Buy Now Pay Later
Add installment payments to any checkout in one afternoon
BNPL platform lets merchants offer 4-pay and 6-pay installment options at checkout without building financing infrastructure. Powered by licensed lending partners so you never hold credit risk. Integrates with Shopify, WooCommerce, and custom checkouts via a JavaScript widget or REST API.
MRR
$14,320
+12% this month
Active
487
+23 this month
Churn
1.8%
-0.4% this month
$14K/mo
Verified revenue
73%
Choose annual
98.7%
Uptime SLA
<2min
Setup time
The Problem
Sound familiar?
Integrating Klarna or Afterpay requires months of merchant onboarding and revenue sharing above 6%
Building BNPL in-house means obtaining lending licenses in every market you operate
Existing BNPL providers decline merchants in high-risk verticals (electronics, travel, B2B)
The Solution
Buy Now Pay Later fixes this.
Installment Widget
Single JavaScript snippet adds "Pay in 4" or "Pay in 6" buttons to any product page or cart. Fully branded with your colors, no redirects.
Instant Credit Decisioning
Soft credit pull + alternative data model decisions in under 3 seconds. Approval rates 20% higher than bureau-only decisioning for your existing customer base.
Merchant Risk Management
You receive full purchase amount upfront (minus platform fee). Credit risk is held by the lending partner — you have zero exposure to consumer defaults.
How It Works
Set up in under 2 minutes. No complex configuration.
Installment Widget
Single JavaScript snippet adds "Pay in 4" or "Pay in 6" buttons to any product page or cart. Fully branded with your colors, no redirects.
Instant Credit Decisioning
Soft credit pull + alternative data model decisions in under 3 seconds. Approval rates 20% higher than bureau-only decisioning for your existing customer base.
Merchant Risk Management
You receive full purchase amount upfront (minus platform fee). Credit risk is held by the lending partner — you have zero exposure to consumer defaults.
Flexible Plan Configuration
Set your own plan structure: 0% APR promotional, interest-bearing, biweekly or monthly cadences, deferred payment options for B2B net-30 conversion.
Collections & Dispute Handling
Automated payment reminders, retry logic, and soft collections are handled on your behalf. Dispute escalation dashboard gives you visibility without operational burden.
Why not the alternatives?
Same result. A fraction of the price.
| Product | Price | Core feature |
|---|---|---|
| Buy Now Pay Later | $1000/mo | Add installment payments to any checkout in one afternoon |
| Enterprise tool | $149/mo | Overkill for most teams |
| DIY approach | 40+ hrs dev | High maintenance burden |
Integrates with your stack
Simple, Transparent Pricing
No per-user fees. No hidden costs. Cancel anytime.
Standard
- Up to $100K GMV/mo
- Installment widget
- Instant decisioning
- Full purchase upfront
- Shopify + WooCommerce
High Volume
- Up to $1M GMV/mo
- Custom plan configuration
- B2B net-30 conversion
- Dedicated risk analyst
- API + webhook access
- Priority support
Frequently Asked Questions
What is the platform fee per transaction?
Monthly base fee plus 2.9% of funded installment volume. No per-transaction fee on top. Compare to Klarna at 3.29% + $0.30 + monthly minimum.
Which verticals are accepted?
We accept most retail, electronics, health, education, and B2B verticals that Klarna and Afterpay decline. Gambling, firearms, and adult content are excluded.
How quickly do merchants receive funds?
Next business day ACH disbursement for all funded installment plans. Same-day disbursement available for High Volume merchants on request.
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