The First-Ever Play Now, Pay Later for Gaming

How Merso Is Unlocking a New Era of Game Revenue

Flexible payments are a proven GMV multiplier. Merso brings that power to gaming—purpose-built for digital goods, from $2 consumables to $1,000 premium assets.

What Merso Does

Merso’s model is deceptively simple but architecturally ambitious: let players purchase in-game items immediately and split the cost into manageable payments—while the studio receives the full amount upfront. It sits alongside existing payment methods as an additional option at checkout. For players, it removes the psychological barrier of a lump-sum purchase. For developers, it transforms browsing intent into completed transactions. This isn’t layaway. It’s instant gratification paired with financial flexibility—a combination that reshapes how live-service economies operate from the inside out.

It works at every price point. A $5 skin pack and a $1,000 legendary weapon both benefit from the same mechanic: lower the perceived cost at checkout, and more players convert. Basket sizes grow because players add items they would have skipped. Purchasing power doubles because the upfront barrier disappears.

The result: studios capture demand that already exists but was previously unreachable.

Why It Outperforms Traditional BNPL

Traditional BNPL is a credit product—it works, but it introduces friction that kills conversion in digital goods: sign-up flows, KYC checks, credit underwriting, and soft declines. Merso’s LTO model eliminates all of it. No new account. No credit check. No approval logic. Players choose their payment plan inside the native checkout in one click.

Entitlement enforcement replaces debt collection: access continues while payments are made. If payments stop, the license expires. No debt, no collections—just clean commerce. And because Merso operates at the edge of Web2 and Web3, it supports both credit card and crypto rails. Players are never blocked by the form in which they hold value.

The Numbers That Matter

Studios integrating Merso’s LTO model are seeing measurable, auditable results across every core metric in the purchase funnel:

These metrics are split into two auditable buckets: transaction-level data from Merso logs (GMV, AOV, completion rates) and merchant analytics (conversion rates, checkout drop-off, adoption share). Everything is verifiable from existing data infrastructure.

“Flexible payments are a proven GMV multiplier. Merso applies that principle in a way that is structurally better suited to digital goods—removing credit, friction, and exclusion while preserving the conversion lift.”

Built for Every Item, Every Price Point

Merso isn’t limited to high-ticket premium items. The LTO model works across the entire in-game catalog—consumables, season passes, cosmetic bundles, and rare collectibles alike. Flexible payments change the buyer’s mental accounting: players evaluate the periodic payment rather than the full price, making even mid-tier items feel more accessible.

This is especially powerful for seasonal or time-limited assets, where urgency and fixed availability combine with flexible payments to unlock purchases that would otherwise require discounting. Studios maintain price integrity while converting more players. The effect compounds: larger baskets, higher-tier selections, and repeat purchasing behavior that feeds long-term retention.

The Bigger Picture

Merso doesn’t replace existing payment methods—it’s an additional option that sits alongside them. Players who want to pay in full still can. But for those who would have abandoned checkout, Merso converts that lost intent into revenue. It applies proven flexible payment principles in a way that is structurally better suited to digital goods. By removing credit, friction, and exclusion—while preserving payment flexibility—Merso enables platforms to capture demand that already exists but was previously unreachable. That is where the GMV increase comes from.