Split payments at checkout—merchant integration, credit decisions, and collections with disclosures consumers and regulators understand.
Checkout conversions up—clear installments, clear late fees, clear credit checks
We embed BNPL widgets in merchant checkouts with soft/hard pull policies per your program. Schedules, reminders, and dunning reduce defaults; merchant settlement files reconcile daily. Regulatory posture (UK FCA-style, US state laws) is configuration-driven with counsel—not afterthought copy.
01 // THE MANDATE
Split payments at checkout—merchant integration, credit decisions, and collections with disclosures consumers and regulators understand.
We embed BNPL widgets in merchant checkouts with soft/hard pull policies per your program. Schedules, reminders, and dunning reduce defaults; merchant settlement files reconcile daily.
Regulatory posture (UK FCA-style, US state laws) is configuration-driven with counsel—not afterthought copy.
02 // ENGINEERING
Development process
Structured phases—from discovery to launch—with clear ownership and handoff points.
Program design (weeks 1–4)
MVP (weeks 4–14)
Merchant scale (weeks 10–18)
Launch (weeks 16–22)
Operate (ongoing)
03 // CAPABILITIES
Core Capability Matrix
The building blocks of your solution
Checkout
widget, merchant SDK, session tokens.
Underwriting
partner APIs; decline reasons policy.
Plans
pay in 4, monthly installments; interest rules.
Servicing
reminders, retries, hardship flows.
Merchant
portal, disputes, settlement reports.
Compliance
disclosures; credit reporting hooks optional.
Fraud
device, velocity, merchant collusion checks.
Analytics
approval rate, loss rate, GMV, repeat usage.
API
e-commerce plugins; headless JSON.
Admin
manual adjustments; collections handoff.
04 // DELIVERY LIFECYCLE
The strategic roadmap
Milestones and checkpoints—each phase has a clear outcome before the next begins.
Weeks 1–4: Legal sign-off, pilot merchants.
Weeks 5–12: Sandbox transactions; UX polish.
Weeks 10–18: Live traffic small %; KPIs tracked.
Weeks 17–22: Ramp; marketing to merchants.
Ongoing: New markets; card product optional.
05 // PRODUCT SCOPING
Choosing your path
Two engagement models—start lean and iterate, or commit to a full platform build from day one.
MVP
Speed & essentialism
Full product
Enterprise maturity
06 // PARTNERSHIP
Why work together
A single accountable partner across strategy, build, and go-live—not a revolving door of vendors.
End-to-end ownership: discovery, architecture, implementation, and launch—with clear communication and production-grade engineering.
- Discovery & alignment
- Systems that scale
- Implementation depth
- Clear comms
07 // CLARITY
Frequently asked
Vertical-specific UX and merchant pricing can differentiate—custom stack when economics require control.
08 // MORE SOLUTIONS
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Tell me about your product goals and timeline—I'll respond with a clear path forward.