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.
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 merchants' onboarding, transaction workflows, credit checks, and compliance in record time.
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.
Key Features of BNPL Platforms
Merchant Onboarding
Register merchants, upload documents, and verify eligibility with custom KYC and onboarding workflows.
Dynamic Installment Rules
Define repayment structures, tenure limits, interest-free periods, and late fee policies per merchant or product type.
Payment Gateway Integration
Integrate seamlessly with providers like Razorpay, PayPal, or Stripe for secure checkout and instant fund transfer.
EMI Auto-Scheduler
Configure automated installment generation and reminders with built-in logic for early repayment and defaults.
User Credit Limits
Assign flexible spending limits per customer based on transaction history, credit score, and repayment patterns.
Billing Dashboard
Enable real-time tracking of bills, payments due, settled accounts, and transaction status from one screen.
We've been using DrapCode for the past year to host our fintechs web application, and what's been most impressive is the number of plugins and customizable options available right out of the box. As a tech founder, the flexibility of the platform to meet my specific needs is crucial and the team at DrapCode has delivered on that front and made the process seamless and user-friendly.
Aviv Baron
Founder - Direct Payment Group | USA
Drapcode is an amazing tool to build custom SAAS or internal web app without writing code. Porting over an ASP.net project to Drapcode was easier than I thought. With all the tools I needed in one platform, it allowed me to create a working version within a few weeks, almost 2 months ahead of schedule! But the best feature of all is customer support. Their insights, directions, and super videos on YouTube has made my development journey much easier
Jay Paul
President - Uptrend Motion | USA
Why Build with DrapCode
Launch Faster
Go live within days using prebuilt BNPL modules for billing, user limits, and merchant-led lending experiences.
Regulatory Compliance
Support credit verification, interest calculations, and digital agreements that align with lending regulations.
Business & Consumer Models
Whether you're building BNPL for B2C or B2B, DrapCode helps you scale across retail, healthcare, or SaaS.
Integrate & Scale
Plug into Point of Sale Lending Software, Working Capital Finance Software, or a Mortgage Lending Platform to extend BNPL to new segments.
Real-World Use Cases
Embedded BNPL at Checkout
Integrate with PayPal to offer split-payment options at checkout. Manage merchant terms, payouts, and buyer billing cycles dynamically.
BNPL for Utility Bill Payments
Use Payliance’s payment APIs to build BNPL bill payment systems for electricity, mobile recharge, and municipal services.
Credit-Checked Installment Loans
Enable BNPL for high-value items by integrating Factual Data for borrower credit score checks and automated limit assignment.
Deployment Process
Customizable Loan Dashboards
Borrower Profile Management
Loan Application Tracking
Credit Score Integration
UI Setup
Design consumer and merchant-facing interfaces using DrapCode’s drag-and-drop layout builder.
Logic & Workflows
Add repayment logic, interest rules, late fees, and approval triggers within workflow builders.
API Integrations
Connect to credit bureaus, payment processors, and underwriting tools via secure API connectors.
Testing & Launch
Run full test transactions, review repayment behavior, and launch your BNPL platform with real merchant flows.
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 or POS Lending System for a complete lending solution stack.
Scalable Credit Infrastructure
With prebuilt modules and full customization, DrapCode ensures you can evolve from basic BNPL features to full-fledged consumer credit offerings, including integrations with mortgage or buy-now-pay-later software.
Frequently Asked Questions
What is a BNPL platform?
Can I build a BNPL solution for bill payments?
Does DrapCode support credit checks?
How customizable are merchant rules?
Can I scale BNPL across industries?
Ready to Launch Your BNPL Platform?
Design scalable BNPL platforms for business or retail, customized for merchant needs and repayment workflows with DrapCode.