Top 50 Bnpl Platform - Series A

Equipifi provides a white-labeled Buy Now, Pay Later (BNPL) platform that integrates with banking cores and digital banking applications, allowing financial institutions to offer tailored payment solutions. This technology enhances customer engagement and revenue by enabling users to manage BNPL plans directly within their existing banking apps.

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.

Anyday offers a flexible payment solution that allows customers to split their purchases into 4, 6, 8, or 10 payments without interest or fees, enhancing the online shopping experience. This service addresses the challenge of high upfront costs in e-commerce, enabling consumers to manage their budgets more effectively while shopping at over 1,500 partner stores.

BharatX provides a white-labeled embedded consumer credit solution that allows apps and websites to offer flexible payment options, such as "Pay in 3" or "Pay in X" installments, through easy integration with Shopify plugins and APIs. By assuming full credit risk and enabling instant approvals with minimal user input, BharatX enhances customer retention and boosts sales for over 550 consumer brands.

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.

The startup offers an online payment application that provides interest-free buy now pay later services, enhancing the consumer payment experience and increasing merchant conversion rates. By facilitating seamless transactions, the application helps merchants boost their revenue while addressing the challenges of consumer payment friction.

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 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 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 offers a fintech platform that provides no-cost EMI and pay-later services at the point of purchase, utilizing real-time credit eligibility assessments to deliver instant digital credit. This solution enhances consumer financing accessibility and transparency, enabling businesses to boost sales through flexible payment options.

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.

This startup operates a credit-led neobank platform that provides credit access to the unbanked population through partnerships with banks and financing partners. By offering pay-later products for an annual fee, users can easily manage expenses while earning cashback, vouchers, and transaction insights.

Pagaleve offers a Buy Now Pay Later solution that allows consumers in Brazil to make purchases and pay in installments via Pix, eliminating the need for credit cards and their associated high-interest rates. This technology not only enhances consumer purchasing power but also provides retailers with a new payment method that can significantly increase sales and reduce transaction costs.

Mala is a B2B Buy Now Pay Later platform that enables businesses in the MENA region to procure essential goods without impacting cash flow or tying up working capital. By facilitating seamless transactions and optimizing capital utilization, Mala accelerates business growth and operational efficiency.

Fluid provides a B2B Buy Now Pay Later platform that integrates with suppliers' ERP and accounting systems to facilitate instant credit assessments and upfront payments for B2B transactions. This solution addresses the challenge of cash flow for suppliers by enabling buyers to purchase on credit terms, thereby increasing order sizes and attracting new customers.

The startup operates an online payment platform that enables users to make secure transactions for services such as utility bills and entertainment through credit and debit cards, bank transfers, and digital wallets. By providing a reliable payment alternative, the platform simplifies the process of managing multiple payment types in one location.

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.

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.

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.

Provides B2B payment solutions that enable businesses to offer flexible payment terms, such as deferred payments, installments, and digital trade accounts, directly within their platforms. By streamlining cash flow with upfront payments and reducing operational risk through automated credit checks and invoice factoring, it helps businesses increase sales, improve purchase frequency, and simplify multichannel transactions.

The startup offers a financial platform that provides on-demand, customized funding solutions for direct-to-consumer and retail brands, enabling them to access working capital for inventory purchases, advertising investments, and payroll financing. By utilizing a transparent fee structure and advanced integration capabilities, the platform enhances financial decision-making and accelerates business growth.

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.

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.

The startup offers a B2B platform for billing and subscription management that features self-service checkout, automated billing, and flexible payment options. This technology enables businesses to streamline their sales processes and enhance client relationships by improving cash flow and reducing administrative overhead.

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.

The startup offers a white-label banking platform that enables non-financial businesses to provide customized financial services, including account management, deposits, and foreign exchange transactions, under their own brand. This platform enhances brand recognition and credibility while allowing companies to optimize their profitability through integrated financial solutions.

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.

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.

Cushion is an AI-driven platform that organizes and tracks recurring expenses, including bills and subscriptions, by securely linking users' bank accounts and email. The service helps users avoid late fees and unnecessary charges by providing real-time payment notifications and facilitating the cancellation of unwanted subscriptions.

The startup offers a payment platform that enables cashless transactions and micro-loans using cryptocurrency and Bitcoin. Its mobile payment system provides an intuitive interface for merchants to facilitate secure transactions from both cryptocurrency and traditional mobile wallets.

Kontempo is a B2B payments and credit platform that enables industrial businesses to offer their clients flexible payment options, including credit, through a branded online interface. By automating credit assessments and collections, Kontempo reduces the operational burden on companies while minimizing financial risk and improving cash flow.

The startup offers an online credit platform that digitizes loan financing for various needs, including car maintenance, business investments, and home improvements. By providing tools to manage overdraft and revolving credit card debt, the platform enables users to lower their financial burdens and access fair loan rates.

Comfi is a B2B payments platform that enables suppliers in the MENA region to offer credit terms of up to 90 days while receiving upfront payments, effectively eliminating cash flow issues. By integrating a seamless checkout experience, Comfi allows businesses to boost sales and reduce the time spent on managing late payments.

The startup offers a personal finance platform that provides affordable financial products, including check cashing, custom loans, and debit cards, through a mobile application and financial card. By enabling users to manage their finances and build credit without incurring extra costs, the platform addresses the lack of accessible financial services for economically disadvantaged individuals.

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.

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.

UpBanx is a financial technology platform that provides creators, brands, and freelancers with tools for invoice generation, financing, and financial statement creation, all within a single application. It addresses the challenge of fragmented financial management by offering streamlined access to essential financial services, enabling users to manage their finances efficiently and effectively.

The startup offers a financial management platform that enables businesses to create and distribute payment links through text and email, facilitating seamless transactions. Its features include payment tracking, subscription management, and customer scoring, which help businesses lower recurring revenue costs and enhance profit margins.

Borong is a B2B eCommerce platform that connects retailers with suppliers, offering a marketplace for bulk purchasing of over a million wholesale products. The platform addresses the challenges of inventory management and pricing by providing better access to products and flexible payment options, enabling SMEs to optimize their operations and cash flow.

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.

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.

Niro provides an embedded lending platform that utilizes APIs and SDKs to integrate customizable credit products into consumer applications within two weeks. This technology enables platforms to offer personalized, competitive financial services, enhancing user engagement and generating revenue through seamless credit distribution.

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.

The startup provides an application programming interface that enables companies to integrate credit product offerings directly within their applications, streamlining the processes of origination, underwriting, compliance, and servicing. This technology reduces the time and complexity for users to access credit, allowing borrowers to obtain financing without leaving the app environment.

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.

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.

The startup offers a closed-loop payment platform that enables brands to fund customer balances and analyze spending behavior, enhancing customer retention and loyalty. By lowering payment costs and increasing transaction values, the platform drives repeat purchases for businesses.

Provides a cloud-native platform with fully documented APIs and sandbox access for building, launching, and scaling consumer and corporate credit card programs. It replaces legacy systems with an end-to-end solution that includes card issuance, processing, a decision engine, and programmatic compliance tools, enabling faster time-to-market and seamless scalability for fintechs, financial institutions, and embedded finance providers.

FlapKap offers a revenue-based financing platform that provides e-commerce and SME businesses with quick access to working capital by leveraging their future revenues as collateral. This solution addresses cash flow challenges by allowing businesses to receive funding within 48 hours, with repayments tied to their revenue performance.