Buy Now, Pay Later (BNPL) Overview

Ya'Mar offers eligible buyers access to Buy Now, Pay Later (BNPL) payment options through independent third-party financing providers. BNPL services allow eligible buyers to complete purchases immediately and repay the purchase amount over time according to the financing provider's terms and approval requirements.

Current BNPL providers available through Ya'Mar may include Klarna, Affirm, and Afterpay / Cash App Afterpay.

How BNPL Works

When available, buyers may select a BNPL provider during checkout.

The financing provider will review the transaction and determine eligibility based on its own approval criteria.

If approved, the buyer will receive financing terms, payment schedules, repayment obligations, and any applicable fees or interest charges directly from the financing provider.

Who Makes Financing Decisions?

All financing approvals, lending decisions, repayment schedules, interest rates, fees, credit reviews, identity verification requirements, and financing terms are determined solely by the financing provider.

Ya'Mar does not:

Approve or deny financing applications

Perform lending decisions

Determine repayment schedules

Set interest rates

Control financing eligibility

Guarantee approval

Interest Rates and Fees

Some BNPL options may be offered with interest-free installment plans, while others may include interest charges or financing fees. Terms vary by provider, purchase amount, repayment schedule, buyer eligibility, and applicable law.

Buyers should carefully review all financing disclosures before accepting a financing offer.

Returns and Refunds

If a purchase qualifies for a refund under Ya'Mar's policies, approved refunds are generally returned through the original payment method used during checkout. When a BNPL provider is used, refund processing and financing adjustments are handled by the applicable financing provider and may require additional processing time.

Important Notice

Ya'Mar is not a bank, lender, financing company, or financial institution. All financing products offered through Klarna, Affirm, Afterpay, Cash App Afterpay, or any future financing provider are governed solely by the applicable provider's terms, conditions, lending requirements, fees, and financing agreements. For financing-specific questions, buyers should contact the applicable financing provider directly.