Buy now, pay later, built right.
Launch a BNPL programme on rails that pass committee. Real underwriting, real reconciliation, real controls, not a thin wrapper around a credit line that creates accounting complexity your finance team will spend months untangling.
Speed at checkout. Discipline in the back-office.
BNPL has grown faster than the infrastructure behind most BNPL programmes. The customer experience, instant approval, split payments, no friction, is well understood. What is less understood is what a BNPL programme looks like at scale from the back-office: thousands of short-term credit facilities opened daily, each with multiple instalments, each generating ledger entries, all needing to reconcile cleanly against merchant settlement and investor reporting.
Most BNPL programmes on generic lending platforms hit one of two problems. The underwriting is too slow, the credit decision lands after the purchase intent moment, losing the conversion. Or the accounting is messy, reconciliation between the BNPL product and the general ledger becomes a manual process that grows with volume.
Oradian's BNPL capability is built on the same real-time ledger and the same configurable lending engine as every other credit product. Underwriting happens in the path of the purchase. Every instalment posts to the ledger immediately. Reconciliation is not a project, it is a property of the architecture.
Everything a BNPL programme needs, on one platform.
Merchant-ready APIs
A complete API set for checkout integration, settlement, refunds and merchant reporting. Onboard merchants in days through a configurable merchant portal, with instalment structures, settlement terms and fee schedules set at the merchant level.
Configurable split-pay schedules
Pay-in-3, pay-in-4, monthly instalments and longer-term programmes, all configurable per merchant, category or segment. New terms go live through configuration, not a vendor release cycle.
Real underwriting at the point of purchase
Pluggable scoring at the moment of purchase, your model, a bureau or alternative data, run in the transaction path. Reach thin-file customers in emerging markets through wallet, utility and behavioural signals assessed in sub-second response time.
Collections built in and automated
Automated reminders, retry logic, configurable hardship paths and escalation workflows, all configured in the platform, triggered by core events, recorded in the audit trail. Scale volume without proportional headcount.
Clean accounting, every leg, in real time
Every instalment, payment, refund and fee posts to the same general ledger as every other product, the moment it occurs. No shadow ledger, no month-end reconciliation project.
Sub-second decisions in the purchase path
Credit decisions in the transaction path with latency measured in milliseconds. The customer's purchase flow isn't interrupted by a visible decision delay.
Where AI makes BNPL better.
Dynamic credit limits
AI models that adjust limits based on real transaction behaviour, repayment history, spending patterns, income signals, improve conversion rates and portfolio quality at the same time.
Early default prediction
Identify BNPL borrowers likely to miss their next instalment 7, 14 days before the payment date, creating the window for proactive outreach that prevents default rather than pursuing it.
Merchant risk monitoring
AI monitoring of merchant-level transaction patterns, value spikes, anomalous refunds, unusual settlement requests, provides early warning before merchant fraud or operational problems become losses.
Launch BNPL on banking-grade rails.
Merchant BNPL with native risk, settlement and lifecycle on Oradian, not a bolt-on integration.
Talk to the BNPL team