Financial flexibility is moving past the checkout page. OnePay — a fintech majority-owned by Walmart — has partnered with Klarna to launch Swipe to Finance.
The feature lets eligible OnePay Cash customers convert recent debit purchases into payment plans after a transaction has been completed. The service, set to roll out in the coming months, operates entirely within the OnePay app. The offering addresses a common consumer pain point: purchases that make sense until bank balances are checked, or a fixed cost is direct-debited.
Rather than requiring users to preemptively opt into installment payments during checkout, Swipe to Finance allows them to retroactively split costs into fixed-term plans. OnePay's Thomas Hoare framed the feature as a response to financial timing mismatches: "Not every purchase comes at the right time," he noted, emphasizing the company's focus on delivering flexibility through transparency and in-app simplicity.
TREND BITE
Post-purchase financing reflects a broader shift in how consumers expect to manage money — not as a series of isolated transactions, but as an ongoing negotiation with their cash flow. As financial stress persists and spending patterns remain unpredictable, tools that offer retroactive control are becoming table stakes. Brands that embed flexibility after the sale aren't necessarily accommodating buyer's remorse; they're acknowledging that financial certainty is increasingly elusive. How could your brand extend financial empathy beyond the checkout?
