Making premium living accessible: LuxStyle’s BNPL journey with Onside

“Hi! I’m Emma Cartwright, E-commerce Director at LuxStyle. We are a luxury lifestyle brand that offers timeless home decor, furniture, and lifestyle products. With over 50 stores in Europe and a robust online presence, we help our customers create beautiful and loving homes.

Recently, we faced a challenge: how could we make our premium products more accessible while staying true to our brand? Here’s how partnering with Onside’s BNPL solution allowed us to do just that — and more.”

Emma Cartwright
E-commerce Director at LuxStyle

The Challenge: Bridging Accessibility and Quality

For years, our business has been built on providing high-quality products, but we knew our pricing sometimes made potential customers pause. Our average basket value — ranging from €500to €700 — was a significant investment. Some customers hesitated, especially when exploring aspirational pieces like luxury sofas or designer dining sets. At the same time, we noticed a shift in shopping behaviours. Customers were asking for flexible payment options. Not having a BNPL option was starting to hurt us.

Finding the Right Partner: Why Onside?

After exploring several options, we chose Onside’s BNPL solution as it met both our technical and customer-focused needs:

• Customer-Friendly Features:
  Payment plans from 3 to 12 months made larger purchases feel achievable, without putting too much strain on our customers’ budgets;

• Effortless Integration:
  Onside’s widgets made adding the option to our website seamless, while also catering to our physical stores with QR codes;

• Transparency:
  Clear breakdowns of payments and interest built trust, especially among new customers hesitant to try something unfamiliar.

The Journey: From Idea to Full Implementation

1. Understanding what our customers need
   We began by identifying what matters most to our customers. Simplicity, transparency and affordability emerged as key priorities. We collaborated with Onside's team to ensure their BNPL solution met these criteria effectively.

2. Bringing flexibility to life
   We added BNPL options directly to our website’s product pages. For example, when browsing a €900 armchair, customers could instantly see, "Pay €75 per month over 12 months." This feature wasn’t just about numbers—it made a dream purchase feel within reach.

3. Listening and improving
   Before going all-in, we ran a two-week pilot. Customers loved the idea, but some feedback led us to refine how we presented payment plans, especially in-store. Once we were confident,we rolled out BNPL across all channels.

The Results: Real Stories Behind the Numbers

• Helping Customers Say “Yes”
  Prior to Onside, numerous shoppers sought high-ticket items but often hesitated at the checkout stage. We discovered something remarkable with BNPL: customers who had previously abandoned their shopping carts were now completing their purchases. One customer shared: “That oak dining set I’d been eyeing for months finally felt doable. Splitting payments over a year made it an easy choice.”
• Enabling Dreams
  Our average order value jumped by 25%, from €600 to €750. Why? Because customers were no longer compromising. Instead of settling for the budget-friendly sofa, they were choosing the premium leather one they really wanted.
• Building Loyalty
  The story didn’t end with one purchase. 40% of customers who used BNPL returned within three months. One couple told us:“We began with a living room set, and the payment plan was so convenient that we decided to purchase bedroom furniture as well.”
• Breaking Down Barriers
  Cart abandonment dropped by 20%. Customers told us the flexibility removed the guilt of spending so much at once.

Why Onside Was the Perfect Partner

Onside didn’t just offer a payment solution — they offered a way to strengthen our relationship with customers. By demonstrating that we understood their requirements and making high-end products seem accessible, we went beyond being just a retailer. We became a dependable ally in their homes and lives.

What’s Next for LuxStyle?

This is just the beginning. We’re exploring ways to:

• Offer interest-free instalments during key sales events like Black Friday;
• Personalise payment plans based on purchase history, creating an even more tailored experience;
• Expand BNPL to our newer markets in Asia, where demand for premium living is growing.

By collaborating with Onside, we have revolutionized the concept of accessibility for a high-end retailer. Together, we are demonstrating that luxury and affordability can coexist seamlessly.