Boost your sales
the custom-made way.

Give your customers the freedom to buy now and pay later. Pay by invoice from Unzer PayLater is fully flexible to suit your needs. For the perfect customer experience, bigger shopping baskets, and higher conversion rates.

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Pay by invoice: facts & figures

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%

of customers trust invoice payments the most since they are not required to provide sensitive banking information.¹

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of online sales in Germany are paid by invoice.²

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t

Pay by invoice is the most popular payment method in e-commerce.³

1 ibi research: “Erfolgsfaktor Payment”, February 2020

² EHI study: “Online Payment 2020”

³ Statista: “Marktanteile von ausgewählten Zahlungsverfahren im Online-Handel” 2019

Customized solution

Pay by Invoice,
just the way you like it.

You don’t have to process your payments on your own to maintain full control. With Unzer PayLater, you get a tailor-made solution from an experienced payment expert. We configure all the individual components of the solution exactly the way you need it.

Fully white-label solution

Flexible due dates

VIP treatment for returning customers

Customer portal with tools for customer retention, e.g. extending due dates

Customizable customer communication in your brand’s look and feel

Flexible dunning process

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Your benefits

Buy now, pay later.
Boost your business.

Increase your conversion rates

With pay by invoice as a payment method, you can reduce the number of abandoned shopping baskets in your shop. What’s more, customers tend to add more items to their basket when they know they can pay later. And we will set the maximum shopping cart value to suit your personal needs. 

Tip:

Additionally, offer your customers the option to pay in instalments – flexible financing options are especially popular for more expensive items!  

Guaranteed payout

Having upaylater as your pay by invoice provider takes the stress out of payment: Your customers can pay for their purchase at a later date, while your payout is guaranteed, giving you the security you need to plan ahead. We cover the risk of non-payment and take care of the receivables. You can rest assured knowing that we are friendly and fair to your customers.

Build customer trust

To consumers, shops that offer the option to pay later feel more trustworthy and customer-friendly. Our white-label solutions take it a step further, keeping your customers within your brand experience during the entire payment process. This increases trust and improves customer retention.

More on instalment payments

White paper

Pay by invoice,
with zero risk.

Customers love having the option to buy now and pay later. But many merchants are worried about a higher risk of non-payment. With upaylater as your payment provider for invoice payments, your shop’s revenue is secured. Learn more now.

Recurring payments
Once you go invoice, you’ll never go back.

When customers make repeat purchases using pay by invoice, there’s no need for them to reenter their data at checkout. As the merchant, you get to decide how often we run a credit check – monthly, quarterly, or annually. Convenient for your customers, simple and reliable for you.

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White-label solution
Your brand builds trust. Our solutions strengthen it.

With upaylater, you can accept invoice payments under your brand’s name. We are not visible as a third party. Your customers experience a seamless, trustworthy payment process in your brand’s design. Thanks to our many years of experience, we securely process the payment in the background, including real-time risk checks, clarifying any queries, and sending payment reminders.

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Integration options

Little effort,
big impact.

E-Commerce

Boost your online shop’s revenue.

Go with the integration option that will let you accept invoice payments in your online shop: a software developer kit (SDK), the Unzer REST-API, or our free plug-ins for the most popular shop systems.

POS

Digital invoice payment at the POS

With upaylater, you can offer one of the highest-turnover payment methods in your physical stores too, as a fully digital solution.You can integrate our solution into your POS sytem or your mobile app or hit the ground running with our web-based, stand-alone solution.

MoTo

Let customers pay phone orders by invoice.

Most customers can’t even imagine providing their sensitive payment data when making a purchasre over the phone. This is where pay by invoice is a must-have. upaylater is a payment trump card you can play in all your sales channels.

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BNPL solution for B2B

Pay by invoice. The most important method for business clients.

Make it easy for your customers to check out with pay by invoice. Most businesses do not have a credit card or PayPal account for business expenses. Buy now, pay later (BNPL), on the other hand, is a payment method everyone can use. Integrate the guaranteed pay by invoice solution from Unzer Paylater into your shop for satisfied customers and increased revenue.

  • Fewer abandoned shopping baskets, increased revenue
  • Flexible due dates
  • No risk of defaults, instant payout
  • Prioritized treatment for returning customers
  • Customer-friendly receivables management
  • Easy integration
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FAQs

Our answers to your FAQs about invoice payments

Which countries can I offer upaylater with pay by invoice in?

Our buy now, pay later solutions are currently available in Germany, Austria, Switzerland, and the Netherlands.

Can my business clients pay by invoice?

Yes, with Unzer PayLater you can offer invoice payments for B2B transactions. We fully cover you against the risk of payment defaults. 

Can I offer pay by invoice over the phone?

Yes, with Unzer PayLater you can also offer pay by invoice for MOTO transactions.

Can I offer pay by invoice at the point of sale (POS)?

Yes, your customers can also pay by invoice in your physical stores. Payment is processed digitally at the point of sale. Credit checks are performed in real time. This avoids any additional waiting time for your and your customers.

How soon do I receive the payouts from my sales?

We work with you to find the ideal payout terms for your business model. Instant payouts are also possible.

When do I incur costs as a merchant? Will I be charged during the credit and identity checks?

You don't incur any costs until the purchase has been completed and the goods have been sent. In case of refunds, you can have the fees reimbursed.

What invoice amount is due for a partial delivery?

In case of a partial delivery, customers only need to pay the partial amount for what was delivered.

Will my returning customers be priotized when paying by invoice?

Yes, as part of our risk strategy, data regarding the customer’s purchase history are analyzed. This maximizes the acceptance rate.

Does Unzer use my customers’ data for anything other than payment processing?

No, of course not. We do not use customer data for upselling or cross-selling and never use your customers’ data for other purposes.

In case of returns, will I receive a refund for the merchant discount fee?

Yes, you have the option to select automatic refunds on merchant discount fees. As soon as our system registers a return, we will refund you the discount fee. This means you only pay fees for invoice payments when the customers keeps the goods.

What happens if the customer does not pay their invoice?

In this case we will take care of the unpaid amount. We always communicate with your customers in a fair and friendly manner. The aim is to find a solution that ensures your customers will be happy to buy from you again. Our white-label approach means you can choose whether to customize the payment reminders and debt collection process in your brand’s look and feel.

Inerested in a pay by invoice solution from Unzer PayLater?

Our payment experts are happy to help you get started.

Contact us now