What is your best practice for displaying buy now, pay later messaging in‑cart to reduce sticker shock on high‑AOV items? Which placement, copy, or AOV threshold has performed best for you?

Best practice used: We show BNPL only after the cart crosses a clear AOV threshold and place it directly under the order total, not near the primary CTA. Exact execution: Threshold: $300+ Placement: directly beneath Total, above Checkout Copy: As low as $58/month with instant approval Measured impact: This reduced checkout abandonment by 19 percent on high AOV carts and increased completed checkouts without lowering AOV. Showing BNPL too early trained shoppers to anchor on monthly pricing and delayed commitment. Waiting until intent was proven reframed BNPL as a reassurance tool, not a pricing distraction. The under total placement worked best because it softened sticker shock at the precise decision moment without competing with the checkout action. Albert Richer, Founder, WhatAreTheBest.com.