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Buy Now Pay Later

A Software For Pay Later Financing

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Benefit of using ABLE Platfrom for BNPL

Rapid Launch

Launch your BNPL products faster with our no-code backend tool.

Smart Decisioning

Enrich you scorecards with additional data for fast and secure onboarding


Agile changes and scale your business without compromise

Launch Buy Now Pay Later and outstrip competitors

Many businesses have turned to Buy Now, Pay Later recently. It has been gaining its popularity since the pandemic with more consumers shopping online. ABLE Platform allows BNPL lenders faster go ot market and do a quicker credit check.

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Who needs BNPL?


Boost your sales with new payment service. Launch your point of sale instalment loans within a couple of weeks. Loans approved in seconds with enriched decisioning.


By making purchases more affordable through BNPL platform, eCommerce can expand their customer base to include buyers who would typically not have the ability to pay.


Turn your data into sales. Telecoms can do up-sell and cross-sell  to existing customers with no risk and grow their brand awareness and customer loyalty.

Explore the power of advanced scoring

Some BNPL lenders lack data to do the credit check. Using data enrichment connectors may drastically improve the scoring efficiency. At ABLE Platfrom we use our own no-code engine for easy connect of new data sources.

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There is no doubt that BNPL will continue to attract young shoppers and older generations that don’t have a credit card.
Elise Thrale

Buy now, pay later has become the world’s fastest-growing e-commerce payment method… The number of users is growing every day and exceeds 45 million in the US alone. New BNPL players are born every month.
Pawel Stezycki

There are now 50+ fintechs driving BNPL services across the globe — with banks and other transaction-based businesses eager to get in on the act. The sheer number of competitors in the space is an indication that we should pay attention to this payment method and where it might be heading.

Advantages of Buy Now, Pay Later

ABLE Platform software enpowers BNPL lenders with a powerful yet simple tool for retail financing.

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Easy onboarding

Simple yet powerful automation for smooth onboarding

Less Risk

Advanced loan monitoring and early warning for default prevention

Smart decisioning

No-code decision engine powered by AI

Easy Integrations

Add new data points on the go without the IT department

Questions? Answers.

What is BNPL?

Buy now, pay later is a type of short-term financing that allows consumers to make purchases and pay for them at a future date. BNPL is generally structured like an installment plan money lending process that involves consumers, financiers, and merchants.

How does buy now, pay later work?

Here is how the BNPL process works for both consumers and retailers.

  1. A customer shops as normal and begins the checkout process.
  2. The retailer’s chosen BNPL vendor presents the option to buy now and pay later.
  3. The lender runs a soft credit check on the customer.
  4. The BNPL vendor charges a fee to the retailer.
  5. The customer pays off the balance over time.

Advantages of BNPL for customers

As a consumer, you enjoy several potential benefits when using a BNPL service.

  • It’s an equalizer for those without credit cards. A significant minority of customers (about 20%) do not have a credit card, and the majority (55%) of those with a credit card has maxed out at least one card. A BNPL service offers many of the same benefits as a credit card but for smaller, individual purchases. You can even use a BNPL service like a credit card by requesting a virtual card number in advance of your purchase. This card number will cover the exact amount of money needed to complete your purchase. You do all this on the BNPL vendor’s website or via its smartphone app.
  • Flexible payment options. Most BNPL services offer options to customers at the point of sale. As a customer, you can pay the full purchase price using the BNPL service, or you can split your purchase between BNPL and some other payment source (like a debit card).
  • Options for interest-free payments. If you choose a short loan period and make your payments on time, you can borrow money without paying any interest. 
  • Soft credit checks have no impact on your credit. Most BNPL vendors run soft credit checks on their clients to affirm their eligibility for a loan. Unlike a hard credit check, this will not dent your credit score. On the other hand, if you are late in your payments to your BNPL vendor, this does get reported to credit bureaus, much like when you’re late on credit card payments.

What are the benefits of BNPL for merchants?

  • Expanded Customer Base by making larger purchases more affordable through BNPL
  • Improved Customer Experience by giving choices about their preferred payment options and more control over purchasing decisions.
  • Greater Customer Loyalty. 76% of U.S. consumers are more likely to make a retail purchase if a payment plan backed by a simple and seamless point-of-sale experience is offered.
  • Higher Average Ticket Size. Smaller, incremental payments ease the initial financial burden, empowering additional purchases. 
  • Higher Conversion Rates by reducing cart abandonment by making it possible for customers to pay over time instead of all at once. 

Flexibility to adapt to the evolving market and changing regulation

ABLE Platform allows to launch new products with feature-reach product catalog functionality. Business users can change decisions logic without code to comply with changing regulation.

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