Top 50 Bnpl Platform - Late Stage

Sezzle offers a buy now, pay later platform that allows consumers to make purchases in four interest-free installments over six weeks, providing a flexible alternative to traditional credit options. This solution addresses the need for accessible financing by enabling users to shop at major retailers without incurring interest or hidden fees.

Atome offers a buy now, pay later solution that allows customers to split their purchases into three or more interest-free payments, enhancing financial flexibility. This service addresses the challenge of immediate payment burdens by enabling consumers to manage their spending while shopping at thousands of retailers both online and in-store.

Aplazo is a payment network that enables consumers to make purchases by paying only 20 upfront and financing the remaining balance in installments, without the need for a credit card. This approach addresses the challenge of high upfront costs for consumers, allowing merchants to increase sales and enhance customer loyalty.

Spendwisor is a mobile payment and POS application that enables users to make purchases using QR codes while offering a Buy Now Pay Later option with no interest or hidden fees. The platform also features a personal finance manager and cashback rewards, allowing users to track expenses and earn benefits from their transactions.

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.

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.

PayRight is an online platform that offers flexible payment plans, allowing users to finance purchases up to $20,000 over terms ranging from 3 to 36 months. By enabling customers to manage their spending through structured installment payments, PayRight addresses the challenge of affordability for larger purchases.

Tamara is a shopping and payments platform that allows customers to split their purchases into up to four interest-free installments, ensuring compliance with Sharia law. By providing a flexible payment solution, Tamara addresses the challenge of high upfront costs, making shopping more accessible for consumers in Saudi Arabia, the UAE, and Kuwait.

Akulaku is a digital finance platform that offers virtual payment services, including Buy Now Pay Later and cash loan products, to enhance consumer purchasing power in Southeast Asia. The platform utilizes machine learning and facial recognition technology to streamline transactions and improve risk management for over 10 million users and 90,000 merchants.

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.

Affirm provides point-of-sale installment loans through a digital platform that integrates with retail checkout systems. This service enables consumers to finance purchases over time, addressing the need for flexible payment options in retail transactions.

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.

Cashew is a payments platform that enables consumers to make purchases and pay for them in equal monthly installments, utilizing a straightforward installment payment model. This approach addresses the challenge of high upfront costs, allowing customers to manage their budgets more effectively while enhancing their purchasing power.

The startup offers a B2B payment platform that enables businesses to manage and process bills securely from a single interface. By providing real-time reminders and consolidated bill management, the platform enhances payment efficiency and reduces the risk of late fees for consumers.

The startup offers a financial application that enables consumers to make purchases online using customized installment plans, either interest-free or interest-bearing, as an alternative to traditional credit and debit options. By providing merchants with tailored payment solutions at checkout, the platform enhances consumer purchasing power while minimizing upfront costs.

Capchase offers revenue-based financing solutions that provide non-dilutive capital to startups based on their future recurring revenue. This enables businesses to improve cash flow and invest in growth without sacrificing equity or facing the challenges of traditional funding methods.

The startup offers a B2B payment platform that integrates an instant buy now pay later option at checkout, enabling merchants to provide immediate financing to customers. By assuming credit risk and managing loan servicing, the platform enhances sales and conversion rates for merchants through streamlined financing approval processes.

Provu is a fintech company that offers an online payment platform providing credit and loan facilities to consumers and businesses. By streamlining access to financing, Provu addresses the challenge of securing timely funding for purchases and investments.

Ampla provides a commerce enablement platform that integrates capital solutions, banking, payments, and data analytics to support the growth of emerging brands in eCommerce and retail. By offering a modern line of credit and no-fee banking services, Ampla addresses cash flow challenges that hinder inventory and marketing investments, enabling businesses to scale effectively.

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 an online lending platform that utilizes a proprietary model to minimize non-performing asset (NPA) rates, making credit more accessible for small and medium enterprises. By leveraging engineering finance principles, the platform enables faster and more flexible loan approvals, facilitating convenient purchasing decisions for businesses.

Slope provides a financial platform that enables businesses to accept online payments and offer flexible financing options through a single API, streamlining the checkout process. The platform addresses cash flow challenges by facilitating immediate payouts to sellers while managing credit risk and collections for future purchases.

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.

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.

Katapult is an omnichannel point-of-sale payment platform that offers lease-to-own payment plans without requiring credit checks, enabling consumers to acquire products immediately while making manageable payments. The platform simplifies the purchasing process for retailers and customers by providing transparent payment options and quick approval decisions, addressing the need for accessible financing solutions.

Uzum is a digital services ecosystem that integrates e-commerce, fintech, and banking solutions, providing a marketplace, express delivery, and a neobank to enhance online shopping and financial accessibility for individuals and SMEs in Uzbekistan. The platform addresses the challenges of limited access to diverse goods and efficient payment methods, enabling over 10 million users to streamline their purchasing and banking experiences.

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.

This startup provides financial services that enable small to medium-sized enterprises to access capital quickly through an online application for funding advances. Businesses can repay the funds on a flexible schedule—daily, weekly, or monthly—facilitating their growth and operational needs without lengthy approval processes.

AMAN is a fintech company that offers a comprehensive e-wallet and electronic payment processing platform, enabling users to conduct secure mobile and online transactions. The platform simplifies payment methods and installment options, addressing the need for efficient and reliable financial solutions in a rapidly digitizing economy.

Balance is a digital payments platform that streamlines B2B transactions by offering features such as instant credit decisioning, flexible payment terms, and automated accounts receivable management. This solution reduces processing costs and enhances the purchasing experience for both buyers and vendors across the supply chain.

Growsari is a tech-enabled B2B platform that connects small and medium-sized enterprise (SME) retailers with fast-moving consumer goods (FMCG) suppliers, facilitating efficient inventory management and procurement. The platform addresses the challenges of supply chain access and financial constraints for retailers by offering a comprehensive app for purchasing goods, managing bills, and providing a Buy Now, Pay Later option.

The startup offers a B2B credit platform that utilizes advanced data analytics to assess creditworthiness and streamline the lending process for businesses. This solution addresses the challenge of inefficient credit evaluations, enabling faster access to financing and improved cash flow management for companies.

The startup offers a sales acceleration platform that provides custom financing solutions to pre-qualified leads, integrating software management with financial services. By underwriting and issuing loans with flexible EMI options, the platform enhances cash flow for businesses, facilitating quicker deal closures.

Walnut Financial provides a point-of-sale lending platform that facilitates affordable healthcare financing by enabling patients to access credit at the time of service. The platform also streamlines billing operations for healthcare providers, reducing administrative burdens and improving cash flow.

Salmon operates a licensed rural bank in the Philippines, utilizing AI-driven technology and a proprietary credit engine to provide consumer loans through its mobile app. The platform offers flexible financing options, including Salmon Credit and Salmon Financing, addressing the need for accessible credit solutions for Filipino consumers across over 2,000 retail locations.

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.

PatientFi provides a digital financing platform that offers patients flexible monthly payment plans for elective health, beauty, and wellness procedures, enabling them to access treatments without upfront costs. By utilizing a holistic credit assessment approach, PatientFi increases approval rates and financing amounts, making elective care more accessible to a broader range of patients.

Zebit offers a credit line of up to $1,500 for consumers with limited credit history, allowing them to purchase a wide range of products from electronics to home goods and pay over six months at 0% interest. This service addresses the challenge of affordability for customers who need immediate access to essential items but may not qualify for traditional credit options.

Provides customizable co-branded financial products, including credit cards, deposit accounts, and installment loans, powered by a proprietary platform that enables tailored underwriting, rewards, and marketing strategies. This solution helps brands increase customer engagement, drive higher transaction volumes, and gain deeper insights into consumer behavior through SKU-level rewards and real-time data analytics.

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.

M2P Fintech provides a customizable API infrastructure for payments, lending, and banking services, enabling businesses to efficiently manage customer onboarding, compliance, and transaction processing. Their solutions facilitate the rapid deployment of financial products, addressing the need for secure and scalable financial services in a competitive market.

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.

Qupital is a data-driven financing platform that utilizes proprietary credit assessment models to provide tailored funding solutions for cross-border e-commerce sellers. By connecting merchants with private investors, Qupital addresses the challenge of limited access to working capital, enabling businesses to optimize their inventory management and cash flow.

Momnt provides an API-based platform that utilizes alternative data sources and machine learning-informed decision engines to deliver real-time, personalized loan offers to consumers at the point of sale. This technology enables financial institutions to offer affordable financing solutions, enhancing customer access to credit while driving demand for local businesses.

This startup provides revenue-based financing services that enable entrepreneurs to access capital quickly through flat fee-based funding without personal guarantees or credit checks. By offering a flexible payment system, the company addresses the challenge of securing timely financing for founders who may lack traditional credit options.

Cayena is a B2B marketplace that enables restaurants to procure inventory from over 100 qualified suppliers through a digital catalog, facilitating orders in under five minutes. The platform addresses the challenges of inefficient procurement processes by offering next-day delivery and flexible payment terms, allowing restaurants to streamline their supply chain and reduce costs.

Brigit is a financial platform that provides cash advances, credit-building tools, and financial management features through real-time spending insights and automated overdraft protection. By enabling users to access funds quickly without credit checks and offering credit monitoring, Brigit helps individuals avoid late fees and improve their financial stability.