Top 50 Bnpl Platform - Series B

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.

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.

Zebit operates an e‑commerce marketplace featuring more than 1,500 name‑brand products with an integrated buy‑now‑pay‑over‑time (BNPL) engine. Shoppers receive instant, pre‑approved credit limits and can repay purchases in fixed, interest‑free installments, while merchants embed the financing option via API to boost conversion. The platform handles automated underwriting, PCI‑compliant payment processing, and provides a user dashboard for real‑time balance tracking.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

CASHe is a fintech platform that utilizes AI and machine learning to assess creditworthiness beyond traditional credit scores, enabling the rapid approval and disbursal of unsecured personal loans through a mobile application. The service addresses the financial needs of underserved millennials by providing instant access to loans ranging from ₹50,000 to ₹300,000 with flexible repayment options and minimal documentation.

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.

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.

MoMo is a mobile digital wallet that unifies QR/VietQR payments, bill settlement, peer‑to‑peer transfers, and group‑fund management across more than 30 Vietnamese banks. Its AI engine categorizes transactions, generates spend dashboards, and recommends credit, insurance and BNPL products, while providing merchants with an integrated checkout API and real‑time analytics.

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.

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.

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.

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 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.

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.

Fintecture is a licensed B2B payment platform that utilizes Open Banking technology to facilitate immediate and intelligent bank transfers without the need for manual IBAN entry. The platform enhances transaction security and efficiency, addressing issues of payment delays and fraud in business transactions.

Kueski provides a fully digital platform that issues unsecured personal loans up to MXN 25,500 to Mexican consumers in minutes, using alternative data and real‑time risk scoring without credit‑bureau checks or collateral. It also offers Kueski Pay, an API‑driven buy‑now‑pay‑later widget that lets e‑commerce merchants extend split‑payment financing at checkout, with instant fund transfers and automated repayment collection. The company earns revenue from interest spreads on loans and transaction fees charged to merchants.

The startup offers a lending-as-a-service platform that provides white-label merchant cash advances and other financial products to revenue-generating merchants on digital platforms. Its technology includes KYC and AML compliance, credit scoring, risk management, and loan origination, enabling marketplaces and payment providers to efficiently deliver tailored lending solutions to their merchants.

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.

JULO is a digital lending platform that utilizes big data and machine learning algorithms to assess creditworthiness and provide affordable, unsecured personal loans with interest rates starting at 0.1% per day. The service addresses the need for accessible financing options for consumers in Indonesia, enabling them to meet various financial needs without requiring collateral.

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.

Resolve is a B2B payments platform that offers buy now, pay later options for business purchases, enabling companies to spread costs over time. This approach alleviates the burden of upfront payments, allowing businesses to acquire essential goods and services without immediate financial pressure.

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.

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.

mPokket is a mobile platform that connects lenders and borrowers through a streamlined digital interface, facilitating quick access to personal loans. The service addresses the need for immediate financial support by providing users with a simple application process and rapid loan disbursement.

The startup offers a financial platform that analyzes sales history to identify growth potential and provides performance-based credit to clients. This model enables businesses to access capital for sales advancement in exchange for a share of their revenues until the capital is repaid, plus a fixed service fee.

The startup offers a point-of-sale payment platform that integrates AI and machine learning to provide near-instant underwriting and payment approval for consumers across the full credit spectrum. This technology enables businesses to access efficient digital payment processing and flexible purchase options, addressing the need for rapid financial transactions in a diverse consumer market.

The startup offers a loan application platform that connects entrepreneurs directly with capital providers, bypassing traditional banking processes. By reviewing loan applications within twenty-four hours and providing repayment terms of three to six weeks, it enables quick access to working capital for businesses.

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.

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.

Cartona is a B2B e-commerce marketplace that digitizes the traditional trade market in Egypt by connecting retailers directly with FMCG producers and wholesalers through a user-friendly mobile platform. This solution addresses inefficiencies in inventory management and order fulfillment, enabling retailers to access a wide range of products and streamline their purchasing processes 24/7.

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.

Mondu provides an embedded B2B payment platform that adds invoice and installment financing to checkout flows, allowing buyers to pay on net‑30/60 terms or split installments while merchants receive full payment instantly. The service uses real‑time credit underwriting via machine‑learning risk scores and automates invoicing, payment scheduling, and collections through a RESTful API and plugins for major e‑commerce and ERP systems. A merchant dashboard delivers transaction analytics, risk alerts, and reconciliation tools.

OneBlinc is an online lending platform that provides instant cash advances and innovative loan options specifically for public and health employees, as well as the general public. By offering tools like Blinc Advance and Blinc Boost, OneBlinc helps users manage unexpected expenses and build credit history, reducing reliance on traditional banking services.

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.

Slope provides an AI-powered credit infrastructure specifically designed for business lending by interpreting raw SMB bank transaction data. Their core offering transforms messy transaction feeds into clean financials, accurate cash flow scores, and real-time risk signals for underwriting. This enables lenders to automate decisioning, increase approval rates, and reduce losses in small and medium-sized business financing.

ChargeAfter provides a multi-lender embedded financing platform that integrates seamlessly with point-of-sale systems, allowing merchants to offer personalized loan options to customers in real-time. This solution addresses the challenge of low approval rates and complex integrations by streamlining the lending process and increasing financing application approvals to over 80%.

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.

The startup develops financial software that facilitates direct negotiations for credit and flexible benefits, enabling employers and employees to access transparent and low-fee offerings. Its platform eliminates bureaucratic barriers, allowing clients to advance their credit efficiently and inclusively.

The startup offers an online lending platform that provides unsecured loans based on a borrower’s credit score, loan amount, and term. This service enables customers to access credit quickly and easily, addressing the challenge of obtaining loans without the need for collateral.

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.