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.
Multi-bank offers → Instant approval → Checkout → KPI alerts.
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
Quick merchant onboarding with dashboards; supports card networks and alternative payments – fully compatible with loyalty integrations.
DocsMulti-Bank Gateway
Consumer finance & FIs
Orchestrate offers across a platform-owned consumer finance company and partner banks; present the best term/limit instantly.
Credit Decisioning
AI-assisted allocation
Leverage bureau data and AI models for credit allocation; enforce lender policy and track real-time KPIs with automated alerts.
Compliance & Ops
Regulatory workflows
Built for regulatory compliance and back-office processes (chargeback, fraud, legal follow-up) with integrations to mandated systems.
Wallet & Loyalty
eXtra Limit & rewards
Combine BNPL with loyalty: present “eXtra Limit”, personalized offers, and instant redemption to increase repeat spend.
Cloud-Native Scale
Microservices & BaaS
Digital banking/consumer-finance capabilities on a secure, flexible BaaS platform – OS/DB independent, private or public cloud.
From lender gateway to ops, we cover allocation, contracts, compliance and monitoring end-to-end.
Connected to Credit Bureau and mandated agency systems to keep decisions consistent and compliant.
AI-assisted credit allocation modules to improve approval quality and loss outcomes.
Track portfolio and operational KPIs with automated notifications for threshold breaches.
Legal/contract handling and follow-ups in full compliance with local regulation.
Combine BNPL with loyalty (e.g., eXtra Limit) to lift conversion and repeat spend.
Everything you need to know about Qarar’s Buy Now Pay Later decisioning.