Snow Team


Buy Now, Pay Later is Booming for Merchants and Affiliates

Changes in online shopping behavior led by millennials have fueled the rise of Buy Now, Pay Later (BNPL) solutions. 

BNPL is the modern version of layaway (sometimes called lay-buy) – well, sort of. Back in the day, many brick-and-mortar retailers would offer shoppers the ability to put some money down to hold an item and pay off the remaining balance on a designated schedule. Of course, this all came with fees.

BNPL lets online consumers break up the total price of an item into equal payments (often 2 or 4) when they are checking out. The consumer receives the item (unlike layaway where the total needed to be paid before the shopper was able to go home with the product) in exchange for being approved by the BNPL provider and agreeing to have their credit card automatically billed for the remaining installments. This typically occurs with 0% interest payments and no late fees or hidden fees. 

BNPL is set to account for 4.2% of all global e-commerce payments in 2024, according to a WorldPay Global Payments Report from January 2021. In 2019, the $60 billion BNPL market represented 2.6% of global e-commerce (excluding China); Worldpay estimates that it will grow at a compound growth rate (CAGR) of 28% annually to reach a staggering $166 billion by 2023.

Other estimates are even bigger. According to the report published by Allied Market Research, the global buy now pay later market generated $90.69 billion in 2020, and is projected to reach $3.98 trillion by 2030, witnessing a CAGR of 45.7% from 2021 to 2030.

WorldPay predicts that payments in North America will increase from 1.6% in 2020 to 4.5% in 2024.  The EMEA region (Europe, Middle East, Africa) represents the largest users of BNPL solutions globally, accounting for 7.4% of ecommerce payments by 2020 and increasing to 13.6% by the end of 2024. 

In the APAC region (Asia-Pacific), 0.6% of 2020 ecommerce payments are made using BNPL and will grow to 1.3% in 2024. While this number may not be the largest, it’s important to note the dominance of digital/mobile wallet payment options such as WeChat in China is set to account for 65.4% of all ecommerce payments in the region in 2024. However, BNPL methods will overtake pre-paid cards and deferred debit cards as a preferred option in APAC by 2024. 

BNPL Taking Affiliate Channel by Storm

Over the last decade, BNPL has garnered a very high-profile presence in the affiliate marketing space.

More publishers have landing pages devoted specifically to promoting merchants that offer BNPL options at checkout. Additionally, nearly all of the BNPL service providers themselves are also now affiliates. Most have marketplaces that typically include store listings and promotional offers. 

And some BNPL providers are adding a loyalty component. With the BNPL solution Klarna consumers have the choice to choose where they redeem points. Findings from a recent Worldpay from FIS survey show that  81% of global consumers stated they would like the ability to earn points and redeem those points at multiple types of retailers. 

Millennials Lead the Way 

For many, BNPL is an alternative to credit cards. It appeals to millennials who are turning to emerging finance and banking options (ditching credit cards) in order to avoid debt. According to a report by consulting firm Deloitte, only 1 in 3 millennials have a credit card.

And GenX is also embracing BNPL. This group has shown the need to be more financially savvy because of so many issues including caring for aging parents, still paying for their children’s expenses, student loan debt, credit card debit. Additionally this demographic has faced three market-correcting job industry downturns in the last 20 years.

BNPL Landscape

Affirm was among the first FinTech companies to offer BNPL. The space has several high-profile players including Klarna, Zip (previously named QuadPay), Sezzle, PerPay Splitit, AfterPay (recently bought by Square for $29 billion), and more.  PayPal has built its own in-house BNPL option, called Pay-In 4.

BNPL got even more legitimized in late August with two of the world’s biggest companies announcing partners with BN{L solution providers.

Amazon announced it was working with Affirm. Under the terms of the agreement, Amazon customers will now be able to split purchases over $50 into monthly payments. The offering is currently in test mode and will be rolled out more broadly in the next few months.

Apple also recently partnered with Affirm to bring its service to Canadian customers of the iPhone, iPad, and Mac and is also working on offering a similar payment option in the US, according to several reports.

BNPL and the Affiliate Channel

The service is gaining immense popularity with merchants. Many merchants claim that offering BNPL can lead to increased sales among those on a tight budget, shoppers hesitant to make a larger purchase, and those seeking alternative payment methods.

Here are some additional BNPL benefits for merchants:

  • Access highly engaged younger consumer demographics via mobile 
  • Users are loyal to their preferred BNPL partner (via shopping cart & app) and mostly shop exclusively via one BNPL service provider.
  • Users show a higher intent to purchase while using BNPL platforms.
  • 60% of customers are new to file (according to CJ Affiliate)
  • As users have more time to pay for items with a higher intent to purchase, there are 50% fewer returns. 
  • BNPL platforms take on any payment risks including possible payment delays or defaults.

And according to BNPL provider ZIP, having this option at checkout increases average-order-value (AOV) by 70% and repeat purchases by 80% compared to other payment options. CJ Affiliate estimates that AOV is increased by $375 when BNPL is used and can lead to increased conversions as they attract shoppers who might not purchase high ticket items otherwise and are also doing so without discounts.

For affiliates, there is a real opportunity to promote these brands and deliver a much-desired alternative way to pay for their respective audiences. Many affiliates are creating BNPL landing pages that feature all the merchants they work with that provide these different payment options. Anecdotally, a handful of affiliates we spoke with said that traffic to those BNPL pages is more than 5x other pages on their sites and on average accounts for nearly 60% of their monthly commissions. 

Get Healthier Skin for Years to Come with Land & Lore!


Land & Lore’s mission is to provide a straightforward, effective and simple solution for men’s skincare. Free from common toxic ingredients, Land & Lore cleanses, hydrates, heals and protects men’s skin and hair with key ingredients given to us by the land. Land & Lore has paired centuries of wisdom given by these ancient ingredients with modern technology to bring you powerful, yet gentle skincare products that are as natural as they are time-tested.

What Makes Land & Lore Unique?

  • Chemical & Cruelty Free Products Made with 100% Natural Ingredients
  • Proudly Made in the U.S.A.
  • Partners with Arbor Day Foundation to Plant a Tree with Every Product Sold.

Program Details

  • Commission Rate: 15%
  • 30-day cookie duration
  • $55 AOV

Join the Land & Lore Affiliate Program in ShareaSale today!

Take Your Fitness to the Next Level with Vanguard Styles!


Vanguard Styles are known for their high-quality active wear as well as other apparel made for performance without compromising style or comfort.

Each piece of Vanguard Styles apparel is carefully crafted to ensure peak performance with sophisticated and sleek designs, cutting-edge fabrics and seamless craftsmanship.

What Makes Vanguard Styles Unique?

  • Performance apparel that won’t break the bank.
  • Hand-selected materials to ensures both utility and style.
  • 30-day return guarantee

Program Details

  • Commission Rate: 10%
  • 30-day cookie duration
  • $40 AOV

Join the Vanguard Styles Affiliate Program in ShareaSale today!

Premium Jewels at an Affordable Price with Jewel Panda!


Jewel Panda’s focus is to bring flawless and timeless designs in jewelry to life. From finely crafted sterling silver to gems, pendants and charms, Jewel Panda delivers each piece of jewelry with the utmost care imaginable.

What Makes Jewel Panda Unique?

  • Jewelry is curated based on various trends.
  • Each piece of jewelry is packaged to make gift-giving a breeze.
  • Fast shipping worldwide.

Program Details

  • Commission: Up to 10%
  • 45-day cookie duration
  • $40 AOV

Join the Jewel Panda Affiliate Program in ShareaSale today!

Your New Ride or Dye is Here with Hally Hair!


Hally Hair was designed to provide a safer and more fun alternative to hair color! Hally Hair’s formula is gentle and will keep your hair nourished while delivering great color. Dubbed the “Color Cloud”, Hally’s foam format is also super easy to use and mess-free!

Hally Hair is an ammonia-free, demi-permanent color that is mixed with a gentle foaming developer. Hally’s Color Cloud dye is made with super-nourishing natural extracts like chamomile, lavender, ginseng and aloe. Available in several different fun shades, Hally Hair makes it the coolest (and safest) way to color your hair at home.

What Makes Hally Hair Unique?

  • Formulated with toxic-free ingredients
  • Vegan and cruelty-free
  • Demi-permanent color and washes out in 4-6 weeks

Program Details

  • Commission: Up to 15% for new customers and 10% payout on returning customers
  • 30-day cookie duration
  • Free shipping
  • $30 AOV

Join the Hally Hair Affiliate Program in ShareaSale today!

Halloween is a Harvest of Opportunity

With almost no one celebrating Halloween in 2020 (and Halloween falling on a Sunday this year), kids and adults are over the top excited for the event and preparing in advance to get their trick or treat on in a big way!

Halloween is the second-biggest spending holiday for retailers with US consumers typically spending $9 billion dollars on the holiday, according to the National Retail Federation. On average, Americans plan to spend $92.12 on Halloween decorations, costumes, candy, and other holiday essentials this year. Moreover, 58% of Americans reported they would celebrate Halloween this year, and 53% of Americans planned to decorate their homes.

Here are some of our great merchants that can help make Halloween a spooky celebration.

AMI Clubwear (CJSAS) is known as the place for sexy club apparel, shoes, and accessories for women of all ages. But they also have a great selection of fun and spicy costumes including, angels, devils, sailors, cheerleaders, celebrity outfits and so much more. And most come in a wide range of sizes to fit every woman.

Sometimes when dressing up for Halloween makeup is needed to complete the transformation. So, why not encourage your audience to get the best cosmetics that can be used beyond creating a look for a costume? Beautified You curates the best brands, and industry leaders, to deliver an easy, one-stop-shopping experience for cosmetics for skin, eyes, brows, lips, cheeks, and more.

Dressing up for Halloween is fun, but those with sensitive skin may be hesitant to use makeup as part of their costume. However, Juice Beauty has organic skincare formulations that perform better than conventional beauty products. Juice Beauty products are formulated with an antioxidant and vitamin-rich organic botanical juice base and include everything needed for a Halloween facial transformation and beyond.

It’s fun putting on makeup for a costume, but taking it off is often another story. Makeup Eraser (CJRak) makes it easy to remove all that face paint using only it’s 100% sustainable cloths and water.

If part of a costume requires changing up a hairstyle, then Hally Hair has demi-permanent hair dyes in fun colors. It’s the first ammonia-free foam hair dye and it’s PPD-free, Resorcinol-free, Paraben-free, Cruelty-free, and full of nourishing ingredients like chamomile, aloe vera, ginseng, and lavender.

Looking for a complete transformation into a totally different person? My Nice Wigs has premium options such as hair bundles, remy hair extensions, lace frontal wigs, and more. With a new do, your audience can be whoever they want for the dress-up day and easily create any look they desire.

Thinking about a western-themed outfit for Halloween?  Lane Boots offers designer-quality boots with western influences. Designed in Texas and hand-crafted by artisans, Lane Boots provides comfortable and stylish boots and booties.

Pulling off a costume means committing head to toe. And having the right footwear is easy with Lugz. They pride themselves on quality and supreme comfort. That also means these shoes will go the distance long after Halloween. Lugz offers a full range of stylish footwear for the entire family including its famous boots, casual, athletic, and canvas options.

Why not encourage your audience to get their pups in on the Halloween fun by getting them some skull leggings. Walkee Paws offers the first-ever stylish and comfortable leggings that protect dogs from germs, dirt, rain, snow, or whatever scary things they may come across.

Now it’s time to make sure that your business is making Halloween a treat and not a trick!

Empowering Women with Beautiful, Luxurious Yoga Apparel from KiraGrace


Join us as we celebrate women’s beauty, strength, and grace. Creators of elegant athletic wear, KiraGrace is 100% female-owned and committed to empowering women and giving back. We are experts at the delicate balance between fashion and function, offering timeless designs, luxurious quality, and a flawless fit.

All KiraGrace apparel is responsibly manufactured and made in the USA. Discover and grow in our wonderful world built on fashion, enriching personal connections and financial opportunity.

Yoga is a beautiful path to your subconscious where you can access your personal power and stay connected to your source. KiraGrace provides luxurious yoga clothing so you can experience the union of movement and breath while feeling lovely and feminine.

What Makes KiraGrace Unique?

  • 100% female-owned
  • Responsibly manufactured in the USA
  • Beautiful design, Luxurious fabric, and flawless fit.
  • Feminine, beautiful details and designed for high performance.

Program Details

  • Commission: 8%
  • 15-day cookie duration
  • Free shipping & easy returns

Join the KiraGrace Affiliate Program in ShareaSale today!

Introducing Tula Mics, a Small Microphone That Packs a Punch!


We are thrilled to introduce the Tula Mics affiliate program in ShareASale!

Tula Mics is proud to offer a convenient, yet portable solution whether you are podcasting, working from home, recording music or creating just about anything.

With its robust features, Tula Mics include a unique noise reduction system, headphone jack that doubles as an input for a lav mic as well as a USB microphone and mobile recorder. Tula Mics makes it simple for you to say that this is possibly the only mic you’ll ever need.

Tula Mics Affiliate Program Benefits and Features:

  • Commission Rate: 8%
  • 30-day cookie duration
  • $229 AOV
  • Dedicated Rewards Program

Join the Tula Mics Affiliate Program in ShareaSale today!

Enjoy Some Vitamin Sea with Salt Life!


We are thrilled to introduce the Salt Life affiliate program in Pepperjam!

Salt Life takes ocean wear to the next level with its signature logo, popular decals and unmatched selection of beachwear for men, women and children. Tailored to a lifestyle at sea, Salt Life is worn by professional and amateur sportsmen, fishermen, models and divers.

Salt Life takes pride in not only celebrating the ocean, but also protecting it. Through our Salt Life Gives Back initiative, we have joined with organizations that strive to protect the ocean and its inhabitants through conservation efforts, enforcement, reef creation, and sustainable programs. Through these efforts, we hope future generations will continue to Live the Salt Life and help protect the world’s oceans

Salt Life Affiliate Program Benefits and Features:

  • Commission Rate: 3%
  • 30-day cookie duration
  • $65 AOV
  • Dedicated Rewards Program

Join the Salt Life Affiliate Program in Pepperjam today!

Performance Never Felt So Good with Turq!


We are thrilled to introduce the Turq Affiliate Program in Share a Sale!

Turq is a unique collection of amphibious performance underwear engineered to keep active guys cool, dry and chafe-free. Turqs are designed for comfort and made for movement-the perfect base layer for any guy who sweats or gets wet.

What Makes Turq Unique?

We start with silver-infused, hydrophobic microfibers. Turqs are then seamlessly knit with a ventilated air-flow construction that provides a smooth, supportive fit and cool comfort all day.

We Offer Two Models:

  • Our FREESTYLE FIT styles offer a classic boxer brief styling as a foundation for any active lifestyle.
  • Our PARADISE POUCH® styles keep the boys supported and separated for friction free comfort.

Turq Affiliate Program Benefits and Features:

  • Commission Rate: 10%
  • 7-day cookie duration
  • $100 AOV
  • 100% satisfaction guarantee

Join the Turq Affiliate Program in Share a Sale today!