Buy Now Pay Later.

In an innovative market, today's Buy Now Pay Later (BNPL) provider often ignores the needs of the retailer with out of the box features and rules baked in, leaving little room for personalisation to meet the specific needs of your customers' finances. With our API connectivity you can have far more control over the BNPL services you want to offer. From a soft credit check and affordability checks, to missed payments and last payment, we can design new rules and deliver exactly the BNPL solution you need.

Point of Sale lending you can make your own.

Our vast experience with lenders, and fully flexible BNPL platform, mean we can support whatever innovative credit offering the vendor desires. BNPL products are another element that our modularity and flexibility means we can offer seamlessly to our clients, creating intelligent credit agreements and flexible BNPL products that directly address the needs of the customer, providing services from making repayments to avoiding late fees.

Our loans platform enables staff users to self-serve and create BNPL, Revolving Line of Credit (and other!) credit products and deploy them direct to customers.

BNPL solutions can include a specific promotional period or totally interest free credit (i.e zero interest and no repayments) offerings, interest bearing but without payments (ballooning debt), interest bearing with payments (resulting in balance going above or below) as well as consumer protection and bespoke new rules on late fee charges, or pretty much whatever else you can think of.

Your customers, your journey.

Our quant layer allows staff users to directly amend their BNPL agreement, set credit rating requirements, price product economics, fees (if any) and the ability to service consumers accounts, all in one place. From a utilisation perspective we have a flexible API that can be integrated with an existing front end service or used to model a standalone app so you can build exactly the journey you want your customers to experience.

Once you've onboarded a BNPL customer, our API gives you access to all the information and actions you need for protecting consumers and to manage their account from simple views of payments and credit agreements, to detailed forbearance events to help customers manage their debt. We also have strategic partnerships with key players in other services, so we can integrate things like AMLP, KYC and credit reference agencies, to provide greater value and ease of integration for our clients.

See what our BNPL offering can do for your business.

Get started now

See what we our BNPL offering can do for your business.

Get started now

Latest News.

Buy Now Pay Later – A boost for business

It’s a massive topic in the financial industry right now, and we’ve already talked a bit about the ‘standard’ Buy Now Pay Later (BNPL) model, where consumers can access instant lending at point of sale to spread the cost of their purchases. This version pretty much does what it says on the tin, and is being adopted at an astounding rate, but there are still a lot of questions around how to make it safe and ethical for the customer and the industry.

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4 mins read


Banking as a Service

Our BaaS offering allows new or emerging companies with innovative ideas for financial products to avoid the hassle of applying for their own banking licence. You can build… your offering on Yobota’s super flexible, cloud-native core, and launch your… products to market using the licence of an existing bank, like that of our partner company, Chetwood Financial.

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