BNPL as a Service

"Seamless integration. Increased customer loyalty. Unlock new revenue streams with flexible payment options."

Transform how your bank offers credit with a white-label BNPL solution that combines ease of use, scalability, and security. Our BNPL software helps banks unlock new revenue streams and improve customer retention by offering flexible payment options that meet modern consumer expectations.

50%

of consumers prefer BNPL for large purchases

40%

would use BNPL if offered by their primary bank

$680B

BNPL is expected to generate $680 billion in transaction value by 2025

Why is BNPL Crucial for Banks?

Today’s consumers demand more flexible payment options. BNPL solutions are essential for banks and payment processors looking to stay competitive in a rapidly evolving financial landscape.

Consumer Expectations

Customers are shifting away from traditional revolving credit and favor installment-based payments like BNPL, which provide more control and predictability.

Revenue Opportunities

Banks can capture new revenue streams by offering white-label BNPL solutions that integrate seamlessly into their existing product portfolios.

Competitive Pressure

Fintechs are aggressively entering the BNPL space, but banks have the advantage of lower costs of capital, regulatory expertise, and customer trust.

Trusted By

Issuing Banks: Flexible BNPL at Checkout

Issuing banks can offer bank-funded BNPL directly at the point of sale without the need for payment terminal integration. This flexibility allows issuing banks to deliver seamless BNPL solutions that extend credit directly to consumers, regardless of the merchant’s payment infrastructure.

Bank-Funded Flexibility

BNPL options are available to customers for online and in-store purchases, giving issuing banks the ability to offer installment credit without relying on merchant capabilities.

Increase Credit Utilization

By integrating BNPL with existing credit card products, issuing banks can boost credit utilization, increase transaction volumes, and drive higher customer loyalty.

Retain Full Control

Issuing banks maintain control over the BNPL process, ensuring compliance, risk management, and a consistent user experience.

Acquiring Banks: Drive BNPL Adoption at the Point of Sale

Acquiring banks have a unique opportunity to control the point-of-sale (POS) environment and drive BNPL adoption through merchant-funded BNPL offers. By integrating BNPL into payment terminals and checkout systems, acquiring banks can create new revenue streams and offer flexible payment options directly to consumers at the point of sale.

Merchant-Funded Offers

Acquiring banks can work with merchants to push BNPL offers directly onto payment terminals, increasing adoption and providing customers with the flexibility they want.

Enhance Merchant Relationships

By offering BNPL as part of a merchant’s payment solution, acquiring banks can deepen relationships with merchants and drive sales by offering consumers more ways to pay.

New Revenue Streams

Acquiring banks earn from processing fees and merchant partnerships, while increasing their market share through innovative BNPL offers at checkout.

Faster, More Flexible Payments for Higher Customer Retention

Our white-label BNPL solution empowers banks to offer flexible, secure payment plans that drive customer loyalty, increase revenue, and reduce fraud risk. By delivering fast approvals and seamless integrations, we help banks meet modern consumer demands while scaling their operations efficiently.

Unlock New Revenue

Earn both payment processing and interest revenue by offering flexible, end-to-end BNPL solutions.

Beat the Incumbents

Leverage the power of bank cost of capital and regulatory expertise

Enhance Customer Satisfaction

Offer frictionless, personalized BNPL experiences that strengthen customer loyalty and increase engagement.

Transform Your Lending: How Our BNPL Solution Works

Our white-label BNPL software is designed to help banks and payment processors deploy flexible payment solutions quickly and securely. Here’s how our solution can transform your credit offerings:

Real-Time Identity Verification

Leverage AI-driven identity checks and fraud detection at the point of sale, ensuring faster approvals and reducing risk.

AI-Powered Credit Assessment

Automate the credit assessment process with real-time data to deliver instant, accurate credit decisions while minimizing defaults.

Scalable, White-Label Solutions

Customize and brand your BNPL offering to integrate seamlessly with your existing banking products.

Data Enrichment for Risk Management

Use enriched data to highlight potential risks and flag high-risk consumers, allowing your team to focus on the most critical cases.

Ready to Drive Growth with BNPL?

Request a demo today to see how our white-label BNPL solution can help your bank or payment processor capture new revenue, improve customer retention, and stay competitive in the growing BNPL market.