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.

CUSTOMIZABLE PAYMENT-EXPERIENCE platform

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.

BNPL42 off-the-shelf sites for merchants, developers and customers deployed by Zinia in Germany and the Netherlands

Merchant portal

Self-service website platform for merchants to manage checkout transactions and settlements, and shipping and billing processes.

Customer website and app

Website and app offerings for customers to view their checkout transactions and manage their BNPL payment schedules.

Developer site

Access to all documentation and development assets for successful integration with Zinia via APIs and e-Commerce platform plugins.