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BNPL42Buy Now Pay Later Platform

Cloud-native BNPL software for financial institutions and fintechs

Digital checkout

Responsive front-end-integrated checkout with real-time risk and fraud scoring, available for e-Commerce, point-of-sale and click-and-collect buy now, pay later scenarios.

Merchant-ready integration

Flexible integration tools ranging from REST APIs for large merchants to ready-to-go e-Commerce plugins for e-Commerce solutions (Magento, WooCommerce, Prestashop, etc.).

Consumer shopping app

Digital consumer shopping front-end implemented through hybrid mobile apps and websites with assisted contact-center-platform support.


A flexible platform enabling unique pay-later experiences, covering the entire end-to-end payment cycle, from the digital checkout experience at e-Commerce stores to POS capabilities at physical stores, using QR codes, and merchant apps. Consumers enjoy a fully-fledged digital-consumer-shopping app built using Kotlin and Swift and a React-based website front-end supported by a network of microservices. While merchants get support from the internal operations team and a full-feature, role-based self-service merchant portal with real-time access to all posted BNPL transactions.

Key features

Cloud-native application architecture

Operating fully on public cloud and based on a range of microservices implemented using our automated continuous integration / continuous deployment (CI/CD) pipeline.

Omnichannel design

Customer and merchant processes designed using an omnichannel approach with a common framework for website, app and contact-center support, offering the possibility of leveraging our end-to-end platform for PYCASO-assisted channels.

Real-time data-lake streaming

All events on the platform generate and stream real-time information to the data lake, which is used for fraud and risk decision-making models and sales campaigns.

High-level security

Credential-based authentication and OAuth 2.0, further strengthened by the addition of specific encrypted API keys for each merchant or payment service provider.

A flexible platform for flexible payments