auto_awesome New: Introducing AI Builder

Build BNPL Platforms for Credit Experiences

Launch scalable, flexible BNPL (Buy Now, Pay Later) platforms with custom billing, repayment logic, and merchant integrations using DrapCode.

Get Started Book Free Consultation

manage your work

Extend Credit with Buy Now Pay Later Logic

BNPL platforms allow customers to split purchases into installments while businesses receive upfront payments. DrapCode’s no-code platform helps you develop robust BNPL software, supporting merchant onboarding, transaction workflows, credit checks, and compliance in record time.

Check our Integrations

Easy Planing

BNPL for Business & Bill Payments

Whether building BNPL for business payments, consumer financing, or e-commerce bill splitting, DrapCode lets you configure repayment terms, integrate payment processors, and set merchant-specific rules—all from a single dashboard.

Start The Conversation

Key Features of BNPL Platforms

Merchant Onboarding

Dynamic Installment Rules

Define repayment structures, tenure limits, interest-free periods, and late fee policies.

Payment Gateway Integration

Integrate with Razorpay, PayPal, or Stripe for secure checkout and instant fund transfer.

EMI Auto-Scheduler

Automate installment generation, reminders, and default handling.

User Credit Limits

Assign dynamic spending limits based on history, credit score, and repayment behavior.

Billing Dashboard

Track bills, dues, settlements, and transaction status in real time.

DrapCode is an easy-to-use no-code platform with a drag-and-drop interface, making it accessible for non-developers. The support team is highly responsive and dedicated to user success.

Joseph Young

President - Renew Hope And Healing

We partnered with DrapCode to develop our new Automated CRM using their low-code platform. Outstanding quality at half the price, unmatched speed, and excellent customer service.

Cal Goggans

Founder - A Custom Fit iNMotion

DrapCode stands out as the best. Flexible, scalable, and supported by an expert team. After 3 years on another tool, DrapCode is simply superior.

Cory Nation

President - Embark EMR

Our benefits

Why Build with DrapCode

Launch Faster

Deploy BNPL platforms quickly using prebuilt lending, billing, and credit modules.

Regulatory Compliance

Support credit checks, interest rules, and digital agreements aligned with regulations.

Business & Consumer Models

Run BNPL for B2C retail, healthcare, SaaS, or B2B finance from one system.

Integrate & Scale

Extend into POS lending, working capital finance, or mortgage lending platforms.

Real-World Use Cases

Embedded BNPL at Checkout

Use PayPal to offer split payments at checkout with dynamic merchant terms and payouts.

BNPL for Utility Bill Payments

Use Payliance APIs to offer BNPL for electricity, mobile recharge, and municipal services.

Credit-Checked Installment Loans

Use Factual Data to check credit scores and auto-assign spending limits for BNPL purchases.

Deployment Process

UI Setup
Logic & Workflows
API Integrations
Testing & Launch

Schedule A Demo

Step - 1

UI Setup

Design consumer and merchant interfaces using drag-and-drop builders.

Step - 2

Logic & Workflows

Configure repayment, interest, late fees, and approvals visually.

Step - 3

API Integrations

Connect to payment gateways, credit bureaus, and underwriting services.

Step - 4

Testing & Launch

Test full transactions and deploy BNPL with live merchant flows.

Easy Planing

Adapt to Any BNPL Use Case

From B2B SaaS subscriptions to e-commerce retail and POS terminals, DrapCode’s modular platform supports any BNPL business model. Easily connect to your Working Capital Finance Software for a complete lending solution stack.

Get in Touch