Save on time, fees, and headaches
Pay-over-time that works for your business—lower fees, instant funding, and support that actually helps. Here's what sets PayBreak apart.
Get startedWhat sets PayBreak apart
Lower fees, instant funding, payment links your customers already understand, and support that actually helps. Here's how we make pay-over-time work for your business.
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.
Customer-friendly financing, built for your business
We designed PayBreak around what merchants and buyers actually need—simpler checkout, transparent terms, and financing that doesn't feel like a trap.
For your customers
- Simple checkoutThrough your payment link, customers apply in seconds, see eligible options at a glance, and choose the plan that fits—without lengthy forms or extra steps.
- Trusted pay-over-timeOffer flexible payment plans buyers already recognize from shopping online, with paths that fit different budgets and order sizes.
- Transparent financingEligible options are presented clearly so customers can compare payment paths and move forward on terms that fit their budget—not deferred-interest surprises later.
For your business
- Lower merchant feesProcessing costs run lower than typical BNPL merchant fees, so more of every funded sale stays with you instead of disappearing into stacked checkout pass-throughs.
- Approvals stay with youAn approval is tied to your offer, not syndicated across a marketplace where the same buyer gets shopped to competitors after your team did the work.
- Instant fundingYou're funded when checkout completes; PayBreak handles repayment with the customer so you're not carrying receivables or chasing balances.
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.
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.
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.
Why wait? Get started now
Join our first wave of merchant partners. No monthly fees, no long-term commitment—just flexible financing that helps your customers say yes.
Apply for early access