Do I get paid in instalments too?

No. You're paid once, in full, in your normal EUR payout. The instalments are between the customer and the BNPL provider.

Who carries the risk if the customer doesn't pay?

The provider. They make the credit decision at checkout and take the exposure, which is what their fee covers.

How does a refund work?

Against the order, like any other refund, full or partial with a required reason. The provider unwinds the customer's remaining instalments accordingly.

Will it show on orders where it doesn't make sense?

Only if you want it to. Most merchants set a minimum order value so the method appears where it changes a decision, rather than on every small purchase.

/// Method · Flexible

They split it. You're paid once.

BNPL raises average order value by removing the moment where a customer decides the total is too much in one go. From the merchant's side it's another row on the methods screen: the provider carries the instalments and the credit decision, you receive the full amount in your usual payout, and the order reference doesn't change.

See Protocore Gateway All payment methods

Once

You're paid in full

Them

Provider carries the credit

Order reference either way

EUR

Same payout as cards

/// How it runs

Four steps, one of them theirs.

[ 01 ]
CHOOSE
The customer picks BNPL on the same checkout as every other method.
[ 02 ]
APPROVE
The provider makes the credit decision in the flow, in seconds.
[ 03 ]
CONFIRM
The order flips to paid and your webhook fires — fulfil as normal.
[ 04 ]
SETTLE
The full amount pays out to you in EUR while the customer pays the provider back.

/// 01

Why it moves the numbers

BNPL earns its place on higher-value orders, where the objection is the size of a single payment rather than the price itself. Splitting it changes the decision the customer is making at the moment they're making it, which is why it shows up as basket size rather than as conversion on cheap items.

[ 01 ]Most effective on higher-value orders
[ 02 ]Changes the decision at the moment of the decision
[ 03 ]Shows up as average order value, not just conversion

/// 02

What you carry, and what you don't

You don't carry the credit risk, the instalment schedule, the collections, or the customer's repayment relationship — the provider does. What you carry is the same thing as any other method: an order, a receipt, and a refund path if the sale comes back. A refund unwinds through the provider, against the same order reference.

[ 01 ]No credit risk, no instalment schedule, no collections
[ 02 ]Paid in full in your normal payout
[ 03 ]Refunds issued against the order, unwound through the provider

/// 03

What it takes to switch on

A toggle, and a decision about which orders it appears on — most merchants set a minimum, since the method earns its place above a certain basket size and just adds a row below it.

/// FAQ

Buy now, pay later — questions merchants ask.

No. You're paid once, in full, in your normal EUR payout. The instalments are between the customer and the BNPL provider.
The provider. They make the credit decision at checkout and take the exposure, which is what their fee covers.
Against the order, like any other refund, full or partial with a required reason. The provider unwinds the customer's remaining instalments accordingly.
Only if you want it to. Most merchants set a minimum order value so the method appears where it changes a decision, rather than on every small purchase.