Buy Now Pay Later Without the 5% Fee: How Super Credit Gives UK Businesses a Competitive Edge
Jun 30, 2025
Super Thinking
Introduction
Buy Now Pay Later (BNPL) has exploded across the UK ecommerce landscape. It drives higher conversion rates, bigger basket sizes and improved customer experience. But there’s a catch for merchants — most BNPL providers charge up to 5% per transaction.
Super Credit changes that. It's a Buy Now Pay Later option with zero cost to the business — and that’s a game-changer for your margins.
Why UK Businesses Love BNPL
BNPL isn’t just for fashion or millennials. It’s now used across:
Electronics
Beauty and skincare
Home goods
Health and wellness
Professional services
And it works. Studies show BNPL can:
Boost conversion rates by up to 30%
Increase average order value by 20–50%
Reduce cart abandonment
But at what cost?
The Problem: BNPL Fees Are Eating Your Margin
Here’s what most UK BNPL providers charge:
Klarna: Up to 5.4% per transaction
Clearpay: 4–6% on average
PayPal Pay Later: Around 2.9% + 30p plus a BNPL surcharge
For businesses with tight margins, that’s painful. You're getting the sale — but losing a big slice of the profit.
The Super Credit Advantage
Super Credit offers BNPL with:
0% cost to the business
Instant approval and frictionless checkout
Full upfront payment to the merchant
No hidden fees or ongoing charges
That means:
You still get the benefit of BNPL
Your customer pays in instalments
You keep the full sale value
💡 Example: Sell a £500 item
Klarna charges 5% = £25 fee
With Super Credit = £0 fee
You keep all £500
Real Value for UK Merchants
Whether you're running a Shopify store, selling direct-to-consumer, or offering services online, Super Credit lets you:
Offer flexible payments to customers
Compete with major retailers using Klarna or Clearpay
Protect your margins — especially on high-ticket items
Conclusion
BNPL is no longer a luxury — it’s a competitive necessity. But it shouldn't come at the cost of your profit.
Super Credit gives UK businesses the power of Buy Now Pay Later without the 5% fee. Offer more, earn more and grow faster — all while keeping 100% of your sale.
Would you like this blog paired with a landing page concept, BNPL comparison chart, or email campaign to help merchants understand and promote the offer?
Dan Ferner, Growth
June 30, 2025
Super Thinking
