BNPL & POS lending software for Africa

Buy now, pay later at checkout and in store, repaid through mobile money and cards.

See markets
lendhero BNPL & POS lending · Africa software interface
48
Africa markets with local setup
185+
local connectors ready to switch on
Seconds
for a decision at checkout
1–2
weeks from kickoff to the first loan

What you get

BNPL & POS lending in Africa, configured, not coded.

Merchant onboarding

KYB, pricing and settlement terms for every merchant.

Checkout API

Plug installments into web and app checkouts.

In-store flow

Tablet application for shop staff with instant decisions.

Instant decisions

Rules and scorecards return an answer in seconds.

Merchant settlement

Automatic payouts to merchants, net of fees.

Split schedules

Pay-in-3, pay-in-4 or longer installment plans.

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, across Africa.
Merchant, basket and plan analytics: lendhero interface

Local rails

Ready in the markets that matter for BNPL & POS lending.

  • South Africa5 connectors
    • TTransUnion
    • DDHA (Home Affairs)
    • PPayShap
    • EEFT
    • DDebiCheck
  • Egypt5 connectors
    • II-Score
    • NNational ID (CSO)
    • IInstaPay
    • MMeeza
    • FFawry
  • Nigeria5 connectors
    • CCRC Credit Bureau
    • BBVN (NIBSS)
    • NNIP (NIBSS)
    • PPaystack
    • RRemita direct debit
  • Kenya5 connectors
    • MMetropol CRB
    • IIPRS
    • MM-Pesa (Daraja)
    • AAirtel Money
    • MM-Pesa Paybill
  • Morocco5 connectors
    • CCreditinfo Maroc
    • CCNIE validation
    • IInstant transfers
    • MM-wallet
    • CCash Plus
  • Ghana4 connectors
    • XXDS Data Ghana
    • GGhana Card (NIA)
    • GGhIPSS instant pay
    • MMTN MoMo

All Africa markets

Open Africa

Integrations

Connected out of the box

Connect mobile money, card and bank rails, KYC, credit bureaus, SMS and e-signature providers across Africa out of the box.

  • Connected out of the box16 ready connectors
    • MM-Pesa
    • FFlutterwave
    • PPaystack
    • MMTN MoMo
    • AAirtel Money
    • CCellulant
    • MMono
    • OOkra
    • SStitch
    • SSmile ID
    • VVerifyMe
    • MMetropol
    • TTransUnion
    • AAfrica's Talking
    • TTermii
    • IInfobip

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Which Africa markets is it available in?+

All 48. The most active for BNPL & POS lending are South Africa, Egypt, Nigeria and Kenya.

Can we use local bureaus and wallets?+

Yes. Local credit bureaus, ID registries, wallets and payment rails come connected; the country pages list them one by one.

How long does a launch take?+

A standard SaaS launch takes 1–2 weeks. On-premise installations and migrations from another system usually take 6–10 weeks.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Which other products run in Africa?+

Microfinance lending, Auto financing, P2P lending, Islamic financing, Business lending and Bank lending. Each one has its own page for Africa.

Book a demo

Launching BNPL & POS lending in Africa?

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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