BNPL Platform
Buy Now, Pay Later services with installments and merchant integrations.
⚡ LIVE: hover any module
Overview
SGT BNPL Platform turns any checkout into a Pay-in-4 (or Pay-in-N) experience — interest-free for shoppers, paid-up-front for merchants. A real-time eligibility engine performs a soft-pull bureau check plus open-banking affordability assessment in under 200 ms, then schedules four equal instalments and auto-debits them every two weeks.
Built for online and in-store merchants, marketplaces, and embedded-finance partners who want higher AOV, higher conversion, and zero credit risk — SGT carries the receivable, handles servicing, and pays the merchant T+1.
- Pay in 4 instalments — 25% today, then every 2 weeks; 0% interest if paid on time
- Sub-200ms eligibility — soft-pull credit, no impact, open-banking cashflow check
- +38% AOV / +24% conversion — measured median across merchant cohorts
- FCA / state-licensed — affordability-led, vulnerability framework, cooling-off rights
How It Works
The diagram shows the four layers of a BNPL deployment. Hover any module to see live telemetry.
- Shopper Checkout — checkout widget displays Pay-in-4 alongside Pay-now and Pay-monthly; the 4-circle timeline shows when each instalment hits; clean trust strip, eligibility ribbon, total/interest/late-fee summary.
- Eligibility Engine — 4-stage pipeline (intake → soft bureau pull → open-banking cashflow → affordability decision) with explainable score, dynamic credit limit, and instant approve / decline / counter-offer.
- Repayment Schedule — per-loan plan view (1 paid, 1 due-soon highlighted, 2 scheduled), progress bar, multi-channel reminders (push / email / SMS / DD retry), pay-early CTA.
- Merchant Dashboard — AOV / conversion uplift, today's volume and net settlement, 7-day sparkline, integration status (Shopify / Woo / Magento / API), refund & dispute view — merchant is paid in full regardless.
A continuous feedback channel pushes limit bumps, repricing, merchant-specific offers, and refund-flow updates back into checkout — the pink stream along the bottom.
Features
- Pay-in-N flexibility — Pay in 3, 4, 6, or 12; mix per-merchant or per-cart-size
- Interest-bearing tier — longer plans with transparent APR (e.g., 6/12/24 months)
- Soft-pull eligibility — bureau check with zero score impact (Experian / Equifax / TransUnion)
- Open-banking affordability — 90-day cashflow read via PSD2 AISP licence
- Dynamic credit limit — starts low, grows with on-time repayment behaviour
- Vulnerability detection — flag indicators (gambling, payday, missed essentials), pause offering
- Cooling-off & consumer rights — 14-day right of withdrawal, partial refunds, dispute portal
- Merchant settlement T+1 — paid in full minus MDR; SGT carries credit risk
- Refund flow — partial / full refunds adjust remaining instalments automatically
- Marketplace mode — split MDR across multiple sellers in one cart (Amazon / Etsy style)
- In-store QR — generate a one-time QR for offline checkout, same eligibility flow
Use Cases
- Fashion & apparel — high-AOV impulse, return-friendly
- Electronics & appliances — £500–£3K tickets, 6-12 month interest-bearing tier
- Health & beauty — clinics, dental, optical, cosmetic procedures
- Travel & hospitality — flights, holidays, hotel stays, split across booking-window
- Home & furniture — bigger-ticket purchases with longer terms
- Embedded finance — neobank or wallet adds BNPL inside its own app, white-label
Specifications
- Plan types: Pay-in-3 / 4 / 6 (interest-free) · 6 / 12 / 24-month interest-bearing
- Ticket size: £1 – £25,000 retail · up to £100,000 B2B BNPL
- Decision time: p50 142 ms · p95 188 ms · soft-pull only at checkout
- Bureau partners: Experian, Equifax, TransUnion, CIBIL, plus open-banking AISP feeds
- Fraud: device fingerprint, velocity, BIN-checks, behavioural biometrics; chargeback < 0.05%
- Merchant integrations: Shopify, WooCommerce, Magento, BigCommerce, Salesforce Commerce, custom REST / GraphQL
- Settlement: T+1 to merchant via Faster Payments / SEPA / ACH; net of MDR (typically 2-5% + fixed)
- Consumer compliance: FCA (UK), CFPB (US), MFSA (EU), affordability-led, vulnerability framework
- Security: SOC-2 Type II, PCI-DSS L1, ISO 27001, AES-256 at rest, TLS 1.3, MFA
Customization Options
- Plan offering — Pay-in-3, Pay-in-4, Pay-in-6, or interest-bearing 6 / 12 / 24-month at transparent APR
- Eligibility model — bureau-only (fast), open-banking-enriched (accurate), or merchant-scored (own model)
- Ticket bands — micro (£1-£100), retail (£100-£2K), big-ticket (£2K-£25K), B2B (up to £100K)
- Vertical pack — fashion, electronics, health & beauty, travel, home & furniture, B2B procurement, embedded
- Late-fee policy — fee-free (recovery-only), capped fees (eg £6 / max £24), or interest accrual on overdue
- Settlement — T+1 net (standard), T+0 same-day (premium), or T+30 deferred for cashflow optimisation
- Refunds & disputes — full SGT-handled, merchant-shared, or partner-managed with SGT escalation
- White-label option — your branding at checkout, your-app integration, partner-specific merchant catalogue, MDR revenue-share
Type
Website
Tier Pricing
1–10 units: $0.00
11–20 units: $0.00
50+ units: $0.00
Price Range
Negotiable
Select Units (MOQ: 1)