Top 50 Bnpl Platform in Africa

Happy Pay is a payment platform that allows consumers to split their purchases into two equal payments over their next paychecks, with no interest or deposit required. This service enhances merchant sales by increasing average basket sizes and customer conversion rates while contributing 1% of fees to environmental initiatives.

Payflex offers a flexible payment solution that allows consumers to make online and in-store purchases by paying only 25% upfront and the remaining balance in either three paydays or over six weeks, all interest-free. This service addresses the challenge of immediate cash flow constraints for shoppers while ensuring merchants receive full payment upfront.

valU is a fintech platform that offers buy now, pay later (BNPL) solutions with customizable financing plans for up to 60 months at over 6,000 retail locations and 1,500 online stores in the MENA region. The platform addresses the need for flexible payment options, enabling consumers to manage their purchases and cash flow effectively while also providing investment and savings solutions.

LipaLater is a lending marketplace that enables consumers to make postpaid purchases at e-commerce stores through flexible monthly installments, offering credit limits of up to KES 500,000. The platform addresses the challenge of immediate cash flow constraints by providing low-interest financing options for a wide range of retail products.

The startup offers an e-payment platform that enables merchants to provide customers with the option to split card payments into flexible, interest-free monthly installments. This functionality enhances transaction accessibility for consumers while improving cash flow for merchants.

The startup develops a financial application that provides users with access to credit products, discounts, and cashback rewards from partnered brands. This platform enables customers to easily obtain credit and reduce their purchase costs, addressing the need for accessible financial services and savings in everyday transactions.

Blnk offers a mobile application that provides instant consumer credit approval in minutes using only a National ID, enabling users to finance purchases directly at retail locations without the need for extensive documentation. This service addresses the lack of accessible financing options for consumers in Egypt by offering inclusive programs with no application fees and flexible repayment terms of up to 36 months.

MNT-Halan is a microfinance and digital payments platform that provides financial services to the unbanked and underbanked in Egypt, utilizing mobile wallets, virtual cards, and a Buy Now Pay Later (BNPL) system. The platform addresses the lack of access to traditional banking by offering quick loan disbursements and efficient payment solutions, facilitating financial inclusion for over 5 million clients.

Omnibiz is a B2B e-commerce platform that connects FMCG manufacturers, distributors, and retailers, facilitating efficient inventory restocking through a user-friendly app. The platform offers features like virtual payments and a "Buy More Pay Later" service, addressing cash flow challenges for retailers while providing access to a wide range of consumer goods.

BudPay provides a payment processing platform that integrates APIs for online transactions, recurring billing, and split payments across over 100 countries. The service enables businesses to streamline their payment operations, enhance customer experiences, and manage invoicing and bill payments efficiently.

The startup operates a retail application platform that integrates financial services to ensure a reliable supply of fast-moving consumer goods (FMCG) for retailers. By enabling digital ordering and expedited delivery, the platform enhances inventory management and fulfillment efficiency for retail stores.

The startup operates an e-commerce platform that enables businesses to sell fashion and beauty products without the need for inventory, allowing them to resell items like jewelry and makeup directly to clients. This model eliminates upfront stock costs and provides a straightforward way for businesses to increase their revenue through a diverse product offering at competitive prices.

NowNow is a digital banking platform that provides a suite of payment solutions, including mobile wallets and POS systems, enabling businesses to accept payments quickly and securely. The platform addresses the need for efficient financial transactions by offering instant payment alerts and multiple payment channels, enhancing cash flow for merchants of all sizes.

OneBlinc is an online lending platform that provides instant cash advances and innovative loan options specifically for public and health employees, as well as the general public. By offering tools like Blinc Advance and Blinc Boost, OneBlinc helps users manage unexpected expenses and build credit history, reducing reliance on traditional banking services.

Bankly is a digital banking platform that allows users to manage personal and business finances through a mobile app, offering features like bill payments, money transfers, and savings with a 12% annual interest rate. By enabling cash digitization via voucher top-ups and providing a seamless payment gateway, Bankly addresses the need for accessible financial services in Nigeria.

ShipBlu is an AI-powered shipping platform that offers 24-hour delivery with real-time tracking and automated billing, ensuring fast cash flow for e-commerce businesses. By providing precise delivery dates and seamless integration with existing systems, ShipBlu enhances the shipping experience while reducing operational complexities for online retailers.

VeendHQ provides an embedded finance platform that enables instant, collateral-free loans for individuals in Africa, facilitating quick access to funds for personal and business needs. The service streamlines the loan application process, allowing users to receive disbursements in under five minutes, thereby addressing the urgent financial requirements of salary earners and entrepreneurs.

Bamba is an Android application designed for micro-merchants in Africa, facilitating mobile payments and inventory management through a user-friendly interface. The platform addresses the challenges of financial inclusion and operational efficiency for small businesses, enabling them to transact and manage their resources effectively.

The startup offers a mobile-based microfinance platform that streamlines lending operations, underwriting, and loan servicing for businesses. By providing access to digital finance tools, it enables clients to efficiently manage their financial services and expand their customer reach.

Bujeti is a financial management platform that provides virtual and physical corporate cards, enabling businesses to streamline expense tracking and automate payment processes. It addresses the inefficiencies of manual financial workflows and disconnected systems, enhancing cash flow management and compliance for African businesses.

Earnipay provides a digital payroll platform that integrates with existing payroll systems, allowing employees to access a portion of their earned wages on-demand while offering financial education and personal finance management tools. This solution addresses the challenge of delayed salary disbursement, enhancing employee financial well-being and improving overall financial health for businesses.

Dayra provides a B2B lending platform that enables businesses to offer financial services directly to their unbanked gig workers and customers through customizable APIs and dashboards. This solution addresses the lack of access to capital for underbanked individuals, allowing for instant financing and seamless payment transfers.

Kenzz is an e-commerce platform that offers a wide range of products across various categories, enabling users in Egypt and MENA to shop conveniently via mobile devices. The platform addresses the challenge of limited access to diverse products by providing an extensive selection and a rewards system for sharing deals with others.

Kashier is a payment management platform that enables e-commerce and retail businesses to accept a wide range of digital payment methods securely and efficiently, including credit/debit cards and mobile cash. The platform provides a complete toolkit for managing transactions, invoicing, and subscriptions, addressing the need for seamless payment processing in a rapidly evolving digital economy.

Lidya is a financial services platform that digitizes loan processes and automates collections, enabling businesses in Nigeria to efficiently manage credit and payment operations. By providing real-time access to transaction data and facilitating instant money transfers, Lidya addresses the challenges of limited access to credit and inefficient payment collection in emerging markets.

Bictorys provides a unified payment platform that aggregates credit cards and mobile money into a single integration point. Its developer-friendly API and e-commerce checkout plugins enable businesses to streamline online transaction processing and payouts.

NowPay offers an on-demand wage access platform for employees to withdraw earned salary before payday. This service helps alleviate financial stress and provides instant bill payment and shopping installment options through a mobile app.

MOLO MOLO Pay offers a payment platform that allows consumers to purchase appliances, smartphones, and luxury items in installments, eliminating the need for cash transactions. This service provides immediate access to products while enabling users to manage their finances without incurring debt.

The startup offers a medical bill payment platform that enables patients to split healthcare expenses into manageable monthly installments. This system enhances financial flexibility for patients, reducing the immediate financial burden associated with medical costs.

Adva is a mobile application that enables users to access various services, including healthcare, education, and home finishing, through customizable installment plans. By simplifying the payment process to a single click, the platform addresses the challenge of affordability and accessibility for essential services in Egypt.

The startup operates a financial platform that offers tech-enabled installment financing specifically for medical services, catering to customers facing cash shortages. By streamlining the application process and providing quick access to funds, the platform enables users to afford necessary healthcare without financial strain.

BrandDrive offers a financial management platform that integrates bookkeeping, accounting, and payment processing tools, enabling African businesses to manage sales, expenses, and inventory in one place. The platform addresses the challenge of fragmented financial operations by providing real-time insights and multi-currency accounts to streamline business growth.

BFree utilizes machine learning to analyze consumer behavior and customize credit recovery solutions, enabling a more ethical and effective approach to debt collection. The platform specifically targets non-performing loans in emerging markets, empowering customers to regain control over their finances and achieve sustainable debt resolution.

Klump provides a Buy Now Pay Later platform that allows users to make purchases with an initial 25% deposit and spread the remaining balance over 12 months. This service enables consumers to manage their budgets effectively by breaking down larger expenses into smaller, manageable monthly payments.

The startup offers a mobile financial platform that provides digital payment services, enabling users to manage their finances with quick settlements and minimal downtime. This platform addresses the need for efficient and affordable financial services, enhancing accessibility for individuals and businesses alike.

The startup is a credit-led digital bank that provides accessible financial technology products and digital banking services tailored for consumers in developing economies across Africa and the Middle East. By offering transparent installment payment options, it enables users to meet their financial needs in regions with limited access to traditional banking services.

The startup offers a fintech platform that facilitates digital lending and payment solutions for vehicle owners and transport companies. By enabling access to essential traffic services, maintenance, and insurance through manageable weekly payments, the platform enhances financial stability and expense management in the transportation sector.

The startup offers a financial application that enables customers to purchase items through flexible installment payments, allowing them to acquire products without the burden of upfront costs. Its platform provides secure transaction options and tailored deals, enhancing affordability and accessibility for users.

Kalabash develops user-friendly payment solutions that enable businesses and consumers in Africa to manage transactions and leverage credit effectively. By partnering with leading retail brands, the platform simplifies payment processes, enhancing accessibility and convenience for over 95,000 customers across four countries.

Flexpay provides an automated savings platform that allows users to set financial goals and make flexible payments towards purchases from partner merchants, all without incurring interest. This solution addresses the challenge of managing large expenses by enabling customers to save at their own pace and withdraw funds directly to mobile money services like MPESA.

Nixacom offers a financing platform for consumer electronics, allowing individuals and businesses to purchase devices like smartphones and laptops through installment plans. By partnering with local banks and offering payroll deductions, Nixacom makes electronics more accessible through manageable payment options.

The startup offers a payments and digital marketplace platform that enables users to list products and conduct transactions through an integrated financial wallet. This platform facilitates the buying, selling, and renting of various products, addressing the need for a streamlined and secure transaction process in online marketplaces.

BluPenguin provides an integrated digital payment platform that allows businesses to accept diverse payment methods, including cards and mobile money, across both physical POS and online channels. The solution streamlines transaction processing and offers real-time sales tracking and inventory management to enhance operational efficiency.

This fintech company offers a mobile app providing digital financing and payment solutions. The platform aims to streamline financial transactions and provide accessible financial services through mobile technology.

This startup develops a financial technology platform that utilizes digital and mobile technology to provide low-income individuals and businesses with access to affordable credit and essential financial services. By addressing the lack of gainful employment and trade opportunities, the platform enables users to improve their economic conditions and access vital resources.

Lupiya is a marketplace that connects borrowers with micro-loan providers, utilizing a digital platform to facilitate quick and secure transactions. The service addresses the lack of accessible financing options for individuals and small businesses in need of small amounts of capital.

This startup offers an embedded payments platform that integrates seamlessly into existing applications, enabling businesses to process transactions without redirecting users. By simplifying payment workflows, it enhances user experience and increases conversion rates for digital services.

XPay provides a payment management platform that enables businesses in Egypt to process various payment types, including credit cards and mobile wallets, through a single dashboard. This solution addresses the inefficiencies of transaction management by offering real-time monitoring and bi-weekly payouts without subscription fees.

The startup operates a financial technology platform that provides a credit reference bureau, collecting and validating credit data on individuals and businesses to create detailed credit profiles. This enables credit providers to access accurate credit reports and scores, facilitating informed lending decisions and promoting financial inclusion in underserved communities.

Swipe provides credit solutions that empower businesses to make credit purchases, facilitating growth and expansion. By offering tailored credit options, the company addresses the challenge of limited access to financing for business development.