BNPL.
Merchant credit on banking rails.
Launch buy-now-pay-later with native risk, settlement and lifecycle on a regulated, AI-native core.
BNPL as a real banking product, not a bolt-on.
Most BNPL platforms are bolt-ons. Oradian gives you BNPL as a native product on the same core that runs your deposits, cards and credit lines, with the AI underwriting, the merchant settlement engine and the collections workflow already wired together.
BNPL capabilities, end to end.
Merchant onboarding
KYB, contracts, fee structures and payout configuration through API or partner portal.
Native AI underwriting
Real-time approval at checkout using your alternative-data scoring stack.
Schedule + collections
Generate amortisation, trigger reminders, escalate to AI Collections, all on one platform.
Merchant settlement
Net settlement, MDR accounting, dispute handling, fully reconciled to the GL.
Compliant by default
Disclosures, cooling-off, hardship and complaints handling wired to your regulatory regime.
Plug into any checkout
REST + webhooks + SDKs. Embed BNPL anywhere your merchants need it.
Ship BNPL as a real banking product, not a bolt-on.
Talk to the Oradian team about putting BNPL into production on your core.