KalplexFamiliar for invoice buyers
In Germany, Austria and the Netherlands, paying after delivery is a habit. Keep it — just collected automatically.
Pay later checkoutEarly access
Offer the payment method your shoppers already expect — pay after delivery — without handing the customer, the margin or the regulatory risk to a third party.
Four steps from checkout to cash, all run in your name.
- 01
Shopper chooses “Pay within 30 days”
The option appears in your checkout next to cards and wallets — only for orders your risk rules allow.
- 02
They sign a SEPA Core e-mandate
A short, hosted step captures IBAN, name and consent, with timestamped evidence stored against your creditor ID.
- 03
You ship as usual
Kalplex schedules the debit for day 30 and sends the shopper a pre-notification with the amount and date.
- 04
The debit runs on day 30
GoCardless collects the payment and pays it out to your bank account. Returns start automatic follow-up.
No sign-up for the shopper
No new account, app or credit check with a third party. One mandate, under your shop's name.
Your brand on the statement
The debit shows your creditor name, so shoppers recognise it and don't dispute it out of confusion.
Clear dates up front
Shoppers see the exact debit date at checkout and again in the pre-notification email.
Works with your returns flow
Cancel or reduce a scheduled debit when goods come back, before it's ever collected.
One rail for everything
The same mandate can be reused for the shopper's next pay-later order, with no extra signing.
Keep the margin BNPL providers take
Third-party pay later costs you a percentage of every order and puts another company between you and your customer. With Kalplex you pay a subscription and a small fee per collected order, and the relationship stays yours.
What stays with you:
- The customer relationship and data
- Your checkout conversion
- Control over who gets pay later
The trade-off, stated plainly
With merchant-run pay later, the payment risk is yours — as it already is when you send a plain invoice. Kalplex reduces it with risk controls and dunning, but never takes it over: buying your receivables would turn the option into regulated credit.
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