# Does Terminal support buy now, pay later (BNPL) payment methods?

Terminal supports Affirm, Afterpay, and Clearpay. Each provider issues virtual contactless cards that customers add to mobile wallets such as Apple Pay or Google Pay. You need to onboard with each provider before accepting these payments.
Klarna doesn't support payments through Stripe Terminal.
## Affirm
**Availability**: United States and Canada
To offer customised pay-over-time options to buyers, enable Affirm in the **Buy Now, Pay Later** [Payment Methods](https://dashboard.stripe.com/settings/payment_methods) section of your Stripe Dashboard.
You can accept Affirm on Stripe Terminal in two ways:
### Affirm via QR code
Stripe Terminal smart readers (Stripe Reader S700/S710, BBPOS WisePOS E) can display a QR code for Affirm payments. Users can capture QR code for Affirm payments through a mobile reader (BBPOS WisePad 3, Stripe Reader M2) by displaying the QR code on their integration from their point-of-sale device.
Customers scan this QR code with their mobile device to complete their payment directly with Affirm, offering a more integrated checkout experience.
**Stripe recommends this approach for an integrated experience**. To get started:
1. Enable Affirm in the Buy Now, Pay Later Payment Methods section of your Stripe Dashboard.
1. Your integration needs to specify Affirm as a payment method when creating payments for Terminal. This ensures the QR code option appears on the reader. You can offer Affirm alongside card payments or as a standalone option.
1. After a customer authenticates with Affirm on their device, they're redirected. You can specify a custom return URL for this redirect within your payment processing configuration.
Payments made with this QR code method require the reader to have a network connection. Offline mode isn't supported for QR code payments. To test this flow, you can use a physical reader in your sandbox environment. Scanning the QR code leads to an Affirm-hosted sandbox page or a Stripe-hosted test page to simulate the transaction. 
For more details on the customer experience and promoting Affirm in your store, refer to [Affirm's training resources](https://businesshub.affirm.com/hc/en-us/articles/30660865631892-Stripe-User-Affirm-Resources). This QR code method is designed for a more direct integration with Affirm. Unlike Affirm Anywhere, using Affirm branding and discussing Affirm in your store is generally part of this integrated experience, subject to your agreement with Affirm and Stripe.
### Affirm Anywhere
Affirm Anywhere generates a single-use virtual card in the Affirm app that customers can use to pay at any eligible merchant's business. As long as you don't sell products or services listed in [Affirm's Prohibited Business Policy](https://cdn-assets.affirm.com/docs/pdf/Prohibited%20Business%20Policy.pdf), consumers can use Affirm virtual cards at your business. Cardholders load the Affirm card into their mobile wallets and check out without any integration work required from you.
With this path, you won't have a relationship with Affirm, and you can't use Affirm branding or discuss Affirm in your store. The virtual card is processed like a normal Visa credit card or debit card, and interchange or similar debit or credit processing fees apply.
Visit the [Affirm help centre](https://businesshub.affirm.com/hc/en-us/articles/8827378684820-Ways-Your-Customers-Can-Use-Affirm-Affirm-Anywhere-Virtual-Cards-) for more information and an example customer flow.
## Afterpay/Clearpay
**Availability:** the United States, Canada, the United Kingdom, Australia and New Zealand.
Afterpay/Clearpay work with Stripe Terminal through their virtual contactless cards, which customers add to Apple Pay or Google Pay. The QR code payment method described for Affirm isn't available for Afterpay/Clearpay.
### Sign up for an account
If you don't already have an Afterpay account, you need to create one through the [Merchant Onboarding Portal](https://get.afterpay.com).
### Enable Terminal devices
Once you've signed up for an Afterpay Merchant account, you receive an email with the title "Afterpay Card is ready for you to set up" with instructions on completing a test transaction. The transaction details provide Afterpay with all the information about your business that they need.
If your business has multiple locations, or if you don't want to do the test transaction, you need to submit the following information:
* Store name
* Address
* Afterpay Merchant ID
* Scheme name
* Acquirer MID
You can obtain the Scheme name and Acquirer MID directly from Stripe:
* **Scheme name**: The [statement descriptor](https://stripe.com/docs/account/statement-descriptors) for your Stripe account, including the prefix and suffix, serves as the Scheme name.
* **Acquirer MID**: Stripe Support can provide this. [Contact Stripe](https://support.stripe.com/contact) and explain that you need to provide your MID to Afterpay to onboard.
  * For Connect Accounts, this is the Connect Account MID and not the Platform MID.
Respond to the automated email titled "Afterpay Card is ready for you to set up" with all of the above information.
From there, Afterpay can enable your Stripe Terminal for Afterpay Card transactions.
### Troubleshooting
If customers experience in-person declines when using their Afterpay Card, check that your MID is still enabled correctly. You can use this [Formstack](https://afterpay.formstack.com/forms/global_merchant_technical_support) for post-onboarding issues or to update your setup. For individual declines, refer your customers to Afterpay's in-app Help.