Pay-Over-Time for Luxury Fashion Retailers
Give style-conscious customers a premium way to pay — so full-price looks and seasonal wardrobes are easier to commit to.
Move more full-ticket looks off the rack.
- ✓Sized for seasonal edits and multi-item looks
- ✓Works in boutique, trunk show, and private client flows
- ✓Payment experience that feels on-brand
Save on time, fees, and headaches
Lower fees on luxury sales
Meaningfully lower processing costs compared to typical online BNPL merchant fees. Keep more of every completed sale.
Instant funding, zero headaches
Get paid when a plan is accepted. No chasing customers. No clunky systems or lengthy applications.
Encrypted, secure transactions
Payments are protected with industry-grade encryption — so your customers can check out with confidence.
Higher close rates
Pay-over-time can lift conversion when customers are comparing similar pieces across brands.
No website or cart needed
Build a PayBreak catalog instead — share pay links by email or text, or let customers scan a QR code to check out. No e-commerce site required.
Dedicated US-based support
Real humans, fast resolutions. Our team is here for you — onboarding, payouts, and day-to-day merchant questions.
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.
Ready to close more high-ticket sales?
Flexible pay-over-time for the customers who want the look now — with merchant payout at plan acceptance.
Apply for early access