A short series exploring the real numbers behind BNPL performance.
Hi everyone,
We’re excited to introduce a new short video series: BNPL Math. This series is designed to break down the numbers behind consumer financing performance in a simple, practical way.
Each episode highlights how small gaps in financing coverage can translate into real, measurable impact on revenue.
Why BNPL Math?
Most merchants already understand that financing can improve conversion and average order value. However, measuring its true performance is not always straightforward. The gap between customer applications, actual approvals, and commonly advertised approval rates can make it difficult to fully capture the real impact of financing
This is why many retailers still underestimate what happens when financing coverage is incomplete — whether due to approval gaps, mismatched profiles, or limited options at checkout.
These situations create what we call revenue leakage — missed opportunities that accumulate over time. To better understand these dynamics, you can simulate your revenue impact based on your own volumes and ticket sizes.
BNPL Math, Episode 1: The Hidden 5%
The first episode of this new series focuses on a simple but powerful idea:
Even a conservative 5% financing approval gap can make a meaningful difference in annual revenue.
The example used here is deliberately based on a modest volume: around 300 financed transactions per month. Yet even at this level, a 5% improvement in approval coverage can represent over $100,000 in additional revenue per year.
The point is not to present an extreme case, but to show how small approval gaps compound over time. As volume grows, so does the impact.
From Insight to Action
The BNPL Math series is not just about highlighting these gaps — it’s also designed to make them measurable.
Alongside this series, we developed a BNPL revenue calculator to help merchants translate these concepts into their own business reality.
The challenge is not just identifying inefficiencies, but understanding how they apply to your specific context. Each merchant operates with different approval rates, customer profiles, and ticket sizes.
A good way to understand the real impact is to run your own numbers and see how financing performance translates into revenue.
What’s Next
Over the coming weeks, new BNPL Math episodes will be released on the WeGetFinancing YouTube channel, each focusing on a key performance lever in consumer financing.
Topics will include approval coverage, customer segmentation, financing optimization, and conversion impact with a broader view of how these factors shape POS financing performance across industries.
Each episode is designed to stay simple, practical, and directly applicable.
The goal is simple: help merchants better understand and optimize their financing strategy through clear, data-driven insights.
Looking to optimize your BNPL performance? Our team is here to help.
The WeGetFinancing Editorial Team
Expert insights on BNPL, consumer financing, and retention strategies.
