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A buy now pay later store takes orders without a card. Each checkout creates a quote and an order at the same time, and you collect the money from the quote whenever you are ready.

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1. Turn it on for the store

1

Open the store's settings

Go to Stores, open the store, and select Settings. The Participant settings card sits beside the form.
2

Switch on Buy now pay later

Turn on Buy now pay later. A store uses either this or Points system, so the other switch greys out.
3

Choose who gets billed

Billing contact is who receives every payment request from this store. Leave it empty to bill whoever checks out. Pick a contact when one person pays for everyone, such as an office manager ordering for staff or a team dealer billing parents later.Payment terms sets the due date on each pay-later quote: Due on receipt, Net 15, Net 30, Net 45 or Net 60. None leaves the due date off.
4

Save

Select Update store. The store’s card and the stores list now carry a Buy now pay later badge.

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2. What the customer does

Checkout asks How would you like to pay? with two choices, Buy now pay later and I’ll pay by card now.
Choosing to pay later leads to a short step with an optional Notes field, for a purchase order number or anything you should see, and an I’m authorized to place this order checkbox. Place order stays disabled until it is checked.
Placing the order lands the customer on their quote page. It confirms the order, shows their notes, and offers a download of the summary. Payments reads No payments due yet until you request one.

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3. What you get

Each pay-later checkout creates two things at once: In the quotes list the Source column names the store, and Billed to names who will receive payment requests. Both pages carry a Buy now pay later badge, and each links to the other.
The order behaves like any other. Fulfill it whenever you choose; nothing waits for payment.

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4. Request payment

Open the quote. The header shows the customer, the store, and who is billed. Billing contact in the Details card changes the payer for this quote only. Leave it blank to bill the customer.
1

Request from one quote

Select New payment request, then Card or Bank transfer. The billing contact receives an email with a link to pay. Cash or check records a payment you already have.
Bank transfer is offered to businesses in the United States.
2

Or request from several at once

In the quotes list, select the quotes. The toolbar shows Request payment, and Change billing contact when a pay-later quote is selected.
Request payment sends each selected quote one request for whatever it still owes. Check Request ACH payment instead of card to ask for a bank payment. Quotes already paid in full are skipped, and the dialog says so before you send.
3

Watch it settle

When the request is paid, the quote turns Paid and the order’s payment status follows. A card payment settles at once. A bank transfer shows Processing for a few business days first.
Refunds for a pay-later order are made from the quote’s Payments tab.
With QuickBooks connected, the sale posts under the billing contact, not the customer who checked out.