Instant Offers
Eligible plans shown in real time at the checkout.
Lending
Buy Now, Pay Later
We build Buy Now Pay Later platforms that offer instant, transparent instalment options at checkout, with real-time eligibility, clear schedules and automated repayment collection.
- Instant eligibility at checkout
- Transparent instalment plans
- Merchant and consumer apps
- Automated repayment collection
Overview
Instalments Without the Friction
BNPL wins when the offer appears at the right moment and the terms are clear. We build the checkout widget that shows an instant, eligible plan and the engine that decides it in real time.
Behind the button sits the full lifecycle, eligibility scoring, plan creation, repayment schedules and automated collection, with dashboards for both the merchant and the consumer.
What you get
- Checkout eligibility widget
- Real-time scoring and limits
- Instalment plan creation
- Repayment schedules and mandates
- Automated collection and retries
- Merchant and consumer dashboards
The Whole BNPL Lifecycle
From the offer at checkout to the last instalment collected, with nothing left manual.
Scoring
Risk and limit decisioning tuned to your appetite.
Plans
Pay-in-3, pay-in-4 or custom instalment structures.
Auto-collect
Mandates and retries so repayments run themselves.
Merchant Portal
Settlements, refunds and performance in one view.
Consumer App
Plans, due dates and payments in the customer's hands.
Our Delivery Process
Four disciplined stages, a fixed milestone plan, and staging you can watch from day one.
Discovery
Requirements, compliance scope, target users and the metrics that define success.
Architecture
A secure, scalable architecture, the integrations mapped and a fixed milestone plan.
Build & Integrate
Built in two-week sprints, wired to your payment and banking rails, tested on live staging.
Launch & Support
Security hardening, zero-downtime go-live, source and IP handover, then ongoing support.
The Fintech Toolkit
Scoring
Checkout SDK
Mandates
Rules Engine
APIs
Analytics
BNPL Questions
Yes. We provide a lightweight checkout widget and SDK that drops into web and app checkouts and shows eligible plans instantly.
A real-time scoring engine uses your rules and risk appetite, with optional bureau and alternate-data signals, to set limits per customer.
That depends on your model. We build for lender-funded, merchant-funded or partner-funded BNPL and wire settlement accordingly.
Through mandates and automated retries, with reminders and a clear schedule shown to the customer, so collection is hands-off.
Ready to build in fintech?
Tell us your product idea and your compliance needs. We come back with an architecture, a milestone plan and a fixed number.
- Free consultation
- NDA signed upfront
- Fixed milestone pricing