Top 50 Bnpl Platform in Europe

Leanpay offers a regulated Buy Now Pay Later (BNPL) solution that enables consumers to finance purchases of any size through a fully digital process with transparent costs and flexible installment options. By implementing deep credit and debt-to-income checks, Leanpay addresses the issues of over-indebtedness and high costs associated with traditional consumer loans.

Scalapay offers a Buy Now, Pay Later service that allows consumers to make purchases and pay in three interest-free installments, enhancing cash flow management. This solution addresses the challenge of immediate payment burdens by enabling customers to receive their orders upfront while spreading the cost over time.

HeyLight enables Buy Now, Pay Later (BNPL) options for consumers at checkout, allowing them to split purchases into installments. Merchants benefit from increased sales and conversion rates by offering flexible payment terms through HeyLight's platform.

Zilch is a direct-to-consumer payments network that offers a buy now, pay later service, allowing users to split purchases into four payments over six weeks with no interest or fees. The platform enhances consumer flexibility by providing instant cash back rewards and a tailored spending limit, while ensuring responsible spending through multi-factor verification and data encryption.

HeyBlu is a non-banking financial institution that provides a fully digital platform for secure and rapid online payment processing, allowing users to finance purchases with flexible repayment options of 6, 12, 24, or 36 months. The service addresses the need for transparent and accessible financing solutions, enabling customers to manage their budgets effectively without hidden fees or unexpected charges.

The startup offers a lending platform that provides on-demand B2B financing based on business revenue and performance metrics at the point of sale. This enables businesses to manage cash flow by spreading the cost of purchases while ensuring suppliers receive full payment upfront.

PastPay offers a Buy Now Pay Later (BNPL) solution for B2B transactions, allowing merchants to receive payments instantly while providing their customers with flexible payment terms of 15 to 90 days. This approach enhances cash flow for businesses and enables buyers to manage their liquidity, ultimately increasing average order values and sales volume.

Hokodo provides buy now, pay later solutions specifically designed for B2B e-commerce, offering flexible payment terms such as 30, 60, or 90 days and installment options. This service enhances the checkout experience for B2B buyers, increasing conversion rates and average order values while ensuring merchants receive full payment upfront.

The startup provides revenue-based financing specifically tailored for e-commerce businesses, enabling them to access capital based on their sales performance. This approach addresses the challenge of securing traditional loans, allowing online brands to enhance their growth strategies and improve customer retention.

Colendi offers embedded fintech services that provide micro-credit and investment solutions through a payment platform utilizing 3,500 data points and machine learning algorithms for dynamic scoring. This technology enables consumers and businesses to access interest-free micro-credit and flexible payment options, addressing the lack of accessible banking services for underserved populations.

The startup operates a B2B finance services platform that provides invoice financing, enabling businesses to access credit and short-term loans while spreading invoice costs over several months. This flexible payment solution enhances cash flow and allows clients to attract new customers by offering adaptable payment options.

SeQura offers an eCommerce payment solution that enables retailers to provide flexible payment options, allowing customers to pay in installments without upfront costs. This approach enhances conversion rates by addressing the challenge of cart abandonment due to payment uncertainties.

Storfund provides immediate payment solutions for marketplace sellers by integrating directly with e-commerce platforms, allowing sellers to access their sales revenue on the same day. This addresses the cash flow challenges caused by delayed payouts, enabling sellers to restock inventory and sustain growth without interruption.

The startup offers a financial platform that automates advance payment requests and provides a financial management tool, enabling employees to manage their finances without affecting company cash flow. This solution helps employees save time and alleviate financial stress by streamlining access to funds and improving financial oversight.

Sprinque is a B2B payments platform that enables merchants to offer flexible payment options, such as Net Payment Terms and installment plans, to international buyers while ensuring sellers receive instant payment. This approach eliminates the risks of late payments and cash flow issues, allowing businesses to focus on growth without the burden of payment-related administration.

Two is a fintech startup that provides a net terms infrastructure for B2B transactions, utilizing AI-driven credit and fraud engines to deliver credit decisions in under two seconds. This technology enables businesses to increase their average order value by 60% and achieve a 90% acceptance rate, addressing the need for flexible payment options in B2B sales.

Brite provides instant payment and payout solutions through open banking, allowing users to complete transactions directly from their bank accounts without the need for cards or apps. This technology enables fast, secure remittances and refunds, addressing the inefficiencies and delays commonly associated with traditional payment methods.

The startup offers a financial platform that converts future recurring revenue into upfront capital, enabling companies to access growth funding without incurring debt or equity dilution. This approach addresses the challenge of securing immediate financing for expansion while maintaining ownership and financial stability.

BVNK provides a payments infrastructure that integrates fiat and stablecoin transactions on a single platform, enabling businesses to send, receive, store, and convert currencies at high speed. This solution addresses the inefficiencies and delays in traditional payment systems, allowing for near-instant settlements and reduced transaction costs.

The startup offers a financial platform that facilitates in-store payment transactions through a customer-facing screen, allowing merchants to customize offers and loyalty points. This technology enhances customer engagement and streamlines the digitalization of financial transactions for businesses.

The startup offers a neobank platform that provides digital banking and lending services tailored for small and medium-sized enterprises, featuring streamlined loan approvals and essential banking functionalities. This enables business owners to efficiently manage their finances and allocate more time towards growth initiatives.

Bunq is an independent neobank that utilizes a mobile-first platform to provide seamless banking services, enabling users to manage their finances with real-time insights and customizable features. The bank addresses the inefficiencies of traditional banking by offering instant account setup, low fees, and enhanced user control over financial transactions.

Tymit provides a virtual Visa card and embedded payment solutions that allow consumers to make purchases in flexible instalments, with credit lines up to £12,000. This approach reduces merchant fees and enhances customer loyalty by offering a transparent and user-friendly payment experience.

This startup operates an omnichannel marketplace that connects lifestyle brands with millennials and Gen Z through a curated selection of products available both online and in physical locations. By providing a platform for emerging designers and established brands, the company enhances customer engagement and drives sales in a competitive retail environment.

The startup provides a blockchain-based platform for secure, real-time payment processing of products and services. This technology eliminates inefficiencies and security vulnerabilities of traditional payment methods, resulting in faster transactions and improved fraud protection.

The startup provides a Banking as a Service (BaaS) platform that offers white-label mobile wallets, payment gateways, and International Bank Account Numbers (IBANs) designed for community organizations. This platform enables easy implementation of digital asset-friendly financial services, meeting the demand for accessible and customizable banking solutions.

Payl8r provides tailored retail finance solutions that enable businesses to offer flexible payment options, including interest-free and installment plans, both online and in-store. By utilizing an agile approval model and Open Banking for enhanced affordability checks, Payl8r helps merchants increase sales by accommodating a broader range of customers with varying credit profiles.

Payla offers a white-label Buy Now, Pay Later (BNPL) solution for European payment providers and financial institutions, enabling them to provide invoice and installment payment options to their merchant clients without sharing customer relationships. The platform handles technical processing, risk management, and customer support, allowing providers to offer these services under their own brand while mitigating financial risk.

Alma provides a payment platform that enables customers to make purchases through installment plans or deferred payments, ensuring merchants receive full payment immediately. This solution addresses the challenge of high cart abandonment rates by offering flexible payment options, resulting in an average sales increase of 20%.

Pledg provides a payment solution that enables customers to make purchases for a group without requiring upfront payment from others, facilitating flexible payment options such as installment plans. This technology integrates with various e-commerce platforms, ensuring immediate payment to merchants while simplifying accounting reconciliation and refund management.

This startup provides a platform for personalized loan services that feature adjustable repayment plans and transparent fee structures, enabling consumers to manage unexpected expenses more effectively. By focusing on sustainability and user-centric terms, the company offers a responsible approach to accessing credit that enhances affordability and financial stability.

The startup offers an e-commerce platform that enables users to create and manage online stores without the need for a traditional business setup. This solution allows clients to sell branded products at discounted prices while operating from any location, streamlining the online retail process.

The startup operates a digital platform that integrates borrowing, shopping, and logistics services, enabling consumers to purchase a wide range of branded products with interest-free installment options. By offering a buy now, pay later (BNPL) model, the platform addresses the challenge of upfront payment barriers, facilitating convenient home delivery for essential and luxury items alike.

Moneybounce offers a fully online credit management platform that provides personal loans up to €6,000 with instant approval and flexible repayment terms ranging from 3 to 48 months. Targeting individuals aged 18 to 30, the service addresses the need for accessible financing without requiring extensive documentation or guarantees, ensuring a quick and straightforward borrowing experience.

The startup offers a digital financial platform that integrates online payment services, loyalty programs, and sales management through omnichannel customer insights. This platform enables seamless mobile payments from various sources, allowing multiple parties to receive funds from a single transaction, thereby enhancing transaction efficiency for users.

Knoma provides a payment solution that allows students to finance their education by spreading course costs over 10 months with no interest, or longer with an interest-bearing plan. This addresses the barrier of upfront tuition fees, enabling access to over 2,500 courses from more than 200 education providers.

The startup operates a financial platform that provides tailored business loans to small and medium-sized enterprises, individuals, and micro-enterprises. This service addresses cash flow challenges, enabling business owners to maintain focus on their core operations and drive growth.

Aplazame offers an instant financing solution for online purchases, allowing consumers to select payment plans of 1 to 36 months with interest rates as low as 0% TAE at participating retailers. This service eliminates the need for extensive paperwork and credit checks, enabling quick approval and facilitating affordable shopping experiences.

PollenPay offers a financial technology platform that enables consumers to make interest-free purchases through flexible in-store payment plans. This approach addresses the challenge of high upfront costs, allowing customers to acquire products when they want without incurring interest charges.

Booste offers revenue-based financing for e-commerce businesses, providing access to funds up to £1,000,000 through a fully online application process that requires only bank statements for verification. This service addresses the need for quick and flexible capital to support marketing and operational growth without personal guarantees or equity dilution.

The startup operates a credit lending platform that digitizes the credit application process, enabling users to secure car, agricultural, and commercial financing without the need for traditional documentation. By streamlining the application workflow, the platform provides a fast and user-friendly experience, significantly reducing the time and effort required to obtain credit.

Boodil offers a Pay by Bank payments platform that utilizes open banking technology to facilitate instant settlements and reduce payment fees for businesses. This solution enables merchants to provide a seamless checkout experience while allowing customers to make secure, cardless payments without the need for storing card details.

The startup offers a digital factoring platform that streamlines financial management by providing instant payment solutions and flexible payment terms for business buyers. This technology enables companies to efficiently manage receivables, access reliable financing, and enhance e-commerce revenues while minimizing buyer risk.

This startup provides a platform that enables businesses to sell physical and digital products, events, and services across various channels without the need for a traditional website. By facilitating instant payment processing and checkout in under two minutes, it addresses the challenge of slow sales conversions and enhances customer engagement.

The startup provides a buy now, pay later (BNPL) module that enables banks, payment institutions, and retailers to implement end-to-end digital financing solutions with minimal operational effort. This service allows credit card providers to quickly offer modern payment and financing options to consumers, enhancing their technological capabilities and reducing time to market.

RollingFunds is a credit management platform that offers a Buy Now Pay Later (BNPL) solution for B2B transactions, enabling small businesses to access deferred and installment payment options. By automating credit risk assessment and onboarding processes, the platform enhances conversion rates and simplifies purchasing for businesses.

PausePay offers a Buy Now Pay Later solution specifically designed for the B2B market, allowing businesses to purchase goods and services with a 90-day payment term without the need for credit cards. This service facilitates immediate cash flow for sellers by ensuring they receive payment upfront, while buyers can manage their cash flow more effectively.

This company offers a buy now, pay later (BNPL) service specifically for healthcare treatments. Their platform allows patients to finance medical expenses and pay them off in installments.

This startup provides a social commerce platform that enables brands and creators to facilitate transactions through one-click payment solutions. By streamlining the purchasing process, it enhances customer engagement and increases conversion rates for online sales.

The startup offers a financial invoicing platform that enables businesses to facilitate early invoice payments to suppliers in exchange for discounts. This approach enhances cash flow management for smaller suppliers and provides businesses with competitive financing options, ultimately improving financial health and supplier relationships.