BNPL & Credit Platform
A credit-based payment platform that enables merchants to offer instant checkout financing while connecting POS systems, issuing banks, and BNPL engines through a unified architecture.
Platform Architecture Overview
We provide a BNPL payment framework that connects merchant checkout systems, credit engines, and settlement infrastructure to deliver real-time approvals and installment-based payments.
Merchant POS Integration Layer
Payment Gateway Routing
BNPL Credit Engine
Issuer System Integration
Settlement & ReconciliationMerchant Layer
Gateway Engine
Credit Engine
Settlement Layer
End-to-End Platform Architecture
From merchant checkout to credit approval and settlement
Merchant Checkout Systems
Customers select BNPL at checkout while merchant POS systems capture transaction details and initiate payment requests.
Gateway Processing Layer
Routes transactions through rule-based logic that determines closed-loop or open-loop BNPL processing paths.
BNPL Credit Engine
Performs customer onboarding, KYC verification, credit decisioning, installment plan creation, and repayment management.
Issuer & Settlement Infrastructure
Handles authorization processing, credit ledger updates, billing generation, reconciliation, and merchant payout settlement.
Core Technical Capabilities
Key capabilities enabling BNPL payment processing
Merchant POS Integration
Supports BNPL payment selection, checkout flow alignment, cart parsing, amount capture, and transaction packaging.
Gateway Routing Engine
Manages closed-loop and open-loop routing logic, BNPL API orchestration, credential handling, and transaction status tracking.
BNPL Credit Engine
Handles customer enrollment, KYC verification, credit scoring, credit limit allocation, installment modeling, and repayment lifecycle management.
Open Loop Network Integration
Supports card-based BNPL processing across Visa, Mastercard, and domestic payment networks.
Issuer System Integration
Performs account validation, authorization decisioning, credit ledger updates, billing workflows, and dispute processing.
Settlement & UT Engine
Processes reconciliation across issuers, acquirers, and BNPL engines while managing payout schedules and financial reporting.
Extended BNPL Capabilities
Supporting modern credit payment ecosystems
Instant Checkout Credit
Installment Payment Plans
Merchant POS Integration
Card-Based BNPL
Credit Lifecycle Management
Real-Time Monitoring
Who Integrates With the Platform
Key stakeholders deploying BNPL payment infrastructure
Payment Service Providers
Offer BNPL across retail, ecommerce, and service merchant networks.
Acquiring Processors
Integrate BNPL modules into POS, SoftPOS, and ecommerce flows.
Issuing Banks
Provide credit lines, underwriting, and repayment management.
Fintech Providers
Deploy credit scoring engines and repayment management platforms.
Platform Facts
Key characteristics of the BNPL platform.
Hybrid Models
Supports both merchant-funded and card network–based BNPL flows.
End-to-End Lifecycle
Handles everything from KYC and scoring to installment management.
Integrated Settlement
Reconciles multiple transaction streams with automated reporting.
Deep Issuer Integration
Supports billing cycles, ledger updates, and dispute handling.
Low-Latency Decisions
Designed for deterministic and rapid credit evaluation.
Partner With Us
Customer Trust Built on Global Reach and Consistent Reliability
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