BNPL · Financial Services · Fintech
Credit approved in under 3 seconds
A BNPL fintech needed to decide credit at the register without stalling the sale. The platform approves in under 3 seconds, has already processed R$200 million, and connects 500+ merchants.
Transacted through BNPL
Credit approval time
Merchants integrated
Challenge
Challenges we know well
The client, a Brazilian BNPL fintech serving retail, needed a platform that could decide credit at the register to offer Buy Now Pay Later in the domestic market — without getting in the way of the purchase.
A real-time credit engine
The BNPL model demanded instant credit analysis and approval at checkout — impossible with traditional underwriting that took minutes or hours.
Simple integration for merchants
To scale the partner network, the platform needed an SDK that any online or physical store could implement in a few hours, with no technical complexity.
Risk and default management
Without robust predictive models, defaults could undermine the economics of the business; machine learning was needed to forecast and contain risk at scale.
Scale for millions of transactions
The platform had to grow with demand, supporting millions of BNPL transactions without degrading performance or availability.
Solution
Our approach
We built the complete BNPL platform: an intelligent credit engine, a merchant SDK, and an advanced risk management system.
01
Credit engine
A real-time credit analysis engine powered by machine learning, approving or declining transactions in under 3 seconds with high accuracy and low default rates.
02
Merchant SDK
An SDK and integration APIs that let merchants offer BNPL at checkout with less than a day of implementation, online or in store.
03
Risk management
A risk management system with predictive default models, automated collections and real-time monitoring dashboards protecting the business.
Results
Measurable impact
Numbers that reflect the scale and speed with which the client's BNPL platform won the market.
Volume transacted
Through BNPL installments
Credit approval
Average decision time
Merchants integrated
Online and physical stores
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View caseReady to launch your Buy Now Pay Later solution and scale your business?
Talk to our fintech specialists and find out how we can build your credit and payments platform.