Features
Partner BNPL
Sell on instalments without lending. A financing partner decides, pays the business and collects from the customer; Kila sends the application and records the decision.
Partner BNPL (“buy now, pay later”) lets you sell on instalments without lending. An authorised financing partner decides whether to finance the customer, pays the business, and collects the instalments from the customer under its own agreement. Kila sends the application, records the partner’s decision, and tracks what the partner owes you until it pays. Kila does not assess the customer’s creditworthiness: the partner does.
Who it suits
Link to this section: Who it suits- Part of the set-up for Shop, Wholesale & distribution, Food & drink service, Stay, Appointments, Fitness & memberships, Jobs & repair, Professional services, Health care, Production and General.
- Can be added by Education and Logistics & field.
Shops selling goods that customers want to pay for over time, when the business does not want to carry the credit.
What is included
Link to this section: What is included| Switch | What it does | To start |
|---|---|---|
| New BNPL sales | Submit sales to a financing partner. | On |
Where to find it
Link to this section: Where to find itCredit › Agreements, then New agreement, and choose Partner BNPL: “A financing partner decides and pays the business. The customer repays the partner.” It is not a way to pay at the till: each one starts as an agreement.
Switch it on
Link to this section: Switch it on- Needs Customers and Point of sale switched on first.
- On from the start for Shop, Wholesale & distribution, Food & drink service, Stay, Appointments, Fitness & memberships, Jobs & repair, Professional services, Health care, Production and General.
- It becomes active once the business has: signed agreement with an authorised financing partner.
Partner BNPL is on no plan: Kila arranges it with the business. The owner records Signed agreement with an authorised financing partner, with the partner and the date it was signed, under Administration › Settings, on the Compliance tab.
Not on a standard plan: Kila's team arranges it with the business.
Not available yet
No financing partner is connected to Kila yet, so Kila sends no application. New agreement says Apply with the financing partner: “Kila is not connected to …, so nothing is sent when you save.” Tap Save and wait for the partner, apply with the partner directly, then record its decision on the agreement: Record a decision by hand, Approved or Declined, and the Partner reference.
- Credit
- Hire purchase: when the business gives the credit itself.