BNPL

BNPL is a zero-interest financing solution that allows customers to defer payment for the purchase of goods or services made either at physical points of sale or online through affiliated ecommerce platforms.

Within this model, the merchant offers a deferred payment option to the end customer and, at the same time, transfers the resulting commercial receivable to a financial intermediary.

In exchange for the acquisition of the receivable, the financial intermediary applies a commission to the merchant, which may be settled through different mechanisms, such as direct deduction from the settlement amount or separate invoicing at a later stage. The credit generated by the transaction is immediately assigned by the retailer to the financial institution, which subsequently manages the ongoing relationship with the customer.

The module provides an API-based architecture designed to support integration with both smart and traditional POS devices. It also includes a sophisticated commissioning framework and an advanced credit risk assessment process. The BNPL solution is fully integrated with front-end applications on one side and with Accounting, Regulatory Reporting, and Compliance systems on the other.