PNPL Payment
Play Now Pay Later - Allow users to spread payments over weekly installments.
Overview
PNPL (Play Now Pay Later) allows players to purchase items immediately and pay in weekly installments. This increases conversion rates by making high-value items more accessible.
How PNPL Works
A $50 item with PNPL: Player pays $25 upfront (50%) and receives the item immediately. The remaining $25 is charged in 4 weekly payments of $6.25 each.
Payment Overview
The PNPL system operates on a 50% upfront, 4-week payment plan structure where users pay half the item price immediately and the remaining balance over four weekly installments.
Item Selection
When a user decides to purchase an item using PNPL, they initiate the process by selecting the PNPL option in their game's marketplace. The user sees both regular purchase and PNPL options, allowing them to choose the payment method that best suits their needs.
Upfront Payment
Players pay 50% of the item price upfront, which is transferred directly to the MersoPNPL account. This upfront payment serves as the user's initial commitment to the purchase and demonstrates their intent to complete the transaction.
Protocol Payment to Game
Once the user's 50% payment is received, the protocol immediately pays the full item price to the game. This ensures the game company receives their full revenue upfront, eliminating any payment risk on their end.
Item Transfer
The item is transferred from the game company to the player.
Weekly Payment Processing
The remaining 50% of the item price is divided into four equal weekly payments of 12.5% each. These payments are processed automatically by the protocol at 7-day intervals, with no action required from the user.
Payment Schedule
| Payment | Timing | Amount |
|---|---|---|
| Initial Payment | At purchase | 50% of total |
| 2nd Payment | Week 1 | 12.5% of total |
| 3rd Payment | Week 2 | 12.5% of total |
| 4th Payment | Week 3 | 12.5% of total |
| 5th Payment | Week 4 | 12.5% of total |
Benefits
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Higher ConversionPlayers are more likely to purchase high-value items when they can pay over time.
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Instant DeliveryPlayers receive items immediately after the first payment.
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Automatic BillingSubsequent payments are charged automatically - no player action required.
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No Risk for CompaniesMerso handles all payment collection and default risk.
Default Handling
If a user fails to maintain sufficient balance for a weekly payment, the protocol implements a 3-try system with daily attempts. Each failed attempt triggers an email notification to the user. If after 3 attempts the user still hasn't provided sufficient funds, the protocol executes a default, notifying the company they must take action on it.
The entire payment flow is designed to be user-friendly and automated, requiring minimal user intervention while providing comprehensive communication throughout the process. This approach maximizes user adoption while ensuring the protocol's financial sustainability through clear default handling and risk management.
Payment Failure Process
If users don't pay their weekly portion, the protocol implements a 3-try system:
First payment attempt
User email notification
Second payment attempt
User email notification
Third payment attempt
User email notification
Default execution
Game notification