Finacle is a global company with multi-country expertise, capability and reach
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OVER A BILLION PEOPLE
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A Scalable BNPL Engine for Future-Ready Financial Institutions
Finacle BNPL is a microservice-based, modular backend solution that empowers banks and financial institutions to launch and scale Buy Now, Pay Later offerings with speed and agility. Designed as a lightweight layer, it can seamlessly operate over any existing core banking system, without the need for extensive modifications. The solution provides effortless integration through a suite of open APIs and loosely coupled microservices, ensuring interoperability and faster time-to-market. With BNPL rapidly becoming a preferred payment method, Finacle BNPL enables institutions to tap into this growing demand by supporting a wide range of BNPL use cases whether embedded in e-commerce platforms, integrated at physical point-of-sale terminals, or delivered through digital banking channels.
Designed to Empower Your BNPL Strategy
Every step from setup to servicing is streamlined to give banks full control and speed in delivering BNPL at scale.
BNPL Setup: Configure BNPL products across loan types and set up provider contracts.
Customer Signup: Onboard customers and assign limits using existing credit engines.
Transaction Conversion: Convert purchases into loans and disburse credit accounts with agreed terms.
Interest & Fees: Manage interest and fees like subscription, processing, late payment, and foreclosure.
EMI Schedule: Auto-generate and display EMI and amortization schedules.
Flexible Billing: Support customer-level or transaction-level billing with monthly statements.
Collections & Apportionment: Process payments and allocate them flexibly across bills.
Account Closure: Handle maturity and pre-closure.
Finacle BNPL Advantage for Banks
Whether you're launching BNPL for the first time or expanding existing programs, Finacle equips you to move fast, adapt faster, and deliver consistently.
Faster Rollouts, Wider Reach: Scale quickly across merchants and regions to meet soaring BNPL demand.
Flexible BNPL Models: Offer multiple BNPL options - direct-to-merchant, customer-segmented, or marketplace and turn competition into opportunity.
Unparalleled Configurability: Tailor terms, fees, and payment plans for any channel e-commerce or point-of-sale with pre-approved or on-demand credit.
Frictionless Customer Experiences: Delight customers with instant decisions, flexible EMIs, and smooth, embedded checkout.
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