BNPL & POS lending software for Europe

Pay-in-3, pay-in-4 and longer instalment plans at checkout and in store, with affordability checks set up for the new Consumer Credit Directive.

See markets
lendhero BNPL & POS lending · Europe software interface
45
Europe markets with local setup
650+
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 Europe, 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 Europe.
Merchant, basket and plan analytics: lendhero interface

Local rails

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

  • Sweden5 connectors
    • UUC
    • BBankID
    • SSwish
    • BBankgirot
    • AAutogiro
  • Germany5 connectors
    • SSCHUFA
    • IIDnow
    • SSEPA
    • SSEPA Instant
    • SSEPA Direct Debit
  • Netherlands5 connectors
    • BBKR
    • iiDIN
    • SSEPA
    • SSEPA Instant
    • SSEPA Direct Debit
  • United Kingdom5 connectors
    • EExperian
    • OOnfido
    • FFaster Payments
    • BBacs
    • DDirect Debit
  • Poland5 connectors
    • BBIK
    • mmObywatel
    • BBLIK
    • EExpress Elixir
    • DDirect debit
  • Spain5 connectors
    • CCIRBE
    • OOnfido
    • SSEPA
    • BBizum
    • SSEPA Direct Debit

All Europe markets

Open Europe

Integrations

Connected out of the box

Connect SEPA and open banking, card issuing, KYC, credit bureaus, messaging and e-signature providers across Europe out of the box.

  • Connected out of the box4 ready connectors
    • TTink
    • TTrueLayer
    • VVeriff
    • EExperian

Questions

Frequently asked

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

Which Europe markets is it available in?+

All 45. The most active for BNPL & POS lending are Sweden, Germany, the Netherlands and the United Kingdom.

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 Europe?+

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

Book a demo

Launching BNPL & POS lending in Europe?

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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