BNPL & POS lending software for North America
Pay-in-4 and longer instalment plans at checkout, with soft bureau pulls, card and ACH collections and merchant settlement.
- 2
- North America markets with local setup
- 40+
- 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 North America, 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 North America.
Local rails
Ready in the markets that matter for BNPL & POS lending.
United States5 connectors- EExperian
- PPlaid IDV
- AACH
- RRTP
- AACH debit
Canada5 connectors- EEquifax Canada
- IInterac Verification
- IInterac e-Transfer
- EEFT
- PPre-authorized debit
All North America markets
Open North AmericaIntegrations
Connected out of the box
Connect ACH and card rails, bank data, KYC, credit bureaus, messaging and e-signature providers in the US and Canada out of the box.
- Connected out of the box10 ready connectors
- PPLAID
- DDwolla
- MMarqeta
- MMX
- FFinicity
- jjumio.
- SSocure
- EEquifax
- TTransUnion
- EExperian
Questions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
Which North America markets is it available in?+–
All 2: United States and Canada and more. Each country has its own page with the local bureaus, ID checks and payment rails.
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 North America?+–
Microfinance lending, Auto financing, P2P lending, Islamic financing, Business lending and Bank lending. Each one has its own page for North America.
Book a demo
Launching BNPL & POS lending in North America?
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