# Post-Purchase Payment Features Swipe to Finance is an Option for Paying Over Time After Checkout By Laura McQuarrie | Published 2026-02-04 | Business Source: Trend Hunter, https://www.trendhunter.com/trends/swipe-to-finance References: [finovate](https://finovate.com/onepay-expands-klarna-partnership-with-post-purchase-payments/) & [prnewswire](https://www.prnewswire.com/news-releases/flexibility-even-after-youve-paid-onepay-introduces-swipe-to-finance-powered-by-klarna-302665917.html)  [Walmart](https://www.trendhunter.com/trends/klarna-6)-owned digital banking platform OnePay is expanding its partnership with global digital bank and flexible payments provider [Klarna](https://www.trendhunter.com/trends/klarna-card) to launch Swipe to Finance, a new feature that lets eligible customers convert debit card purchases into post-transaction installment payment plans. This new OnePay Later option is coming soon to allow OnePay [Cash](https://www.trendhunter.com/trends/cash-app-wand) customers the ability to pay over time, simply and transparently, after checkout, right from within the OnePay app. Buy-now-pay-later services have evolved from a convenient checkout feature as customers seek greater financial flexibility to manage their varied expenses. Post-purchase payment options have emerged as a strategic tool for smarter money management, and as OnePay outlined in the press release for Swipe to Finance, powered by Klarna, "Sometimes the timing is wrong, not the purchase." ## Trend Insights (Trend Hunter) - Score: 6.2/10 - Popularity: 58% | Activity: 65% | Freshness: 64% - Audience gender: 50% men, 50% women - Primary generations: Millennial - Top markets: North America ## Categories [Trend Hunter](https://www.trendhunter.com/trends) > [Business](https://www.trendhunter.com/business) > [New Ventures](https://www.trendhunter.com/newventures) ## Key Themes ### What Makes This Trend Stand Out - **Post-purchase Installment Plans:** Shifting financial behaviors are leading to a surge in demand for flexible post-purchase installment plans that enable consumers to manage expenses more strategically. - **Evolving Buy-now-pay-later Services:** The trend of transforming buy-now-pay-later services into post-purchase payment options highlights an expansion in their utility beyond traditional point-of-sale scenarios. - **Integrated Digital Banking Solutions:** Emerging integrated digital banking solutions are redefining customer engagement by offering seamless experiences such as converting purchases into financeable installments. ### Sectors Adopting This - **Fintech:** The fintech industry is at the forefront of developing innovative payment solutions that allow for greater consumer control over personal finances through post-purchase options. - **Retail Banking:** Retail banking stands to benefit immensely as digital integrations within banking apps cater to consumer demands for transparent and flexible payment management. - **E-commerce:** With the rise of adaptable payment solutions, e-commerce platforms are poised to integrate more versatile financial tools to enhance consumer purchasing power and satisfaction. ## Related on Trend Hunter - [Y2K Shopping Campaigns](https://www.trendhunter.com/trends/thats-smoooth.md) - [BNPL Mobile Phone Services](https://www.trendhunter.com/trends/klarna-mobile-service.md) - [Flexible Flight Payment Partnerships](https://www.trendhunter.com/trends/klarna-and-qatar-airways.md) - [Valentine's Day Computer Promotions](https://www.trendhunter.com/trends/acemagic-valentines-day.md) - [Expanded Purchase Financing Tools](https://www.trendhunter.com/trends/klarna-6.md) - [Personal Shopping Assistants](https://www.trendhunter.com/trends/ask-klarna.md) - [Expanded Cross-Border Payments](https://www.trendhunter.com/trends/visa.md) - [Rewarding BNPL Memberships](https://www.trendhunter.com/trends/klarna-memberships.md) - [Y2K Shopping Pop-Ups](https://www.trendhunter.com/trends/house-of-y2k.md)