Optty is an independent and payment provider-agnostic global Buy Now Pay Later (BNPL) integration. Certified with 45 global BNPL providers, across 59 countries and in 36 currencies, Optty gives you access to over 185 integrations.
Optty’s mission is to supercharge the performance of retailers by optimizing the shopping and checkout experience, giving customers more choice, and maximizing conversion rates.
Whether you are new to BNPL, looking to expand your BNPL operations across more partners and/or regions, or simply wanting to gain more control over your current BNPL operations — Optty fits your needs.
Requirements
- Store must be operating in a country supported by one of Optty's BNPL providers, but may be located anywhere in the world.
- Store must be transacting in one of Optty's supported currencies.
- Manage Payments and Manage Settings user permissions must be enabled.
Setup
If you do not currently have an Optty merchant account, sign up at Optty. After submitting the form, you'll receive your login credentials.
To set up Optty in the BigCommerce control panel, go to Store Setup › Payments and select Optty from the list of Online Payment Methods.
You will be taken to the Optty Settings tab. Enter the Client ID, Client Secret, and Client Hash credentials from your Optty merchant account into their corresponding fields and set your preferences. Click Enable to display your selected Buy Now Pay Later payment methods on the checkout. Click Save when done.
- Client ID — The client ID credentials provided by Optty.
- Client Secret — Used for authentication in Optty's API.
- Client Hash — Used to verify the notifications that BigCommerce receives from Optty.
- Display Name — Control how Optty's Buy Now Pay Later payment method will appear at checkout. We recommend something like Buy Now Pay Later.
- Test Mode — Determines whether your store is in Test Mode, which allows you to safely test your payment configuration without processing live transactions. Use the checkbox to toggle this setting for Optty's Buy Now Pay Later payment method. By default, this setting is enabled.
Ensure that Phone Number is a required field for checkout. As Optty requires the customer's phone number to process transactions, check that this field is set as required in your store. In the BigCommerce control panel, go to Settings › Account sign up form. Click on the Address Fields tab to confirm that Phone Number is set as a required field. For more information, see Adding and Editing Fields in the Account Signup Form.
To add BNPL payment providers, sign in to the Optty Retail Control Center (ORCC), then click Add New to select the BNPL provider you would like to offer on the checkout. See Optty's documentation for more information on adding and configuring BNPL providers. You can configure display rules such as minimum and maximum checkout values, and additional fees, and set checkout and product widget configurations for each BNPL provider. For more information, see Optty's setup videos.
Now that Optty is set up, how can I promote it on my storefront? By using the Optty BNPL Banners app, you can add banners to your product listing and product detail pages, as well as your footer for global messaging. The app includes full WYSIWYG widget customization control, allowing you to create banners that fit with your brand.
EGP, SAR, and AED Currencies
If you enable Optty for Egyptian Pound (EGP), Saudi Riyal (SAR), or United Arab Emirates Dirham (AED) currencies, you will have additional payment method options within the Optty Settings tab. Certain payment providers can be enabled independently of the providers enabled in the BNPL Management area of your Optty Retail Control Center (ORCC).
Paymob, Paytab, and Valu can be enabled separately for Egyptian Pound (EGP).
Tabby and Tamara can be enabled separately for United Arab Emirates Dirham (AED) and Saudi Riyal (SAR).
Once enabled, these providers appear as payment methods in addition to the Optty “Buy Now Pay Later” option on the payment step at checkout. Selecting any of these methods will redirect customers to Optty’s payment page; however, the page will be tailored to the specific method.
Common Questions
- Pricing and Fees
- Account Eligibility
- Transactions
- Refunds
- Additional Features
- Troubleshooting and Payment Disputes
Pricing and Fees
What fees are associated with Optty?
Optty requires no upfront fees, no lock-in contracts, and no management costs. With Optty, you can integrate with as many BNPL partners as you wish for free.
Optty is a success-based model. You will only pay for successful transactions and your commercial obligations with the Buy Now Pay Later providers. Some BNPL partners offer preferential pricing for Optty merchants, providing you with rates usually only available to Enterprise merchants. See Optty's Retail Merchant Plans for more information on their pricing model.
Account Eligibility
What currencies and countries does the payment gateway support?
Supported currencies and countries are dependent on the BNPL partner. See Optty's BNPL Directory for a list of countries and currencies. For a complete list of payment methods supported on BigCommerce, see Optty Payment Methods.
What items are restricted for merchants to sell?
Product restrictions are dependent on the BNPL provider.
Can I use the same Optty account for multiple storefronts?
Yes, the same account can be used for multi-currency stores. For stores using the same currency, Optty recommends using separate accounts.
Transactions
After I create an account, what is the waiting period before I can process transactions?
Optty production account credentials will be shared within 48 hours on a business day. The waiting period before processing transactions is dependent on Optty's BNPL partners for the activation of their respective merchant accounts.
How long until the funds are transferred to my bank?
Optty isn’t involved in the funding process. Funding settlement is handled by the BNPL provider to the merchant.
Will I or my customers receive an additional email or invoice from Optty?
Optty will not send any emails or invoices to customers. Depending on the BNPL provider, there may or may not be additional emails sent.
Refunds
How soon after a transaction can I perform a refund?
Optty will send the refund request directly to the BNPL provider, and most providers will refund in real time. However, the reverse fund process is controlled by the BNPL provider.
Is there an amount of time after which I cannot perform a refund?
No, there is no limit.
Are there any fees for chargebacks or refunds?
Optty doesn’t charge fees for refunds. Most BNPL providers take the chargeback liability, but it will be dependent on the agreement between the merchant and the BNPL provider.
Additional Features
Are there any fraud filtering options available?
Optty does not reject or decline any transactions. Fraud control is the responsibility of the BNPL provider.
Does Optty allow authorize-only or recurring/subscription payments?
No, all transactions are authorize and capture. Recurring and subscription transactions are not supported.
Does Optty support multicurrency? (supported by BigCommerce multicurrency)
Yes, as long as merchants have the currencies enabled in both the Optty Retail Control Center (ORCC) and the BNPL provider account.
Does it support cryptocurrency?
Not at the moment, but Optty does have plans to expand the possibility to accept cryptocurrency in future.
Troubleshooting and Payment Disputes
Why did my shopper receive an error when trying to pay?
Declined reasons can vary, depending on the BNPL provider. Shoppers can reach out to the provider directly for more information on the payment decline.
For any other errors, reach out to Optty's technical support team for further investigation.
How are payment disputes handled?
The dispute process is handled between the merchant and the BNPL provider.
How do I contact Optty’s support team?
Optty offers 24/7 support. Reach out to Optty's technical support team for any tech inquiries.
