Do you see Buy Now Pay Later as just another payment method — or as a powerful growth lever for your store?
As more and more retailers embrace consumer financing, the reality is clear: the solution you choose, the technology behind it, and the way it’s implemented can make a massive difference in performance. In 2025, Smart BNPL is setting the standard, while outdated financing models fall behind.
Whether in-store or online, successful sales today rely on more than just good products — they require a frictionless customer journey. And in that journey, the checkout has become a strategic touchpoint: a moment where smart payment options like BNPL can boost conversions… or, if poorly handled, cause cart abandonment.
Smart BNPL: A Take from a Financing Expert
“A great Buy Now Pay Later solution doesn’t compete with credit cards — it completes them.” — Stéphane Touboul
So what if Buy Now Pay Later wasn’t just a payment method — but a real growth engine embedded into your checkout strategy?
As installment plans offer consumers flexible ways to manage their payments, the credit experience itself becomes part of the broader purchase journey. That’s why the technology, the flow, and the level of personalization all matter in modern consumer financing. At checkout, seamless multi-lender funnels and tailored financing options are no longer nice-to-haves — they’re essential.
When done right, BNPL doesn’t just convert more sales. It also builds trust, improves customer loyalty and CLV, and encourages repeat purchases.
In this expert video series, Stéphane Touboul (CEO, WeGetFinancing) breaks down the mindset, tools, and innovations behind a Smart BNPL approach — one that improves approvals, enhances customer satisfaction, and powers retail growth.
Why Smart BNPL Is Changing the Game
Forget the basic “pay in 3” model — today’s BNPL is a strategic tool for retail growth. From embedded financing flows to full credit spectrum approvals, modern Buy Now Pay Later reshapes the checkout experience — helping merchants close more sales, serve more customers, and increase long-term loyalty.
Financing in the U.S. remains a fragmented, complex landscape — and when it comes to Buy Now Pay Later and POS loans, one size rarely fits all. While many single-lender providers still benefit from default trust, key differences between legacy models and today’s smart, gateway-based BNPL solutions can greatly impact your business success. Here’s why understanding that difference matters.
Smart Consumer Financing: What a Multi-Lender Strategy Unlocks
Improve Approvals, No Friction

Serve more customers — even with low credit
Credit decisions, optimized on the spot.
Reduce Cart Abandonment

Convert hesitant buyers at checkout
Keep carts alive with smart options..
Offer Flexibility
in Real Time

Let buyers choose their best payment plan
Multiple lenders, maximum trust.
Boost AOV
& Lifetime Loyalty

Financing becomes part of the experience
When financing fits, customers return.
What You’ll Learn in the Series
This 5-part video series delivers short, expert-led episodes covering:
Episode 01 – BNPL vs Credit Cards
Why merchants shouldn’t pick sides, and how both can work together to increase conversions.
Episode 02 – The U.S. BNPL Market Opportunity
The latest data and merchant adoption trends in a $1.3B+ consumer financing market.
Episode 03 – How to Choose the Right Financing Partner
What really matters when embedding financing into your checkout flow.
Episode 04 – One Gateway, Many Lenders
How the WeGetFinancing model improves approval rates by routing requests smartly.
Episode 05 – What’s Coming for Retail
Forecasts for the next 6 months and why tech flexibility is key to staying competitive.
Who Is This Video Series For
- Retailers (ecommerce or in-store)
- CFOs and Marketing leads looking to improve conversion
- Platforms or integrators building checkout flows
- Any merchant looking to serve more customers with smarter payment options
Smart BNPL = Better Business Outcomes
Based on WeGetFinancing’s years of experience in online lending and installment solutions, this video series offers a clear and concise breakdown of what modern consumer financing should look like — and how to turn it into a competitive advantage.
In a landscape where outdated single-lender flows and rigid approvals still slow down growth, modern financing strategies are redefining how merchants convert and retain customers.
Ready to Go Further with Smart Financing?
Explore our expert content — from Smart BNPL strategies to tax resolution financing. Whether you’re starting out or scaling up, these insights help you optimize checkout and build long-term customer loyalty.
👉 Rewatch Series 1, introduction to Consumer Financing
👉 Discover Series 2 on Tax Resolution

The WeGetFinancing Editorial Team
Expert insights on BNPL, consumer financing, and retention strategies.