Comment implémenter une solution « Achetez maintenant, payez plus tard » dans Magento 2

What is "Buy Maintenant, Pay Later" (BNPL) in Magento 2?

"Buy Maintenant, Pay Later" (BNPL) is a payment solution that allows clients to purchase products immediately and pay for them in installments over time. This flexible méthode de paiement has become increasingly popular in eCommerce, as it helps increase conversion rates and average commande valeurs by reducing financial barriers for shoppers.

Dans Magento 2, you can implement BNPL either through tiers payment providers (like Afterpay, Klarna, or Affirm) or by creating a custom installment payment solution. Let’s explore both approchees.

Option 1: Integnote Third-Party BNPL Providers

Many BNPL providers offer Magento 2 extensions to simplify integration. Here’s comment set up Klarna as an exemple:

Step 1: Install the Klarna Extension

Vous pouvez install the Klarna module via Composer:

composer require klarna/m2-payments

Step 2: Configure Klarna in Magento Admin

Navigate to Stores > Configuration > Sales > Payment Methods > Klarna and enter your commerçant credentials.

Step 3: Enable Payment Options

Choose which BNPL options to display (Pay Later, Slice It, Financing). Save the configuration.

Step 4: Customize Checkout Display

Klarna will now appear as a payment option at paiement. Vous pouvez adjust the widget styling via the extension settings.

Option 2: Creating a Custom BNPL Solution

Si vous prefer more control, you can build a custom BNPL solution. Here’s a basic implémentation approche:

Step 1: Create a Custom Payment Module

Set up a new module with les éléments suivants structure:

app/code/Vendor/BuyNowPayLater/
├── etc/
│   ├── adminhtml/system.xml
│   ├── config.xml
│   ├── module.xml
│   └── payment.xml
├── Model/
│   ├── Method/
│   │   └── BuyNowPayLater.php
│   └── Ui/
│       └── ConfigProvider.php
└── view/
    └── frontend/
        ├── layout/
        ├── templates/
        └── web/template/payment/buynowpaylater.html

Step 2: Define the Payment Method

Create the méthode de paiement class (BuyNowPayLater.php):

<?php
namespace Vendor\BuyNowPayLater\Model\Method;

use Magento\Payment\Model\Method\AbstractMethod;

class BuyNowPayLater extends AbstractMethod
{
    const CODE = 'buynowpaylater';
    
    protected $_code = self::CODE;
    protected $_isOffline = true;
    protected $_canAuthorize = true;
    protected $_canCapture = true;
    
    public function authorize(\Magento\Payment\Model\InfoInterface $payment, $amount)
    {
        // Custom authorization logic
        return $this;
    }
}

Step 3: Configure Payment Options

Create payment.xml to define your BNPL options:

<?xml version="1.0"?>
<config xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="urn:magento:module:Magento_Payment:etc/payment.xsd">
    <payment>
        <groups>
            <group id="buynowpaylater">
                <label>Buy Now, Pay Later</label>
            </group>
        </groups>
    </payment>
</config>

Step 4: Add Installment Options

Extend the paiement with custom installment options in your template:

<div class="payment-method" data-bind="css: {'_active': (getCode() == 'buynowpaylater')}">
    <div class="payment-method-title field choice">
        <input type="radio"
               name="payment[method]"
               class="radio"
               data-bind="attr: {'id': getCode()}, value: getCode(), checked: isChecked, click: selectPaymentMethod" />
        <label data-bind="attr: {'for': getCode()}" class="label">
            <span data-bind="text: getTitle()"></span>
        </label>
    </div>
    <div class="payment-method-content">
        <div class="installment-options">
            <h3>Choose Payment Plan:</h3>
            <select data-bind="value: installmentOption">
                <option value="1">Pay in full now</option>
                <option value="4">4 interest-free payments</option>
                <option value="6">6 monthly payments (with interest)</option>
            </select>
        </div>
    </div>
</div>

Bonnes pratiques for BNPL Implementation

• Clear Disclosure: Always display installment terms and any fees upfront
• Mobile Optimization: Ensure BNPL options work smoothly on mobile devices
• Fraud Prevention: Implement credit checks or commande limits for installment payments
• Order Status Handling: Create custom statut de commandees for installment payments

Conclusion

Adding BNPL to your Magento 2 store can significantly boost conversions and average commande valeurs. Whether you choose a tiers solution or build a custom implémentation, ensure the payment flow is seamless and transparent for clients.

For stores needing advanced BNPL fonctionnalités, consider exploring Magento 2 extensions from Magefine that offer ready-made solutions with additional fonctionality like automated payment scheduling and client credit management.