Back to Resource Center
How BNPL powers omnichannel retail (and what most providers get wrong)
November 20, 2025
Across the market, retailers have spent years perfecting seamless shopping across stores, apps, and websites. But there’s a blind spot: payments. Nearly 74% of shoppers cancel their purchase, often simply because their payment experience (PX) didn’t meet their needs, whether that meant limited flexibility, missing options, or too much friction at checkout. And without a buy now, pay later (BNPL) strategy that works everywhere your customers shop, your checkout is still the weakest link.
Deliver omnichannel payments that actually drive impact
Your payment strategy shouldn't lag behind your company’s omnichannel efforts. Most BNPL solutions were designed for point-of-sale integration at checkout, and not for the dynamic, omnichannel buyer journey.
Zip helps merchants deliver flexible payment experiences across every channel. With robust tools and integrations, businesses can embed Zip’s payment options throughout their entire business ecosystem, creating a seamless journey for shoppers whether they start online, browse via an app, or at the counter. When flexible payments are available, customers can choose to shop, retailers can reduce friction, recover abandoned purchases, and build stronger loyalty.
Ultimately, if a BNPL solution is not available in your store, in your app, and on your website, it’s not a payment strategy. It’s just a button at checkout.
Create a seamless omnichannel BNPL
Picture this: a customer can pay with flexibility, wherever they are*, and it feels completely effortless. The right BNPL solution is like having a helpful assistant that’s always there.
Here’s what a seamless, shopper-centric BNPL experience looks like across all your channels:
In-store options that engage at the physical point of sale: Think of signs on your door and checkout counters that let customers know they can pay on their own terms. It’s a simple, friendly nudge that reminds shoppers that flexibility is part of the experience.
In-app experiences that are smooth and native: A good BNPL solution should be a seamless part of your app, not an annoying redirect. Customers should be able to apply for and, if approved, use BNPL services directly within your app.
Online tools that capture every opportunity: A great BNPL business partner ensures that you don't lose a sale on higher-ticket items or even everyday essentials. It's about giving shoppers a clear "split into payments" option right on the product page
A truly comprehensive approach to BNPL ensures consistent branding and a smooth user experience across every single touchpoint, from the door to the shopping cart, and beyond.
Strengthen your strategy with the right BNPL partner
Merchants can gain a powerful competitive advantage for their business by choosing a buy now, pay later app with cross-channel capabilities. With a suite of tools that most providers don’t offer, Zip ensures flexible installment payments are woven into every part of your customers' journey, whether they shop online, in-store, or in-app.
The Zip business platform stands apart with:
Online and express checkout: With BNPL checkout, shoppers skip unnecessary steps and go straight to buying, delivering seamless checkout solutions that drive conversion.
Mobile SDKs for embedded in-app checkout: Customers can apply and use flexible payments without ever being redirected away. Pre-built code simplifies integration for your team.
Virtual and physical Zip Card: Provide flexibility across channels with installment options, whether shopping online or in your physical store. Customers simply tap to pay with their virtual card through Apple Pay or Google Pay, so they don't have to carry a physical credit card if they don’t want to.3
In-store signage kit for awareness and education: Make it clear to shoppers that flexible payment options are available from the moment they enter your store.
Single merchant portal for support, transactions, and reporting: Say goodbye to "multi-tool sprawl" with unified market reporting, reconciliation, and statements all in place, with direct access to merchant resources.
Seamless integrations across channels: Connect quickly across your tech stack, from digital financing platforms to in-store payment systems. Flexible BNPL options include low-code, no-code, and plugins online, plus POS-agnostic enablement that removes the need for hardware updates in stores.
Fast onboarding and next-day settlement: Implement quickly and access your funds without delay, with as little as next-day settlement via Stripe if you choose API integration.
See how GameStop achieved a 196% increase in BNPL transaction volume, doubled its average order value, and drove $1.35M+ in transactions by offering Zip.
Power growth with smarter payments
Omnichannel shoppers deserve payment experiences that match their journey. Zip helps make that possible across every channel.
To stay competitive in today’s market, it’s essential for companies to evaluate their BNPL providers not only on an express checkout but on their ability to support customers throughout the full purchasing experience. A modern Buy Now Pay Later platform like Zip is built to help ensure flexible installments and payments are visible across every touchpoint, from online and in-app to in-store. By aligning BNPL services with the buyer journey, this strategic approach can drive measurable growth, improve financing accessibility for shoppers, and increase average order value.
With Zip, merchants can go live in as little as one quarter, bringing flexible payments to every channel faster than ever.
Talk to our sales team today to see how Zip can help you capture more revenue, grow average order value, and deliver the seamless omnichannel experience your shoppers expect.
Eligibility criteria apply. See payment terms: Zip Loan Terms of Service | Zip. * Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. Loans through Zip are originated by WebBank. Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. Zip Card can only be used for US, in-store purchases. Certain merchant, product, goods, and service restrictions apply"