BNPL Multi-Bank • Bureau-Integrated • Compliant

Buy Now, Pay Later — financed responsibly, under your brand

Offer instant installment plans at checkout via a multi-bank gateway and consumer-finance rails, with AI-assisted credit allocation, Credit Bureau integration, KPI alerts, and full regulatory compliance.

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BNPL Preview

Multi-bank offers → Instant approval → Checkout → KPI alerts.

Offer

Terms & Split

Decision

AI Allocation

Checkout

One-tap

Monitor

KPIs & Alerts

See the flow

BNPL Flow & Modules

A modular stack that spans merchant plug-ins, lender gateway, decisioning, compliance, and monitoring — deployable on private or public cloud with microservice architecture.

Merchant Integration

Plugins & Payment Gateway

Checkout widgets Pay-by-Link SoftPOS/Virtual POS

Quick merchant onboarding with dashboards; supports card networks and alternative payments — fully compatible with loyalty integrations.

Docs

Multi-Bank Gateway

Consumer finance & FIs

Lender routing BaaS rails Offer optimization

Orchestrate offers across a platform-owned consumer finance company and partner banks; present the best term/limit instantly.

Credit Decisioning

AI-assisted allocation

Bureau integrated Policy & limits KPI alerts

Leverage bureau data and AI models for credit allocation; enforce lender policy and track real-time KPIs with automated alerts.

Compliance & Ops

Regulatory workflows

Legal & contracts Agency systems Collections & fraud

Built for regulatory compliance and back-office processes (chargeback, fraud, legal follow-up) with integrations to mandated systems.

Wallet & Loyalty

eXtra Limit & rewards

Cashback/discounts Tied campaigns QR & in-app

Combine BNPL with loyalty: present “eXtra Limit”, personalized offers, and instant redemption to increase repeat spend.

Cloud-Native Scale

Microservices & BaaS

API-first Modular High throughput

Digital banking/consumer-finance capabilities on a secure, flexible BaaS platform — OS/DB independent, private or public cloud.

Why Choose Our BNPL?

360° Solution

From lender gateway to ops, we cover allocation, contracts, compliance and monitoring end-to-end.

Bureau & Agency Integration

Connected to Credit Bureau and mandated agency systems to keep decisions consistent and compliant.

AI Credit Allocation

AI-assisted credit allocation modules to improve approval quality and loss outcomes.

Real-Time KPIs & Alerts

Track portfolio and operational KPIs with automated notifications for threshold breaches.

Built for Regulation

Legal/contract handling and follow-ups in full compliance with local regulation.

Loyalty Synergy

Combine BNPL with loyalty (e.g., eXtra Limit) to lift conversion and repeat spend.

Frequently Asked Questions

We route applications across a multi-bank gateway (including a consumer finance entity) and apply policy rules with AI-assisted credit allocation, using bureau data and mandated agency checks where applicable.

Legal documentation, contract follow-ups, and regulatory reporting are embedded. Back-office flows (fraud, chargeback, collections) are part of the platform operating model.

Yes — plug-ins and gateway APIs connect your checkout, while loyalty hooks enable offers, cashback/discounts, and “eXtra Limit”-style experiences to increase conversion and retention.

Real-time KPI dashboards with alerts for volumes, approval rates, default metrics, and operational SLAs help you act quickly and keep risk within appetite.