# 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