QuoteIQ now supports consumer financing through Klarna and Afterpay (branded "Cash App Afterpay" in the US, "Clearpay" in the UK) — both powered through Stripe. When you turn these on, your customers see Buy Now, Pay Later options at checkout when they go to pay an invoice. They split the payment into installments. You get paid in full upfront. Klarna or Afterpay handles the collection.

Why this matters: Higher invoice approval rates, larger average ticket sizes, and a closer-the-deal option for high-ticket jobs (HVAC, roofing, remodeling, ceramic coating, big landscape jobs). Until now this was one of the only things some competitors had over QuoteIQ. Now you have it too — and at zero additional subscription cost.

Available on: All QuoteIQ plans

What you pay extra: Nothing on your QuoteIQ subscription. Stripe charges its standard BNPL transaction fees (typically a few percentage points per transaction — see Stripe's pricing page for current rates).

Quick Setup — Both Methods Live in 2 Minutes

Sign in to your Stripe Dashboard.
Go to Settings → Payment methods.
Scroll down to the Buy now, pay later section.
Toggle Klarna on. Toggle Afterpay / Clearpay on (in the US this is now branded "Cash App Afterpay" — same toggle).
That's it. Both will start appearing as payment options on eligible customer invoices the next time someone goes to pay.

No code, no integration, no separate account to set up. The full Stripe + QuoteIQ pipeline already runs through your existing Stripe connection — turning on Klarna and Afterpay just adds them as payment methods customers can select.

How Klarna Works for Your Customer

When a customer opens an invoice and clicks Pay, they'll see Klarna as an option alongside credit card, Apple Pay, and Google Pay. After choosing Klarna, they're redirected to Klarna's secure flow to confirm. Once approved, the invoice is marked paid in QuoteIQ.

Customer payment options through Klarna (varies by country and order amount):

Pay in 4 — 4 interest-free installments paid every 2 weeks.
Pay in 30 days — Defer the full payment for 30 days, no interest.
Financing 6–24 months — Longer-term monthly installments with capped interest. Best for high-ticket jobs.

US contractors: The 6–24 month financing tier is not enabled by default after you toggle Klarna on. To unlock it, contact Stripe Support from inside your Stripe Dashboard after activation and request that they enable the financing tier on your account. The "Pay in 4" and "Pay in 30 days" options work immediately.

Customer countries supported: United States, United Kingdom, Canada, Australia, New Zealand, plus most of the EU.

You get paid: Full invoice amount, upfront, deposited to your Stripe account on your normal payout schedule.

Refunds: You can refund Klarna invoices up to 180 days after the original payment, the same way you'd refund any Stripe invoice.

How Afterpay (Cash App Afterpay) Works for Your Customer

Afterpay is the second BNPL option you can offer. In the US it shows as "Cash App Afterpay." In the UK it shows as "Clearpay." Same Stripe toggle, regional branding handled automatically.

When a customer chooses Afterpay at checkout, they're redirected to Afterpay's site to authorize the installment plan, then returned to QuoteIQ. Like Klarna, you receive the full invoice amount upfront and Afterpay handles collection from the customer.

Customer payment options through Afterpay:

Pay in 4 — 4 interest-free bi-weekly installments over 6 weeks. The customer pays the first installment immediately and the remaining 3 every 2 weeks.
Monthly installments — US only — 6 or 12 month installment plans with capped interest. Useful for larger jobs where Pay in 4 doesn't fit the customer's budget.

Customer countries supported: United States, United Kingdom (as Clearpay), Canada, Australia, New Zealand.

Important Afterpay limitations:

One-time invoices only — Afterpay does not work with QuoteIQ recurring invoice subscriptions. For recurring service plans, Klarna or credit card is the way to go.
Domestic transactions only — The customer must be in the same country as your Stripe account. A US contractor cannot accept Afterpay from a Canadian customer (or vice versa).

You get paid: Full invoice amount, upfront, deposited to your Stripe account on your normal payout schedule. Afterpay absorbs all losses from customer fraud or non-payment.

Refunds: You can refund Afterpay invoices up to 180 days after the original payment.

Klarna vs. Afterpay — Which Should I Turn On?

Turn on both. They're free to enable, and your customer chooses which one they prefer at checkout. Different customers prefer different brands — some only have a Klarna account, others only Cash App Afterpay. Offering both maximizes the chance the customer will use BNPL instead of abandoning the invoice.

Feature	Klarna	Afterpay (Cash App Afterpay / Clearpay)
Pay in 4 (interest-free, bi-weekly)	✅	✅
Pay in 30 days (deferred, interest-free)	✅	❌
Long-term financing (6–24 months)	✅ (US: contact Stripe Support)	✅ (US only — 6 or 12 months)
Works with recurring/subscription invoices	✅	❌ One-time only
Cross-border transactions	⚠️ Limited	❌ Domestic only
You get paid upfront	✅	✅
BNPL provider takes the collection risk	✅	✅
Refunds available up to 180 days	✅	✅

When This Wins You More Jobs

Consumer financing has the biggest impact on:

High-ticket jobs — HVAC system replacements, roofing, exterior remodeling, full landscape installs, ceramic coating packages, paint protection film. Customers who would balk at a $5,000 invoice often happily commit to $1,250 every 2 weeks.
Unexpected repairs — Emergency plumbing, water damage, HVAC failure. Customer needs the work but didn't budget for it. BNPL closes the deal.
Seasonal services — Holiday lighting, big spring cleanups, pre-event pressure washing. Spread the cost over 6 weeks instead of taking it on the chin all at once.

Mention BNPL availability in your estimate templates and at the close — "We offer Klarna and Afterpay if you'd like to split this into 4 payments" is one of the highest-impact closing lines you can add.

Frequently Asked Questions

Does turning on Klarna and Afterpay cost me anything extra on my QuoteIQ subscription?

No. There is no additional QuoteIQ subscription cost. Stripe handles the BNPL transaction directly and charges its standard transaction fee (a small percentage per BNPL payment, usually a few points higher than a credit card transaction). Check Stripe's pricing page for the current rate in your region.

Do my customers have to create a Klarna or Afterpay account?

They go through Klarna's or Afterpay's flow at checkout, which involves a quick approval and authentication. Many customers already have a Klarna or Cash App Afterpay account from previous online purchases. Either way it's just a few taps before they're back to your QuoteIQ invoice.

What if my customer doesn't pay Klarna or Afterpay back?

Not your problem. You already have your money. Klarna and Afterpay each take on the full collection risk and absorb losses from fraud or non-payment. You get paid in full upfront when the customer chooses BNPL, and the BNPL provider handles everything else.

Can I refund a Klarna or Afterpay payment?

Yes. Both Klarna and Afterpay support refunds up to 180 days after the original payment, processed the same way you'd refund any other Stripe payment from inside your Stripe Dashboard.

Will Klarna and Afterpay show up on every invoice automatically?

They show up on eligible invoices for eligible customers. Eligibility depends on the order amount, the customer's country, and the BNPL provider's own approval rules. Stripe's dynamic payment methods system handles all of this automatically — you don't have to configure anything per invoice.

Why is the 6–24 month Klarna financing not showing up for my US customers?

For US-based contractor accounts, the long-term financing tier is not enabled by default when you toggle Klarna on. The "Pay in 4" and "Pay in 30 days" options work immediately. To unlock the 6–24 month financing tier, contact Stripe Support from inside your Stripe Dashboard and ask them to enable it on your account. They'll review and turn it on, usually within a few business days.

Can I use Afterpay for recurring service plan invoices?

No. Afterpay only supports one-time invoice payments. For recurring/subscription invoices in QuoteIQ, customers can pay with credit card, ACH, Apple Pay, Google Pay, or Klarna — but not Afterpay. This is an Afterpay limitation, not a QuoteIQ one.

Can my Canadian customer pay a US contractor's invoice with Afterpay?

No. Afterpay is domestic-only — the customer must be in the same country as your Stripe account. Klarna has slightly broader cross-border support but is also region-restricted. For most home service businesses this won't matter (you and your customer are in the same country anyway).

Which plans support Klarna and Afterpay?

All QuoteIQ plans — Essentials ($29.99/mo), Beginner ($74.99/mo), Pro ($149.99/mo), Elite ($299/mo), and Max ($699/mo). Consumer financing is available on every tier from day one.