Instalments and pay later

Instalments are available on courses and on the private offers of an application.

1. 11. Open the product in Products, open Settings, click Offers and then New offer.
2. 22. Under Payment mode, choose Instalments.
3. 33. Type the Amount of each instalment in euros and the Number of instalments.
4. 44. Check the total shown below.
5. 55. Click Save offer.

Klarna pays the full amount and takes the risk of the buyer not paying them.

1. 11. In New offer, choose Pay later under Payment mode.
2. 22. Type the Price including VAT in euros.
3. 33. Under Klarna options, tick Pay in 3 instalments (€1 to €3,000), Pay in 30 days (up to €500) or both.
4. 44. Read the commission points your plan adds and click Save offer.

With your own instalments, the buyer pays the first one at checkout and OnBio charges the next ones every month until the number of instalments is complete. Each instalment appears in Sales as an order of its own with the type Instalment. With Klarna you receive the whole sale as a one-time payment.

• If an instalment fails, OnBio retries it for 7 days and tells the buyer with a link to change the card. If it is not charged, the plan becomes Defaulted and the access is suspended until the buyer pays the pending instalment.
• Bizum is not offered in your own instalments.
• Pay later is only available on products OnBio sells as the legal seller and that accept the one-time payment. The price has to fit Klarna's amounts for Spain.
• With Klarna, your plan adds commission points to each sale collected that way. The offer editor tells you how many before you save.