Checkout integration
API, plugin-ready widget and payment link to add instalments to any checkout.
Buy now, pay later (BNPL) and POS financing software
In short
BNPL software lets lenders, retailers and payment companies offer instalments at the moment of purchase – online at checkout or in store. Finsora provides merchant onboarding, a checkout API and widgets, instant approval, split-payment schedules, merchant settlements and a customer portal, with the creditworthiness checks and disclosures that the EU Consumer Credit Directive now applies to BNPL.
Updated:
Buy now, pay later (BNPL) software
Key features
Instant approval
Lightweight application with automated checks and decision during checkout.
Split payments
Pay-in-3/4, monthly instalments and promotional 0% plans configured per merchant.
Merchant management
Onboarding, commission plans, settlements and reports for each merchant.
Customer portal
Customers see their purchases, schedules and can pay early or change payment method.
Who it's for
Who it's for
- BNPL and POS financing providers
- Retailers and e-shops
- Payment service providers
- Consumer lenders adding a checkout product
Capabilities and integrations
- Checkout API
- Payment links
- Merchant portal
- Card and bank payments
- Webhooks
- Customer app
- Settlement reports
How implementation works
How implementation works
01
Model design
Products, pricing, merchant plans and risk rules.
02
Checkout setup
API and widget integration with your merchants' platforms.
03
Compliance flows
Disclosures, consents and creditworthiness steps for your markets.
04
Launch
Pilot with first merchants, then scale.
Buy now, pay later (BNPL) software
Frequently asked questions
What is BNPL software?
BNPL software manages buy now, pay later credit: approval at checkout, instalment schedules, collections from customers and settlements with merchants.
Is BNPL regulated in the EU?
Yes – the revised Consumer Credit Directive (EU) 2023/2225, applicable from 20 November 2026, brings most BNPL arrangements into scope, with some exemptions that member states may apply. Check the national rules in each market.
Can merchants integrate easily?
Yes. Merchants can use the REST API, an embeddable widget or payment links, depending on their platform.
Can we offer 0% promotional plans?
Yes. Merchant-subsidised plans and commission models can be configured per merchant.
Related solutions
Demo
See it on your use case
Request a demo – we reply within 1 business day.
- Fast to launch
- Configurable, not rigid
- Your brand
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