Your best feature is a footnote.
Buy now, pay later pays your merchants in full, upfront, and lets you carry the risk. But that promise lives on your pricing page, not in the product, so a nervous shop owner never leans in.
I’m Carl. I run Sunday, product design for fintech, ex-Swedbank. I kept circling this one, so I designed my take. It’s live, just below.
The concept, running
It’s live. Open any split for the detail.
How I’d make BNPL a yes.
I mapped what keeps a small merchant from switching Buy Now, Pay Later on. It comes down to three fears: do I get paid, what if they don’t pay, is it worth the cut. Paypercut already answers all three. You just don’t show it. So I designed the screen that does.
Four decisions, and why:
€65,520
€18,200 more than last month
I led with the money
A shop owner doesn’t think in “orchestration.” They think did this earn me anything. So the screen opens with BNPL’s growth, in euros, not a feature list.
€210.00
Paid in fullSettled to you upfront, today. Maria repays Paypercut over time — never you.
I made the upfront payout impossible to miss
Your best promise is that the merchant is paid in full, today, while the customer pays you back over time. I turned that from a pricing line into the first thing they see.
Behind, but your €460 was settled in full and stays yours.
I designed the part everyone hides
The fear that keeps BNPL switched off is “what if they don’t pay.” So I showed the scary case head-on: a customer falls behind, and the merchant’s money is already banked and untouchable.
+64% larger basket
I proved it grows the basket
BNPL’s upside is bigger orders. I made it provable on every sale: this basket against the card-only average, the lift right there.
Anyone can add a Pay-in-3 button. The work is making a nervous merchant trust it.
A bit about me.
I’m Carl. I run Sunday, a product-design studio for fintech. Before this, Swedbank, one of the Nordics’ largest banks. I work embedded, like part of the team, from first research to the final interface. No handoffs.
I built this from the outside, on your checkout and your positioning alone. No access to your data, no brief. With your real merchants and numbers behind it, it gets a lot sharper.
“He champions user-centered design without ever losing sight of how it drives real business outcomes. That balance is rare.”
Joackim Zwahlen — UX Lead, Swedbank
That’s the idea.
I made this because the problem stuck with me. If it’s useful, grab 30 minutes below and I’ll show you where I’d take it next. If you want it real, a two-week sprint makes this screen production-ready with your data. If not, no hard feelings. I’ll be watching what you build either way.