Built for the lender, not the shopper
BNPL software lives at the intersection of merchant integration and consumer credit risk. This page is about what the platform does for the lender or merchant running the programme, not an explainer of instalment shopping for consumers.
Embedded at checkout
The application and scoring step integrate directly into a merchant’s checkout via the API, rather than redirecting the customer to a separate application flow. Plan structures (3, 6, 12-pay, or custom) are configured per merchant or per plan.
Scoring at the point of sale
The same solvency assessment engine used across the platform runs at checkout, with decisioning fast enough to fit inside a purchase flow rather than introducing a delay that costs the merchant the sale.
Collections, structured rather than improvised
Missed payments are handled through a defined workflow rather than case-by-case judgment calls:
- Collections strategy - a defined approach rather than reactive follow-up.
- Interest restructuring - terms can be adjusted for a borrower at risk of default rather than defaulting straight to write-off.
- Payment promise tracking - commitments made through messaging channels are logged against the account.
- Customer history at hand - prior payment behaviour informs how a collections conversation is handled.
- Structured communication - consistent scripts and templates across the collections team.
- Debt classification - accounts are categorised by amount, duration, or other criteria to prioritise effort.
Settlement without manual reconciliation
Once a transaction is approved, settlement to the merchant runs automatically, removing the manual reconciliation step that would otherwise sit between approval and payout.