Top 50 Bnpl Platform - Series A

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.

BharatX provides white-labeled Buy Now, Pay Later (BNPL) solutions for consumer brands seeking to increase sales and customer retention. The platform offers flexible installment plans, instant integration via APIs or plugins, and manages all associated credit risk for the merchant. Merchants receive upfront T+1 settlements, ensuring immediate access to funds without waiting for consumer repayments.

Optty provides a financial software platform that integrates a buy now pay later (BNPL) option through a single developer-friendly API, enabling e-commerce sites to implement multiple payment methods quickly. This solution addresses the complexity of managing individual BNPL integrations, allowing businesses to enhance conversion rates and attract a broader customer base by offering flexible payment options.

Amwal Tech provides consumers with a Buy Now, Pay Later (BNPL) solution allowing credit card purchases to be split into Sharia-compliant installments up to 24 months. This service offers consumers flexibility with zero fees or interest while enabling them to retain their existing credit card rewards and points. Merchants benefit by offering customers extended payment terms directly at checkout, supported by partnerships with leading Saudi banks.

Smartpay provides a Buy Now, Pay Later (BNPL) service offering consumers interest-free three-installment payments with automatic bank account debits. This solution streamlines the checkout process for e-commerce merchants, enabling one-click payments and improved conversion rates. The platform supports payment flexibility by integrating directly with over 200 financial institutions for immediate account withdrawal.

Provides a white-label embedded finance platform that enables SaaS businesses to integrate payments, lending, insurance, and Buy Now, Pay Later (BNPL) solutions through a low-code API. This streamlines revenue generation by offering fully customizable financial products with 100% pass-through bank pricing, allowing platforms to retain a larger share of transaction-related income.

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.

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.

The startup offers a buy-now-pay-later service that provides consumers with interest-free installment payment plans for various products. This approach enables customers to manage their financial constraints by accessing flexible installment loans without incurring additional interest costs.

BuildNow offers a Build Now Pay Later solution specifically for construction manufacturing SMEs, providing immediate funding for raw materials while allowing flexible credit terms tailored to their cash flow needs. This platform enables businesses to acquire necessary materials quickly, reducing project delays and improving financial management by allowing payments to be made over extended periods.

Telr provides a cloud‑native payment gateway that consolidates over 15 local and global payment methods across 120 currencies into a single integration point for e‑commerce merchants in the MENA region. The platform includes PCI‑DSS Level 1‑certified hosted pages, a JavaScript SDK, and APIs, plus built‑in fraud detection, BNPL via Tabby, payment links, QR codes, and on loans, all managed through a unified dashboard.

dapp® provides a nationwide network that lets merchants accept a wide range of digital and cash‑based payments through a single API, SDK, or plug‑and‑play POS solution. The platform supports QR‑code, push‑notification, payment‑link, e‑wallet, CoDi® transfers, BNPL and cash‑in/cash‑out at over 40,000 retail locations, offering real‑time settlement, unified reporting and zero chargeback risk for cash transactions.

The startup offers an online fintech platform that enables customers to split their payments into four equal installments without incurring fees or interest. This solution allows users to manage their cash flow more effectively when purchasing products online or offline.

The startup offers a purchase credit platform that provides low-income consumers without bank accounts access to credit at retail points of sale, eliminating hidden fees and high interest rates. This enables consumers to achieve personal financial goals while allowing retailers to offer a secure, risk-free payment alternative.

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.

Comfi provides B2B embedded finance solutions, including invoice discounting and buy now, pay later options, specifically for SME suppliers in the MENA region. The platform enables suppliers to convert unpaid invoices into immediate working capital and offer flexible payment terms to buyers without assuming credit risk. This service accelerates cash flow, allowing SMEs to increase sales volume and scale operations confidently.

ePayLater provides a buy now, pay later solution that enables businesses to access instant credit for inventory purchases with a 14-day repayment period at 0% interest. This service addresses the cash flow challenges faced by retailers, allowing them to stock products without immediate cash outlay while ensuring secure transactions across a pan-India network of partner merchants.

Tymit offers a white‑label instalment financing platform that lets retailers provide 0% interest payment plans from 3 to 36 months under their own brand. The solution includes a reusable credit line managed within the merchant’s app, incurs no merchant or transaction fees, and is FCA‑regulated, helping businesses boost conversion, average order value, and repeat spend across online and in‑store channels.

R2 offers an embedded finance platform that enables digital marketplaces, delivery apps, and other platforms in Latin America to provide revenue‑based loans to their SMB merchants. Using the host platform’s transaction data, its AI-driven underwriting delivers pre‑approved, dynamic loan offers with repayments automatically tied to sales, while R2 assumes the credit risk and handles compliance. The solution integrates via API and UI components in weeks, giving merchants fast, flexible capital without the partner building its own lending infrastructure.

This startup offers a digital-native fintech platform that facilitates microcredit and payment transactions in Brazil, specifically through the PIX payment system. By providing digital salary advances and customizable withdrawal limits, the platform enables users to manage their cash flow and make purchases at any merchant accepting PIX.

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.

Anyday provides consumers with a flexible payment solution allowing purchases to be split into multiple installments at over 1,500 online shops. This Buy Now, Pay Later service enables shoppers to divide their transaction cost over time, often with zero interest or fees paid by the consumer. Merchants benefit by offering this installment option, which is funded by the merchant side of the transaction.

Migo provides an embedded lending platform that utilizes a simple API to facilitate microfinance and credit services for banks, merchants, fintechs, and telcos. This technology enables businesses to offer flexible credit options, such as buy now, pay later, thereby enhancing customer access to financial services and driving sales growth.

Provides a point-of-sale financing platform that integrates with business software to offer customers transparent, real-time payment options for services like home repair, dental, and veterinary care. By enabling instant credit decisions and 0% APR plans up to 24 months, it helps businesses increase sales while offering consumers a manageable way to pay for essential services without hidden fees or paperwork.

Skeps provides a lending gateway that securely matches customers with real-time financing options from a multi-lender network, enabling purchases of $500 and above. This technology enhances sales conversions by up to 30% and increases average order value by 25% through embedded financing solutions tailored for various industries.

Yup is a licensed fintech platform that lets Indonesian consumers finance purchases at any merchant through a single mobile app, offering 0% interest financing and instant approval. The service consolidates credit applications, provides real‑time repayment tracking, and includes 24‑hour support, while complying with Otoritas Jasa Keuangan regulations.

Provides a decentralized lending protocol that facilitates uncollateralized crypto loans using blockchain technology. The platform enables fintech companies to access flexible liquidity for use cases like buy-now-pay-later, trade finance, and revenue-based financing, offering a capital-efficient alternative to traditional credit systems.

The startup offers a credit management platform that consolidates the tracking and management of various credit products, including credit cards and buy-now-pay-later options, into a single secure interface. This platform enables users to enhance their credit health by simplifying payment processes and providing clear visibility into their credit obligations.

Zippi offers a digital credit platform that enables microentrepreneurs in Latin America to access instant capital through the Pix payment system, allowing them to pay suppliers immediately and manage weekly repayments. This service addresses the need for flexible cash flow solutions, empowering small business owners to enhance their purchasing power and operational efficiency without the constraints of traditional credit cards.

Onramp Funds provides a financing platform that utilizes revenue-based lending to offer e-commerce entrepreneurs quick access to capital, with funds available in less than 24 hours. By connecting directly to sales data from platforms like Amazon and Shopify, Onramp delivers tailored funding options without requiring equity stakes or personal credit checks.

Mala provides a B2B procurement solution that integrates "Procure Now, Pay Later" financing directly into purchasing workflows. This service allows businesses to acquire necessary goods and services immediately while managing payment terms over an agreed schedule. The platform streamlines cash flow management for commercial buyers by offering flexible credit options at the point of sale.

Tienda Pago is a mobile‑first financing platform that provides independent grocery, beverage, and convenience‑store operators in Mexico and Peru with instant working‑capital loans transferred via ACH and repaid on a fixed 7‑day schedule with transparent interest. The app also integrates supplier payments, a prepaid mobile‑top‑up engine, real‑time analytics, and API/SDK connectivity for existing POS and inventory systems.

FlapKap provides fast, flexible financing solutions specifically designed for SMEs, including revenue-based funding and dynamic credit lines. The platform offers a 100% digital application process, enabling businesses to access working capital quickly to manage inventory, marketing, and cash flow. Repayments are revenue-based, adjusting automatically with business performance, ensuring accessible growth support.

Nelo provides a digital credit platform that enables consumers in Latin America to obtain immediate credit approvals and manage payments for services and purchases through a user-friendly app. By offering flexible repayment options and transparent terms, Nelo enhances consumers' purchasing power while helping them improve their credit history.

Sivo operates a financial technology platform that provides debt-as-a-service through an API, enabling companies to access up to $20 million in interest-only debt capital quickly and transparently. The platform addresses the complexity of raising debt capital for early-stage fintechs by offering streamlined integration and real-time reporting, allowing businesses to scale their lending programs efficiently.

Kueski is a Mexican fintech that offers fully digital personal loans of MXN 200‑26,000 with instant approval and flexible repayment, using encrypted data and regulator‑approved credit scoring. It also provides Kueski Pay, a buy‑now‑pay‑later service that lets consumers shop online or in‑store without a credit card while merchants receive immediate payment and avoid charge‑backs.

Ualett is a mobile application that provides fast cash advances to independent contractors without requiring credit checks, enabling them to access funds in less than 24 hours. By addressing the financial challenges faced by gig workers and self-employed professionals, Ualett streamlines the funding process, allowing users to focus on their work without financial stress.

CrediLinq provides fast, flexible financing solutions specifically for e-commerce businesses seeking capital to scale operations. The platform uses an AI-driven credit model analyzing transaction data for quick underwriting and approval of credit lines up to $2M. This service offers transparent, pay-as-you-use terms without requiring collateral or equity dilution.

Fly Now Pay Later offers travel loans through a fintech platform that enables customers to finance their trips with flexible payment options. The service addresses the challenge of high upfront travel costs, allowing users to book flights and accommodations without immediate financial strain.

Dinie provides embedded lending services for B2B platforms, enabling businesses to offer customized credit products and payment solutions to their clients without the need for banking infrastructure. By leveraging a simple API integration, Dinie allows partners to enhance customer engagement and generate new revenue streams through accessible financing options.

Carbon provides a digital banking platform that offers instant loans, savings accounts with competitive interest rates, and payment solutions without the need for collateral or guarantors. By simplifying access to credit and financial management tools, Carbon addresses the lack of affordable financial services for individuals in Nigeria and beyond.

OatFi provides an API‑driven credit and capital‑markets stack that lets B2B payments platforms embed instant working‑capital products—such as payable deferral and receivable acceleration—directly into their payment flows. The platform handles automated underwriting, KYB verification, fraud detection, and end‑to‑end loan management, connecting to a credit network and capital‑markets partners so the platform can offer financing without holding balance‑sheet debt.

RedCarpet provides a financing platform for Indian consumers to make online purchases across e-commerce and travel sectors. By offering instant credit solutions, the company addresses the challenge of limited access to funds for online transactions, enabling customers to complete purchases without upfront payment.

This company provides a B2B payments platform that offers net terms infrastructure to help businesses increase revenue and sales conversion. It utilizes AI-powered credit and fraud engines to facilitate instant credit decisions and secure transactions across online, direct, and in-store channels. The platform automates the order-to-cash lifecycle, managing invoicing, collections, and providing upfront payments to improve merchant cash flow.

Equipifi provides a white‑label platform that lets banks and credit unions embed real‑time pre‑purchase funding and post‑purchase installment splitting into their digital banking apps. The solution includes loan‑lifecycle management, risk controls, analytics and API integration with core banking systems, enabling institutions to offer pay‑over‑time options on debit cards, checking accounts and other transactions while driving member engagement and revenue.

Tino is a B2B payments platform that provides SMB retailers with flexible payment options, allowing them to purchase from suppliers and defer payments while managing their cash flow effectively. By aggregating invoices into a single payment and offering extended credit terms, Tino simplifies financial management for small businesses.

OatFi provides an API-powered infrastructure that enables B2B payment platforms to embed working capital tools, allowing users to access immediate funding and extend payment terms up to 90 days. This solution enhances cash flow management by collapsing the cash flow conversion cycle, increasing transactional revenues without assuming credit risk.

Stitch Financial provides automated on-demand payout financing for B2B marketplaces, allowing businesses to receive instant payments while offering flexible terms of 30, 60, or 90 days to their customers. This solution eliminates the need for pre-funding payouts, protecting working capital and enabling companies to monetize their transaction flows effectively.

Vartana is a B2B payments platform that utilizes AI to automate credit approvals and generate flexible payment options, enabling sales teams to close deals in under 10 minutes. By streamlining the financing process, Vartana addresses the lengthy approval times and complex workflows that often hinder sales, resulting in an 80% faster financing experience and a 40% increase in conversion rates.

Joko is a mobile‑first platform that aggregates cash‑back deals, automatic coupon application, and digital gift‑card rewards for purchases made online, in‑store, or via browser extensions. It consolidates loyalty cards, provides budget‑tracking tools, and offers buy‑now‑pay‑later options, delivering continuous savings without manual effort.