Paying in installments (Buy Now, Pay Later)

Back Market partners with several buy-now-pay-later (BNPL) providers so you can spread the cost of your purchase into smaller payments. Availability depends on your country. You will see all eligible installment options at checkout.

Approval is handled entirely by the BNPL provider. Back Market does not control or influence the decision. If you are declined, please contact the provider directly.

Jump to

Klarna - DE, AT, NL, FI, SE, UK, US, FR, ES, IT, PT

PayPal - UK, IT, US, FR, ES, AU, DE

Oney - FR, ES

Affirm - US

Clearpay - UK

Scalapay - IT

Afterpay - AU

Klarna

Who is Klarna and how does it work?

Klarna is a Swedish payment provider that lets you delay or split your payment. Depending on your country, the following options may appear at checkout:

Eligibility

• You must reside in a country where the option is offered.
• Klarna runs an automatic credit check in the background. Only the options you are eligible for will appear at checkout.

Refunds on Klarna orders

• Full refund: Klarna deducts any remaining balance from the refund amount and returns the difference to you. For example, if you still owe €100 on a €364 order, you receive €264 back.
• Partial refund or credit: funds go to your Back Market wallet. You must continue paying your Klarna installments until the plan reaches maturity.
• Processing time: up to 10 business days.

Need help?

Contact Klarna directly. Back Market does not have access to Klarna approval decisions or payment schedules.

PayPal 

Who is PayPal and how does it work?

PayPal offers installment options that let you spread the cost of your purchase over time, interest-free. Depending on your country, the following plans may appear at checkout when you select PayPal:

Eligibility

• You must have a PayPal account in the country where the installment option is offered.
• PayPal runs its own approval process in the background. Only the options you are eligible for will appear at checkout.
• Approval is not guaranteed and may depend on your PayPal account history, payment record, and the order amount.

Refunds on PayPal installment orders

• Full refund: PayPal cancels your remaining installments and refunds any payments already made to your PayPal account or linked payment method.
• Partial refund: PayPal may recalculate your remaining installment schedule. You will receive an updated schedule in your PayPal account.
• Processing time: up to 10 business days.

Need help?

Contact PayPal directly. Back Market does not have access to PayPal installment approval decisions or payment schedules.

Oney

Who is Oney and how does it work?

Oney is a French payment provider that lets you split your purchase into interest-free installments. Depending on the plan, you spread your payments over several months with no additional cost.
 

Eligibility

• You must be domiciled in France or Spain (depending on the plan).
• You must use a French or Spanish bank card (Visa or Mastercard). Cards not accepted: Maestro, Electron, American Express, e-card, virtual cards.
• Your card must remain valid for at least 2 months past the final installment date.
• You must have the full order amount available on your account at the time of purchase, even though only the first installment is charged immediately.
• The seller must have activated installment payments for the product.

Refunds on Oney orders

• Installments already paid are refunded to the bank account used for the purchase.
• Future installments are canceled.
• Processing time: up to 10 business days.
• In rare cases, Oney may debit the next installment before the cancellation takes effect. If this happens, the extra amount is refunded automatically within a few days.

Trouble with Oney?

Do not retry a failed Oney payment repeatedly. Each attempt creates a pre-authorization hold on your account (typically released within 6–21 days depending on your bank) and may lower your chances of approval on future attempts.

If your payment is declined or you experience an issue with your installment schedule, contact Oney directly.

Affirm

Who is Affirm and how does it work?

Affirm is a US-based lender that lets you finance your purchase over 3, 6, 12, or 18 months. Unlike other BNPL options on Back Market, Affirm is a loan product with interest.

• Interest rates range from 10% to 36% APR, depending on Affirm's assessment of your credit profile.
• Your total cost (principal + interest) and monthly payment amount are shown before you confirm.
• There are no hidden fees and no late fees.

Eligibility

• Available in the United States only.
• You must be 18 or older (19 in Nebraska if a ward of the state).
• A US-registered phone number and the last 4 digits of your Social Security number are required for identity verification.
• Affirm runs a soft credit check that does not affect your credit score. Approval is not guaranteed.

Refunds on Affirm orders

• If your order is fully refunded, Affirm cancels your loan. Any installments already paid are refunded to your bank account.
• Interest already paid is not refundable.
• If your order is partially refunded, Affirm recalculates your remaining loan balance and installment schedule. You will receive an updated schedule by email.
• Processing time: 3–10 business days.

Need help?

Contact Affirm directly. Back Market does not have access to Affirm loan decisions or payment schedules.

Phone number: 855-423-3729

Clearpay

Who is Clearpay and how does it work?

Clearpay lets UK customers split their purchase into 4 equal installments over 6 weeks, interest-free. The first installment is charged at purchase. The remaining three are automatically debited from your card every two weeks.

Eligibility

• Available in the UK only.
• You must create or log in to a Clearpay account at checkout.
• Clearpay runs its own electronic verification and approval process. If you are declined, contact Clearpay directly or choose another payment method.

Refunds on Clearpay orders

• Back Market processes the refund first. The refund is then reflected in your Clearpay account.
• Installments already paid are refunded to the card used for payments (up to 10 business days).
• Future installments are canceled.
• If Back Market issues a refund directly to your card or wallet instead of through Clearpay, you must still pay your remaining Clearpay installments separately.

Need help?

Contact Clearpay directly. Back Market does not have access to Clearpay payment information.

Scalapay

Who is Scalapay and how does it work?

Scalapay lets Italian customers split their purchase into 3 monthly installments, interest-free. No paperwork is required. The first installment is charged at purchase. The remaining two are automatically debited monthly.

Eligibility

• Available in Italy only. You must be domiciled in Italy and the delivery address must be in Italy.
• You must use an Italian bank card (credit or debit). Cards not accepted: Electron, Maestro, American Express, e-card.
• Your card must remain valid for at least 2 months past the final installment date.
• You must have the full order amount available on your account at the time of purchase, even though only the first installment is charged immediately.
• The seller must have activated installment payments for the product.

Refunds on Scalapay orders

• Installments already paid are refunded to the bank account used for the purchase.
• Future installments are canceled.
• Processing time: up to 10 business days.
• In rare cases, Scalapay may debit the next installment before the cancellation takes effect. If this happens, the extra amount is refunded automatically within a few days.

Need help?

Contact Scalapay directly. Back Market does not have access to Scalapay approval decisions.

Afterpay

Who is Afterpay and how does it work?

Afterpay lets Australian customers split their purchase into 4 equal installments over 6 weeks, interest-free. The first installment (25%) is charged at purchase. The remaining three are automatically debited from your card every two weeks.

Eligibility

• Available in Australia only.
• Afterpay runs its own electronic verification and approval process.
• New customers have a spending cap of AUD 600. You can still purchase above the cap by paying the difference upfront in the first installment.
• Approval is not guaranteed. If declined, contact Afterpay directly or choose another payment method.

Refunds on Afterpay orders

• Back Market processes the refund first.
• If all installments have been paid: Afterpay refunds you directly (up to 10 business days).
• If installments are still outstanding: Back Market refunds the full amount, but you must continue paying your remaining Afterpay installments until the refund is applied to your Afterpay account.

Need help?

Contact Afterpay directly. Back Market does not have access to Afterpay payment information.