Top 50 Bnpl Platform - Pre Seed

Tabby is a payments platform that allows users to split their purchases into four interest-free installments, eliminating the burden of upfront costs. By integrating with various retailers, Tabby enhances the shopping experience and increases conversion rates for businesses while ensuring customers never incur additional fees when payments are made on 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.

PayLater enables consumers to purchase goods and services immediately and pay for them in four interest-free installments over three months. This buy now, pay later service integrates with online and in-store merchants, allowing customers to manage their finances with a transparent payment plan.

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.

This startup utilizes blockchain technology to provide a decentralized finance platform that adheres to Islamic financial principles, enabling users to access buy now, pay later (BNPL) services. By offering a compliant financial solution, it addresses the need for ethical financing options in the fintech space.

Provides a buy-now-pay-later (BNPL) solution enabling customers in Africa to split purchases into 2, 3, or 4 interest-free installments, with no hidden fees. The platform integrates with online and in-store retailers, offering instant approval and seamless payment processing via SMS and banking information. By eliminating upfront payment barriers, it increases affordability and access to goods for consumers while driving sales for merchants.

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 credit facility platform that enables customers to make online purchases with the option to pay in three equal monthly installments. This service enhances financial inclusion by providing accessible credit options and user account management while ensuring data protection.

Provides a buy-now-pay-later (BNPL) platform tailored for underserved markets in Latin America, enabling users to make purchases at over 3,500 merchants with zero-interest installment plans. The app pre-approves credit lines in under three minutes, offering flexible payment options of up to 15 installments for both everyday and larger purchases, addressing limited access to traditional credit systems.

MIS Pay is a payment application that helps businesses manage customer payment plans. It automates recurring billing and collections, allowing companies to offer flexible payment options while streamlining their financial operations.

Addi provides a digital payment platform that allows consumers in Latin America to make purchases at over 13,000 partner brands and pay in up to 24 installments using just their ID and WhatsApp. This service addresses the challenge of limited access to flexible payment options, enabling users to shop conveniently and transparently without being tied to traditional credit card processes.

Spotii is a payments platform that enables consumers to purchase Fashion, Beauty, and Lifestyle products immediately while deferring payment without interest or fees. By providing a transparent and accessible buy-now-pay-later solution, Spotii addresses the financial barriers that prevent customers from making purchases.

QPay is a licensed buy now, pay later platform in Oman that allows consumers to split their purchases into four interest-free payments, enhancing affordability and accessibility. By utilizing one-time passcode authentication, QPay ensures secure transactions while providing a straightforward alternative to traditional credit options.

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.

Pace is an online payment platform that enables users to make purchases through three interest-free installments, facilitating budget management without incurring debt. This approach addresses the challenge of high upfront costs, allowing consumers to spread payments over time while maintaining financial flexibility.

Bynow provides B2B payment solutions that enable marketplaces, manufacturers, and wholesalers to offer Buy Now Pay Later options at checkout, enhancing cash flow for their customers. This service allows businesses to increase sales and customer retention by providing flexible payment terms while mitigating financial risk through a one-time integration process.

Twig Finance provides e-commerce businesses with a Save Now Buy Later (SNBL) payment solution. This interest-free, debt-free option allows customers to save for purchases over time, increasing average order value and customer acquisition.

The startup offers a credit card and financial platform that provides credit shopping opportunities to individuals without existing relationships with banks or financial institutions. By enabling users to purchase goods and manage payments flexibly, the platform enhances access to the financial system for those with limited or no credit options.

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.

Mintpay is an online payment platform that enables users to make purchases either by paying in full for instant cashback or by splitting their bills into three interest-free installments using debit or credit cards. This service addresses the need for flexible payment options, allowing consumers to manage their spending effectively while shopping at over 2,000 partner brands.

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.

ApproBE offers a Buy Now, Pay Later (BNPL) solution that allows consumers to make purchases and pay in installments without relying on traditional bank credit. By utilizing a streamlined approval process, customers can complete transactions at partner merchants within minutes, enabling greater access to financing for individuals with varying income levels.

Tumbuh provides an embedded lending platform that simplifies customer onboarding and loan management through automated KYC processes and real-time transaction tracking. The platform enables businesses to offer flexible payment options, such as Buy Now Pay Later and Earned Wage Access, enhancing customer experience and improving financial well-being.

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.

Notyd provides a buy now, pay later (BNPL) solution for B2B e-commerce, allowing businesses to make online purchases with flexible payment terms of 14 to 90 days. This service enhances cash flow for buyers while ensuring guaranteed payment for sellers, eliminating the risks associated with delayed or unpaid invoices.

ESTO provides a buy-now-pay-later payment solution that allows consumers to make purchases at partner retailers across the Baltics, offering flexible repayment options such as 30 days without interest or installment plans up to 60 months. This service addresses the need for accessible financing, enabling customers to manage their cash flow while shopping.

Muadee by HDBank offers a Buy Now, Pay Later (BNPL) installment card accessible through its mobile application. This service allows users to make purchases and pay for them in installments over time.

The startup offers a digital platform that combines credit card services with Buy Now Pay Later (BNPL) options, enabling users to access flexible payment solutions without traditional credit barriers. This approach addresses the challenge of limited credit access in India, allowing consumers to make purchases and manage cash flow more effectively.

Moneta offers a mobile application that enables users to make purchases online and split the total cost into four interest-free installments over nine weeks, simplifying the payment process. By eliminating upfront costs and providing payment reminders, Moneta addresses the challenge of managing cash flow for middle-income consumers.

ElevAde is a B2B fintech company that offers buy now, pay later (BNPL) solutions specifically designed for businesses looking to enhance their online advertising capabilities. By enabling flexible payment options, ElevAde helps businesses increase customer conversion rates and drive sales growth.

Parcelex offers a Buy Now Pay Later (BNPL) solution for e-commerce in Brazil, allowing customers to make purchases using boleto or PIX and pay in installments of up to 24 months. This service addresses the need for flexible payment options without requiring a credit card, enabling consumers to manage their cash flow effectively while shopping online.

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" service that allows customers to purchase goods and services and pay for them in installments. The service differentiates itself by offering zero-interest payment plans, providing an affordable financing option for consumers.

The startup offers a digital payment system that enables customers to make installment payments before receiving products, utilizing a recurring payment model that mitigates debt risk for businesses. This technology enhances financial inclusion by providing flexible payment options that improve customer access to goods and services.

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.

Indium Finance is a fintech lending platform that provides Buy Now Pay Later solutions specifically designed for SMEs, enabling them to make online purchases without upfront payments. By partnering with corporates and e-commerce platforms, Indium Finance offers transparent financing programs that enhance sales growth for both SMEs and their channel partners.

du-it is a Malaysia-based Islamic Fintech that provides a Buy Now, Pay Later payment solution for both B2B and B2C transactions, enabling businesses to offer flexible installment plans without interest. This platform enhances customer purchasing power while facilitating seamless online and offline payment experiences across various channels.

Finio Pay offers a B2B buy now, pay later solution that enables small businesses in Latin America to purchase inventory from consumer packaged goods suppliers on credit, with zero interest and flexible repayment terms. This platform addresses the cash flow challenges faced by corner shops by facilitating digital payments and improving inventory management, ultimately increasing sales and operational efficiency.

Provides a buy-now-pay-later (BNPL) platform specifically for rent and utility bills, allowing users to split payments into 4, 6, or 12 installments with plans starting at 0% APR. By covering bills upfront, it helps users manage cash flow, avoid late fees, and build credit through on-time payments.

DaftarPay provides buy now, pay later (BNPL) services that comply with Sharia law, enabling customers to make purchases without incurring late fees. This solution addresses the need for flexible payment options while adhering to Islamic financial principles, enhancing accessibility for consumers.

Tribease is a Pan African Buy Now, Pay Later platform that enables consumers and SMEs to purchase essential goods and services from registered merchants while deferring payment to a later date, with a flat 5% interest rate. The platform addresses the challenge of upfront payment burdens by allowing users to manage their cash flow effectively through flexible repayment options.

Tabit provides integrated software solutions for accounting, wealth management, and transaction processing. Their platform streamlines financial operations for businesses by offering tools for direct purchasing and comprehensive financial management.

The startup offers a buy now pay later platform that integrates with e-commerce websites and applications, enabling consumers to split their purchases into interest-free installment payments. This solution addresses the challenge of high upfront costs, allowing businesses to enhance customer purchasing power and improve conversion rates.

EasyGop is a technology finance company that offers a pay-later service, allowing users to split their payments into three monthly installments with zero percent interest and no settlement fees. This solution enables customers to manage their cash flow effectively while accessing prepaid and postpaid services through a mobile application.

Penenza provides a Buy Now Pay Later (BNPL) and crowdlending platform that enables B2B sellers to offer deferred payment options, allowing their customers to pay in installments while the sellers receive full payment upfront. This service addresses cash flow challenges for businesses by increasing sales volume and customer retention without the risk of delayed payments.

Flash provides a Buy Now, Pay Later (BNPL) solution tailored for B2B transactions, allowing wholesale buyers to pay invoices in flexible installments ranging from 1 to 24 months. This technology increases sales conversion rates by up to 30% while ensuring merchants receive payment upfront, mitigating financial risk.

Paywerk provides a buy now pay later platform that emphasizes sustainable practices for cross-border transactions. The service enhances transparency and accessibility in international shopping, allowing consumers to manage payments responsibly while supporting eco-friendly initiatives.

Lendrose provides a platform that enables B2B professional service companies to offer financing options to their clients. This allows service providers to close more deals by removing financial barriers for their prospects.

The startup offers a payment platform that enables users without bank accounts or credit cards to collaboratively purchase goods and services through shared monthly payments. This marketplace model allows individuals with similar consumption goals to pool their resources, facilitating access to products they might otherwise be unable to afford.

Gratify provides a white-label Buy Now Pay Later (BNPL) solution that integrates real-time identity verification and credit decisioning for payment facilitators, service providers, and merchants across Canada, the U.S., Australia, and New Zealand. This platform addresses the need for seamless BNPL offerings by enabling merchants to enhance customer financing options while ensuring compliance and reducing onboarding times.