Don't lose the sale because they can't pay it all today
They pay over time. You get paid upfront — all at lower cost than Klarna or Affirm. Set up in minutes, no website required.
- ✓Go live with no website or integration required
- ✓Industry-leading approvals~90% approved
- ✓Get funded instantly when a plan is accepted
- ✓All-in pricing that undercuts the big BNPL fees
Built for every kind of business
From a single storefront to multi-location operators, PayBreak powers pay-over-time with shareable payment links across any industry.
What to expect
PayBreak turns payment hesitation into completed orders while making it easier for customers to buy what they need.
Average savings on BNPL processing vs typical merchant BNPL fees.
Merchants reach more buyers when pay-over-time is offered up front.
Orders run 15–40% larger when pay-over-time is offered upfront.
Leading approval rates across a wide range of credit profiles.
How PayBreak works in
3 easy steps
No engineering lift or clunky financing app. Stand up pay-over-time with payment links in minutes.
Create your offer
Name it, price it, describe it: a product, a bundle, a service, or a custom quote. From your merchant portal, build an offer with a shareable PayBreak payment link in minutes.
Share the link
Send it by text, email, or share it from your portal. No website or invoicing integration needed. Your team controls when each link goes out — no re-keying forms, no awkward payment talk.
Customer pays
They pay on PayBreak, with most approvals in minutes. When a plan is accepted, funds reach your account fast — and PayBreak handles repayment with the customer, not your team.
Give customers a break — close more deals
When customers can split the cost, hesitation when it's time to pay turns into completed orders. Here's what that looks like in practice.
Get startedNorthline Outfitters · Outdoor & lifestyle retailer
with PayBreak in the first 60 days
~$1,200 avg. order · payment links for gear & outfitting packages
We built PayBreak because buyers deserve better.
Too many people delay or skip a purchase they're ready to make — not because it's wrong for them, but because the full price upfront feels impossible in the moment. Merchants lose the sale to that same hesitation when it's time to pay.
PayBreak closes that gap with financing that's transparent for customers, simple for businesses, and built around real buying decisions rather than just conversion. It's a new product from BlossomFi — built by a team with years in payments — and we're committed to earning your trust over time.
Save on time, fees, and headaches
90% approval rate
More approved customers means more completed purchases and more revenue for your business.
Save up to 50% vs. competitors
PayBreak can cost up to half of what the big BNPL names charge — without giving up approval power.
0% interest plans
Offer flexible 4-payment, 6- or 12-month plans at 0% interest, making bigger purchases truly accessible.
Instant merchant payout
Once a customer is approved, funds transfer to your linked account right away. No waiting, no delays.
PayBreak saves merchants nearly 50%
PayBreak compared to Klarna and Affirm on base rate, fees, and effective cost.
| Feature |  |  | PayBreak |
|---|---|---|---|
| Base rate | 5.99% | 5.99% | 4.49% |
| Per transaction fee | $0.30 | $0.30 | $0.10 |
| Processing fees | ~2.9% | ~2.9% | Included (all-in) |
| All-in effective rate (on $1,000) | 8.92% | 8.92% | 4.50% |
| Cost on $1,000 sale | $89.20 | $89.20 | $45.00 |
| PayBreak savings vs competitors | Save 49.6% with PayBreakVS Klarna $44.20 per $1,000 | Save 49.6% with PayBreakVS Affirm $44.20 per $1,000 | Lowest cost. All-in pricing. |
Illustrative pricing for demonstration only. Figures represent average standard merchant rates. Actual rates vary by merchant, transaction size, industry, and underwriting. Klarna and Affirm are trademarks of their respective owners. PayBreak is not affiliated with, endorsed by, or sponsored by Klarna or Affirm. This comparison is provided for informational purposes only.
Give your customers a break, without losing your cut.
We're onboarding our first wave of merchant partners. Join early and help shape how PayBreak works — no monthly fees, no long-term commitment.
Apply for early access