How BNPL Works
Integrate once, get access to all relevant BNPL providers.
1. Analysis & Matching
We analyze your business model and match you with suitable BNPL providers from our network.
2. Integration
One technical integration gives you access to all BNPL partners. No multiple contracts or integrations.
3. Checkout & Routing
Your customers choose "Pay Later" at checkout. Automatic routing to the optimal provider based on creditworthiness and availability.
4. Settlement
You receive your money immediately. The BNPL provider assumes the risk and handles installment payments with the end customer.
Benefits for Merchants
Higher Conversion Rates
Up to 30% higher conversion through flexible payment options. Customers are more likely to buy when they can pay later.
Larger Basket Sizes
Average basket value increases by up to 45%, as customers can finance higher amounts.
Zero Risk for Merchants
BNPL provider assumes complete payment default risk. No chargebacks, no bad debt.
Immediate Payout
You receive your money immediately after purchase. No waiting for customer installments.
B2C and B2B Solutions
B2C - Consumers
Limits: €5,000 - €10,000
- Installment plans (3-36 months)
- Invoice payments
- Instant financing
Example providers: Klarna, Riverty, AVARDA, RatePay
B2B - Business Customers
Limits: €10,000 - €100,000+
- Invoice purchases (30-90 days)
- Flexible installments
- Leasing options
Example providers: Billie, Mondu, UNZER, Riverty B2B