Buy now, pay later, from onboarding to settlement
Offer instalment payment at the counter and online without stitching together separate systems. Merchants are onboarded once, every purchase is decided in real time, and settlement and reconciliation follow on the same platform.
One path from merchant to money
Each stage is a momentPay component, so nothing is re-keyed or re-integrated between them.
- Onboard
- Decide
- Accept
- Settle
- Reconcile
Everything a BNPL programme needs on one platform
Merchant onboarding
Bring merchants on to shared merchant data, settlement engine, security and APIs, then add channels as they grow.
Real-time decisioning
momentPay Shield scores every request and returns approve, review or decline in under 10 milliseconds.
No-code risk rules
Change policy in a rules engine without a release, backed by machine learning, watchlist screening and velocity analytics.
Accept in store
momentPay Collect connects to the ERP, ECR or POS a merchant already runs, so instalment payment appears at the billing counter.
Accept online
momentPay Orchestrate covers payment links, forms, recurring billing, e-commerce, app and marketplace checkout.
Settle and reconcile
Multi-currency settlement, then four-way matching from bank statement through to the ledger.
Worth knowing. Merchant lending (BNPL) sits in the Enterprise stage of the momentPay Acquiring roadmap. The platform underneath it, from onboarding to reconciliation, is what you start with today.
The momentPay products behind it
momentPay Acquiring
Merchant onboarding, gateway, settlement and the staged path to merchant lending.
Explore momentPay AcquiringmomentPay Reconcile
Matches settlements to transactions and writes the result into your accounting system.
Explore momentPay ReconcileOther things teams build on the same platform
Tell us what you want to launch
We will map BNPL to the products and the shortest rollout path, then scope a proof of concept.