BNPL Alternative for U.S. Merchants: How Multiple Check Premium Works
Buy Now, Pay Later (BNPL) services like Klarna and Afterpay have gained popularity because they let customers split purchases into smaller payments. While these programs work for some buyers, they are not the only way to offer pay-over-time flexibility.
CrossCheck’s Multiple Check Premium gives customers more time to pay using paper checks instead of credit cards or loans, backed by a payment guarantee that ensures merchants get paid in full.
How Multiple Check Premium Works
With Multiple Check Premium, customers write up to four checks at the time of purchase, all dated the same day. The merchant deposits the first check immediately and the remaining checks on the agreed upon schedule. CrossCheck guarantees every payment, so merchants are covered even if a check is returned.
This pay-over-time option allows buyers to spread out their payments without applying for credit, taking on debt, or impacting their credit score. For merchants, it offers the benefits of BNPL without lender fees, financing requirements, or credit approvals.
Why Merchants Use Multiple Check Premium as a BNPL Alternative
While BNPL services have strong consumer appeal, they are typically tied to credit or debit cards and may involve lender approval. Multiple Check Premium offers an alternative that:
- Works for customers who prefer to pay by check
- Avoids interest, fees, and credit applications
- Protects merchants with guaranteed payment
- Keeps payment processing entirely in the merchant’s control
- Appeals to buyers who may not qualify for traditional BNPL programs
BNPL vs Multiple Check Premium
BNPL has its place in retail, but it is not the only way to provide customers with flexible payment options. Multiple Check Premium offers a simple, guaranteed, interest-free alternative that keeps transactions under the merchant’s control while helping customers pay over time.
Ready to see how Multiple Check Premium can work for your business?
We help merchants in automotive, retail, home services, veterinary and more offer customers more time to pay while guaranteeing every transaction.
Contact CrossCheck today to learn how this BNPL alternative can protect your revenue and keep sales moving forward.
