Buy Now Pay Later integrated into your checkout
Offer installment payments to your customers and increase average order value by up to 30%. AI credit scoring with instant approval, credit risk entirely on us, immediate payout for the merchant.
Why Customers Abandon the Cart
When the total weighs too much on the monthly budget, conversions drop. These are the barriers BNPL removes.
Full amount too high upfront
68% of consumers give up a purchase when the total impacts their monthly budget. An interest-free installment option removes this barrier and increases order completion rates.
Traditional financing is too slow
Requesting documents, payslips, and waiting days for approval is incompatible with digital commerce. Your customers want answers in milliseconds, not weeks.
Complex checkout and high drop-off
Every extra step in checkout increases abandonment by 10%. BNPL must be embedded and invisible, with no redirects to external platforms.
How Installment Payments Work
From checkout to payout in 4 transparent, automated steps.
Checkout Selection
Customer selects installment payment as payment method at your online checkout or at the in-store POS.
AI Credit Scoring
Instant creditworthiness analysis via Open Banking and credit bureaus. Response in under 1 second.
Instant Approval
Customer is approved and selects preferred installment plan: 3, 4 interest-free payments, or up to 24 months.
Instant Payout
You receive the full sale amount immediately. Installments and debt collection are entirely managed by RoxPay.
Tangible Benefits for Your Business
Every RoxPay Buy Now Pay Later feature is designed to boost conversions, reduce risk, and simplify operations.
Real-time AI credit scoring
Predictive algorithms analyze hundreds of datapoints via Open Banking to assess risk in milliseconds. No documents required from the customer.
Credit bureau integration
Instant check against Crif and Experian for high amounts. Combined scoring that balances speed and reliability.
Customer onboarding in 30 seconds
The customer fills in minimal essential data. No payslips, no paperwork, no waiting. Mobile-first experience.
BNPL for businesses too (B2B)
Offer deferred payments to business clients with invoice financing and dedicated B2B credit scoring. Configurable limits by industry.
Debt collection included and managed
We handle reminders and collection of unpaid installments. You've already received the full amount at the time of purchase.
Cross-border coverage across Europe
Installment payments work with customers across Europe thanks to PSD2 harmonization and multi-country Open Banking compliance.
Installment Payments Integrated via API
RoxPay assesses customer creditworthiness in real-time through Open Banking and credit bureaus (Crif/Experian). AI credit scoring returns a response in under one second, with no paperwork. Full integration via RESTful API or plugins for WooCommerce, Shopify, and Magento.
- Split payment: 3 or 4 interest-free installments for the end customer
- Long-term financing: up to 24 months for high amounts with a customized plan
- White label: the entire experience stays in your brand, no third-party logos
- Omnichannel: available online, on mobile app, and on Smart POS in-store
Merchants integrating RoxPay installment payments report a 25-30% increase in average ticket size and a 40% reduction in cart abandonment.
Security and Guaranteed Regulatory Compliance
PSD2
Compliant with the payment services directive
Open Banking
Secure bank data access with customer consent
PCI DSS
Certified payment data protection
GDPR
Privacy protection and personal data compliance
Fashion E-commerce: +35% Average Order Value with RoxPay BNPL
Made in Italy Fashion E-commerce
Premium clothing e-commerce platform featuring over 200 Italian brands
Problem
72% cart abandonment rate on orders above €250. Customers hesitate in front of high-value purchases for premium items, causing a significant drop in conversions and average order value.
Solution
RoxPay BNPL integration via API at checkout: interest-free installment payments (3 or 4 installments), real-time AI credit scoring with Open Banking, 100% immediate payout for the merchant.
Result
Integration completed in 48 hours. Average order value increased by 35%, cart abandonment reduced to 41%, returns decreased by 18%. Zero default risk for the merchant.
Give your customers purchasing power
Integrate Buy Now Pay Later into your checkout and watch sales grow. Instant payout, zero credit risk for the merchant.