Buy Now, Pay Later (BNPL)

Buy Now, Pay Later (BNPL) is a payment method that allows consumers to make purchases and spread the cost over several instalments, typically without interest. The BNPL industry is shifting from a growth at any cost approach to a sustainable profitability goal. BNPL providers need to decision in real time for frictionless checkout experiences and require easy access to data to support accurate decisioning without hard credit checks.