Business Impact Calculator
Estimate the additional revenue BNPLX can unlock in your checkout — from a higher BNPL approval rate or fewer cart abandonments. Enter your own numbers; the starting values are conservative benchmarks.
Your metrics
Additional revenue / year
€536,250
- Net gain after BNPL fee
- €522,844
- Additional orders / year
- +11,917
- New approval rate
- 93.0%
Assumption: 1 pp higher approval rate ≈ 1% more BNPL revenue, minus the substitution rate. The BNPL fee is applied to the incremental revenue. Starting values are conservative benchmarks from comparable shops — illustrative assumptions, not a guaranteed result.
How the calculation works.
BNPL revenue today
Annual revenue × the share of revenue your buyers already pay via Buy Now, Pay Later.
Incremental revenue
BNPL revenue × the improvement in percentage points (higher approval rate or fewer abandonments) × (1 − substitution rate). Buyers who would have paid another way anyway are not counted.
Net gain
Incremental revenue minus the BNPL fee (disagio) charged by the provider. Additional orders = incremental revenue ÷ average cart value.
Why the approval rate matters now
Under CCD2, BNPL providers must assess creditworthiness more strictly from 20 November 2026 — approval rates are likely to fall. A second eligible provider after a decline is how BNPLX protects your approval rate.
See BNPLX in your checkout.
30 minutes, your shop system, your markets. We’ll walk you through provider choice, the second choice after a decline and the consent log on a sandbox checkout.