BNPL & POS lending software for the Middle East

Sharia-compliant pay-later and instalments at checkout, built for SAMA and Central Bank of the UAE rules on BNPL.

See markets
lendhero BNPL & POS lending · Middle East software interface
8
Middle East markets with local setup
110+
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 the Middle East, 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 Middle East.
Merchant, basket and plan analytics: lendhero interface

Local rails

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

  • Saudi Arabia5 connectors
    • SSIMAH
    • NNafath
    • ssarie
    • mmada
    • SSADAD
  • United Arab Emirates5 connectors
    • AAl Etihad Credit Bureau
    • UUAE PASS
    • UUAEFTS
    • AAani
    • DDirect debit (UAEDDS)
  • Kuwait5 connectors
    • CCi-Net
    • PPACI Kuwait Mobile ID
    • KKNET
    • CCard
    • DDirect debit
  • Bahrain5 connectors
    • BBahrain Credit Reference Bureau
    • eeKey
    • FFawri+
    • BBenefitPay
    • DDirect debit
  • Qatar5 connectors
    • QQatar Credit Bureau
    • TTawtheeq
    • QQPS instant
    • FFawran
    • DDirect debit
  • Israel5 connectors
    • BBDI
    • OOnfido
    • ZZahav
    • MMasav
    • MMasav direct debit

All Middle East markets

Open Middle East

Integrations

Connected out of the box

Connect local payment rails, national digital ID, open banking, credit bureaus, messaging and e-signature providers across the Middle East out of the box.

  • Connected out of the box15 ready connectors
    • CCheckout.com
    • NNetwork International
    • PPayTabs
    • HHyperPay
    • mmada
    • LLean
    • TTarabut
    • UUAE PASS
    • NNafath
    • UUqudo
    • SSIMAH
    • AAECB
    • UUnifonic
    • IInfobip
    • SSignit

Questions

Frequently asked

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

Which Middle East markets is it available in?+

All 8. The most active for BNPL & POS lending are Saudi Arabia, the United Arab Emirates, Kuwait and Bahrain.

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 Middle East?+

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

Book a demo

Launching BNPL & POS lending in the Middle East?

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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