BNPL messaging absent from product pages for products over $100
Affirm, Klarna, and Shop Pay Instalments are conversion drivers for US products priced above approximately $100. Buyers who see "4 interest-free payments of $32.50" on a $130 product make a different add-to-cart decision than buyers who see only the full price. When BNPL is available at checkout but not displayed on the product page, the instalment framing — which reduces perceived price — is invisible during the moment of add-to-cart decision. Heatmap data on US product pages shows that buyers at this price point engage with the price area of the page for longer before deciding, which is the precise moment BNPL messaging intercepts a hesitation that would otherwise produce abandonment.