Buy Now Pay Later options like Klarna, Afterpay, and Clearpay carry merchant fees. On small orders, those fees can erode margin significantly — and BNPL on a £10 order rarely serves the customer in any meaningful way. The sensible approach: show BNPL only when the order value justifies it.
Why Hiding BNPL Below a Threshold Makes Sense
- Margin protection — BNPL merchant fees range from 2% to 6%; on a £12 order, that is £0.72 lost unnecessarily
- Customer clarity — a long list of payment methods on a small checkout is confusing, not helpful
- Compliance — some markets have guidelines around promoting credit products for small purchases
- Default experience — showing card and wallet first on small orders speeds up checkout
Setting a Cart Value Threshold for Klarna on Shopify
Install Paymod
Paymod supports cart-value-based payment rules. Install from the Shopify App Store.
Create a rule to hide BNPL below your threshold
Rule: Hide Klarna (and/or Afterpay, Clearpay) when cart total is less than £50 (or your chosen threshold). The payment method disappears from checkout for small carts and reappears automatically when the threshold is met.
Test both sides of the threshold
Add items totalling £45 and check that Klarna is hidden. Add items totalling £55 and confirm Klarna appears. The rule should switch cleanly at the threshold.
Combining with Other Conditions
You can refine further:
- Hide Klarna below £50 AND hide it for customers tagged ‘wholesale’ (B2B customers should not use consumer BNPL)
- Show Klarna only for specific product collections where large purchases are common
- Hide all BNPL options for digital products or gift cards (which BNPL providers often exclude anyway)
Frequently Asked Questions
Can I hide Klarna without disabling it for my entire store?
Yes. Paymod uses conditional visibility — Klarna stays enabled in your Shopify payments settings, but Paymod hides it at checkout for carts below your threshold. No changes to your Klarna account or contract are needed.
Does this affect my Klarna merchant agreement?
No. You are controlling visibility at the checkout UI level, not disabling the payment method. Your agreement with Klarna is unchanged.
What about Afterpay and Clearpay — can I hide those too?
Yes. Paymod works with any payment method enabled in your Shopify store, including all major BNPL providers.
Install Paymod to hide Klarna and BNPL options on Shopify for orders below your threshold.
