compared to the typical 2.9% + $0.30 for credit cards. While that’s the cost of offering payment flexibility, it’s worth weighing the fee against the potential sales lift. - Potential for Buyer Misuse or Misunderstanding
Although BNPL makes large purchases easier, it can also encourage overspending — particularly among younger shoppers who may not fully understand the risks of missed payments. Late fees and credit implications can make these plans feel predatory if not managed carefully. - Ethical Considerations
The BNPL model has drawn scrutiny for targeting shoppers who may be financially vulnerable. As a responsible platform, Chipply believes in offering Klarna thoughtfully and transparently — as a tool for accessibility, not impulse buying.
Chipply’s Best Practices for Klarna
Our recommendation is simple: use Klarna strategically, not universally.
- Enable it only in stores with high-value required packages — such as full baseball uniform sets or equipment bundles where a single order might total $500 or more.
- Consider offering it in stores that serve cost-sensitive communities, where payment flexibility can genuinely help families manage upfront expenses.
- Monitor performance and margin impact — start small, turning it on for just a few stores and track how many orders use Klarna, what incremental lift you get, the additional fee drag, and how many payment issues or refunds arise before deciding whether or not you should turn it on for others.
With this launch, Chipply has also introduced the ability to manually toggle Klarna on or off for each store. Klarna is disabled by default, but can be activated at the account level, giving you control to enable it only where it fits best. To turn Klarna on for your account, just reach out to Team Chipply.
In Summary
Chipply’s new payment suite—Stripe Link, Apple Pay, Google Pay, and Klarna—empowers your stores to meet customers where they are. The first three bring faster, simpler, and more secure checkout experiences that today’s shoppers expect. Klarna adds a new level of flexibility, but it comes with higher costs and responsibility.
By using it wisely, you can make shopping more accessible for families while keeping your business strong and sustainable.
Ready to enable Klarna or learn more about Chipply’s new payment options?
Reach out to Team Chipply today — we’re here to help you build the best checkout experience possible.