EN · United StatesBuy now, pay later software
for every checkout
Installments online and in store: limits, schedules, merchants and collections in one system for lenders, banks and retail chains.
Connects to 1,700+ services out of the box
How it works
From the cart to
the last installment
Four steps, one system. Merchants, customers and your team see the same plan.
- 01Choose a planAt checkout online or at the till, in a few taps.
- 02VerifyID, anti-fraud and credit checks run while the cart is still open.
- 03ApproveLimits and rules approve the order or offer a shorter plan.
- 04Pay the merchantThe store is paid at once; the customer repays on schedule.
Working with shoppers and merchants
Tools for
shoppers and merchants
Shoppers split a purchase in seconds, merchants get paid, and every plan runs itself.
Applications at checkout
Shoppers apply in the cart or in store in a few fields, and abandoned forms can be resumed.
Plan reminders
Payment dates, failed charges and refunds trigger SMS, email and push messages.
Promo codes and cashback
Merchant campaigns, promo codes and bonus points for shoppers who pay on time.
Shopper app
See every plan, pay early, change a date or handle a return in a few taps.
Plan agreements generated
Terms, receipts and refund confirmations are created and accepted automatically.
Decisioning
Approvals before
the cart times out
Limits, scoring and anti-fraud run in one flow at checkout. Every approval and decline shows the rules behind it.
- Limits per customer and storeSet caps by store, category and customer history.
- Fewer abandoned cartsDecisions arrive before the customer leaves the page.
Checks and payments
Instant checks and merchant payouts
Decisions in seconds at checkout, and settlements to merchants on schedule.
Client checks
Light checks for a fast checkout:
- Anti-fraud servicesDevice, basket and repeat-attempt checksPass
- Identity verificationPhone and ID verificationPass
- Credit bureausSoft credit checks that don’t affect the scorePass
- Government registriesID and sanctions listsPass
- Purchase historyPast plans and on-time paymentsReview
- Merchant dataMerchant risk and categoryAuto
Payment infrastructure
Merchant settlements and shopper payments:
- Cards
- Wallets
- Direct debit
- Instant payments
- Merchant accounts
Plan servicing
Every plan and every
payment on one screen
Change dates, take early repayments, handle returns and follow the full schedule of every plan.
- Every split calculated automaticallyInstalments, fees, late charges and refunds are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
- Plans configured, not codedSet split options, merchant fees and late-charge rules in the admin panel.
- Alerts on every chargeFailed charges, new dates and refunds notify the shopper and the merchant.
Reporting and analytics
Merchant, basket and plan analytics
- 25+ ready reportsConversion at checkout, plans by merchant, default rates and refunds.
- BI and analyticsStream plan and merchant data to your BI tools.
- Accounting and taxMerchant settlements, fees and tax entries post to your local accounting systems.
Integrations
Plugs into what
you already use
Payments, KYC, open banking, credit data, messaging and e-signature, ready to switch on.
1,700+
connectors across 172 markets
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Customer portal
Customers pay, reschedule and pay in full from any device.
Staff portal
Managers, analysts, risk, verifiers and collectors work side by side.
Super-admin portal
Products, roles, permissions and rules change without a release.
A seat for every role
Each person sees exactly what their job needs, nothing more.
- Loan manager
- Analyst
- Risk manager
- Verifier
- Collector
- Operator
- Supervisor
- Manager
- Super-admin
Questions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
How fast is a decision at checkout?+–
Usually under 30 seconds. Limits, scoring and anti-fraud run while the customer is still on the payment step.
Can we offer BNPL to partner stores?+–
Yes. Each store gets its own terms, limits and payout schedule, and a partner portal with its sales and orders.
Does it work in physical stores?+–
Yes. Staff fill in the application on a tablet or the customer scans a QR code at the till; the decision comes back in seconds.
How are merchants paid?+–
Merchants are paid automatically on the schedule you set, daily or weekly, minus your fee. Every payout has a statement.
How long does implementation take?+–
A standard SaaS launch takes 1–2 weeks. On-premise installations and migrations from another system usually take 6–10 weeks.
Full bnpl & pos lending specification
66 features with the integrations that come ready, on one page you can print or save as PDF.
Book a demo
See lendhero on your
own products
We’ll walk you through the platform, show what matters for BNPL and POS lending and answer questions about your business.
- A 30-minute call
- A walkthrough on your products and markets
- Answers on timeline, integrations and pricing