Buy Now Pay Later (BNPL) Merchant Application

Streamline Your BNPL Merchant Application with Paperform

Offering Buy Now Pay Later (BNPL) payment options has become essential for ecommerce merchants looking to increase conversion rates, boost average order values, and attract younger demographics. But getting approved as a BNPL merchant partner requires sharing detailed business information, financial metrics, and operational data—information that's often scattered across platforms and spreadsheets.

This BNPL Merchant Application template helps ecommerce businesses, online retailers, and digital merchants apply for BNPL provider partnerships through a professional, streamlined form that collects everything providers need to evaluate your application.

Why BNPL matters for growing ecommerce brands

Buy Now Pay Later services like Afterpay, Klarna, Affirm, and others have transformed online shopping by letting customers split purchases into interest-free installments. For merchants, BNPL integration typically means:

• Higher conversion rates (up to 20-30% improvement at checkout)
• Increased average order values as customers feel empowered to buy more
• Access to younger shoppers who prefer flexible payment options
• Reduced cart abandonment by removing upfront payment barriers
• Fast, guaranteed merchant payments while the BNPL provider assumes payment risk

But BNPL providers need to assess your business carefully before approval. They want to understand your sales volume, customer demographics, return rates, existing platform integrations, and overall business health.

What this template helps you collect

This application form captures all the critical information BNPL providers evaluate:

Business fundamentals: Company details, business structure, years in operation, and ownership information that establish your legitimacy and track record.

Ecommerce platform and tech stack: Current platform (Shopify, WooCommerce, BigCommerce, custom), payment processors, monthly transaction volume, and technical capabilities that determine integration feasibility.

Financial performance: Average order value, monthly revenue, annual sales, return rates, chargeback rates, and other key metrics that help providers assess risk and predict profitability.

Customer demographics: Geographic markets, typical customer age ranges, product categories, and shopping behavior that signal alignment with BNPL user profiles.

Business goals: Why you want to offer BNPL, expected impact on sales, and how you'll promote the option to customers.

Built for ecommerce teams who need to move fast

If you're a small to medium ecommerce brand, DTC business, online retailer, or digital merchant, you know that every week without BNPL integration is potentially lost revenue. This template gets you from "we should apply" to "application submitted" in minutes, not days.

The form is mobile-friendly, so your finance lead can complete it from anywhere, and conditional logic only shows relevant questions based on your business type and platform. Once submitted, you can automatically send the data to your CRM, trigger a Slack notification to your ops team, or use Stepper to create a workflow that tracks application status, follows up with providers, and alerts your team when approval comes through.

Turn applications into signed agreements with Papersign

Many BNPL providers require signed merchant agreements before activation. With Papersign, you can automatically generate partnership contracts from approved applications and send them for secure eSignature—keeping the entire merchant onboarding process connected, compliant, and audit-ready. No more downloading PDFs, printing, scanning, and emailing signed documents. Everything flows from application to signature to go-live in one streamlined experience.

Automate your BNPL onboarding with Stepper

Once you're approved, there's still work to do: implementing the BNPL integration, updating your checkout flow, training your customer service team, and launching marketing campaigns. Stepper can turn your approved application into a multi-step onboarding workflow that:

• Creates tasks for your dev team to install BNPL plugins
• Updates your Shopify or platform settings automatically
• Sends onboarding materials and brand assets to your marketing team
• Logs provider details in your operations dashboard
• Schedules a go-live date and sends launch reminders

This means your BNPL integration doesn't stop at "approved"—it flows seamlessly into execution, keeping everyone aligned and on schedule.

Security and compliance for financial applications

BNPL applications involve sensitive business and financial information. Paperform is SOC 2 Type II certified and GDPR compliant, with data encryption, secure submission storage, and configurable data residency controls. You can trust that your business details, revenue figures, and merchant data are handled with the same security standards that enterprise finance teams expect—without needing a complex enterprise tool.

Who this template is perfect for

This BNPL Merchant Application template is designed for:

• Ecommerce brands and DTC businesses selling physical or digital products online
• Online retailers and marketplaces looking to boost checkout conversion
• Digital merchants and subscription businesses wanting flexible payment options
• Small to mid-sized stores on Shopify, WooCommerce, BigCommerce, or custom platforms
• Marketing and operations teams who need to move fast on growth opportunities

If you're ready to offer Buy Now Pay Later and want a professional, conversion-friendly application experience, this template gives you everything you need to get started today.

Get started in minutes

Simply customize the form fields to match your specific BNPL provider's requirements, apply your brand colors and logo, and publish. You can embed the form on your merchant portal, share it via link, or send it directly to prospective merchants. With Paperform's intuitive editor, you can add, remove, or modify questions without touching code, and see changes instantly.

Trusted by over 500,000 teams worldwide, Paperform makes it easy to create professional financial applications that work beautifully on any device, integrate with your existing tools, and give you the data and automation you need to scale your ecommerce operations.

Start offering Buy Now Pay Later to your customers—and start growing your business—with a streamlined BNPL Merchant Application built on Paperform.