Strategy and Solutions
The client is a mid-market fashion retailer with a strong online presence and a rapidly growing customer base among millennials and Gen Z shoppers. Their catalog focused on premium apparel, footwear, and seasonal collections, with a significant portion of products priced above $200. While traffic and product interest were high, the retailer struggled to convert browsers into buyers for higher-value items.
Despite strong brand affinity, customers frequently abandoned carts at checkout when faced with full upfront payment. The retailer relied on standard Shopify checkout and third-party payment providers, which offered limited financing flexibility and little control over the user experience. To unlock growth, the retailer partnered with Zymr to implement a custom Buy Now, Pay Later (BNPL) solution tightly integrated into their Shopify ecosystem.
The retailer needed a seamless, brand-aligned BNPL experience that reduced purchase friction for high-value items, improved conversion at checkout, and increased average order value without introducing operational or credit risk.
Zymr’s discovery phase identified several interconnected issues affecting conversion, revenue, and customer experience.
Zymr helped the fashion retailer transform checkout friction into a competitive advantage. By embedding a custom BNPL solution directly into Shopify, the retailer unlocked higher conversions, larger basket sizes, and stronger engagement among younger shoppers—without adding operational complexity or financial risk.
Customers previously abandoning carts completed purchases once payment flexibility was introduced.
Shoppers were more comfortable purchasing higher-priced items when costs were spread over installments.
Premium product abandonment dropped sharply, directly impacting revenue.
Zymr designed and delivered a custom solution that balanced speed, scalability, and user experience by embedding BNPL capabilities directly into the Shopify checkout flow. The approach combined instant credit decisioning, flexible installment plans, and backend risk controls while ensuring seamless integration with the client’s existing commerce and fulfillment systems. Execution focused on rapid delivery, domain alignment, and experience-led design to compete effectively with aggregator platforms.
Integrated BNPL directly into Shopify checkout, enabling interest-free installments without third-party redirects.
Implemented instant eligibility checks with automated risk and fraud controls.
Deployed a cross-functional team experienced in food and retail e-commerce workflows.
Embedded engineers onsite to shorten feedback loops and accelerate delivery.
Designed the solution to work within existing system constraints while enabling scalability.
Enabled order history, quick reorders, and contextual recommendations.
Supported cards, wallets, and preferred local payment methods for frictionless checkout.
Zymr designed and implemented a custom BNPL solution embedded directly into the Shopify checkout flow, combining instant credit decisions, flexible payment plans, and backend risk controls.
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