Build Custom Point of Sale Lending Software
Offer seamless financing at checkout with scalable POS lending software built to fit retail, e-commerce, and B2B use cases.
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Finance at Checkout, Without Friction
Today’s consumers expect instant credit decisions and smooth installment options. With DrapCode, you can build your own point of sale lending platform that integrates directly into checkout flows, helping merchants close more sales and improve buyer experience.
Launch Scalable POS Credit Platforms
Whether you are enabling in-store, mobile, or online POS lending, DrapCode gives you the ability to configure rules, onboard merchants, and integrate repayment solutions into a fully functional point-of-sale lending platform—without writing code.
Key Features of Point of Sale Lending Software
Merchant Onboarding
Create customizable onboarding workflows for retail or digital merchants with branding, KYC, and contract upload.
Instant Loan Approvals
Configure eligibility logic for real-time loan decisions based on buyer profile, purchase size, or merchant category.
Split Payment Plans
Offer flexible repayment options—EMIs, split pay, or deferred billing—linked to individual purchase records.
Dynamic Credit Rules
Apply credit scoring, product-level financing rules, and risk parameters through easily editable visual workflows.
Omnichannel Lending
Enable POS lending via mobile apps, tablets, or integrated e-commerce checkout pages for complete flexibility.
Repayment Tracking
Allow customers to track payments, receive reminders, and clear dues through their POS lending dashboard.
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
Visual Loan Builder
Create POS lending software using drag-and-drop tools—customize logic, UI, and integrations without developers.
Multi-Channel Support
Build solutions for in-store, online, or mobile-based lending models with consistent customer and merchant experiences.
Secure Data Workflows
Ensure all borrower data is encrypted, access-controlled, and logged for compliance and auditing.
Fast API Integration
Connect easily with payment gateways, credit bureaus, or CRMs using DrapCode’s ready-to-deploy connectors.
Real-World Use Cases
Retail Checkout Financing
Enable seamless lending at retail counters or e-commerce checkouts using Peach Finance’s flexible APIs and credit logic.
EMI Management
Use LoanPro to structure EMIs, automate interest calculations, and track real-time repayment statuses for POS loans.
Integrated Payment Gateways
Connect Razorpay for instant transaction approvals, payment processing, and loan disbursals across multiple POS channels.
Implementation Workflow
Customizable Loan Dashboards
Borrower Profile Management
Loan Application Tracking
Credit Score Integration
UI Design
Design borrower interfaces, merchant dashboards, and approval modals with easy-to-use visual components.
Loan Rules
Set conditions for eligibility, interest rate brackets, and repayment frequency aligned to merchant or product types.
API Integration
Plug in credit bureaus, KYC systems, and payment APIs to automate checks and disbursals in real time.
Go Live
Deploy on retail POS systems, online stores, or mobile sales platforms and monitor performance in real time.
Embedded Finance Beyond Retail
Your POS lending software can evolve into an integrated finance engine. DrapCode enables connections with platforms like BNPL Platforms, Real Estate Crowdfunding, and Equity Crowdfunding to support hybrid finance models or alternative asset-backed lending.
Scale Securely with Industry-Trusted Tools
Build smarter POS finance systems integrated with proven tools such as Peach Finance, LoanPro, and Razorpay—bringing together compliance, agility, and modularity for your lending business.
Frequently Asked Questions
What is POS lending software?
Can this software be integrated with e-commerce platforms?
How can merchants benefit from POS lending?
Is DrapCode’s solution customizable for different industries?
How does repayment tracking work?
Start Building Your POS Lending Platform with DrapCode
Launch your custom point-of-sale lending software with built-in EMI workflows, merchant onboarding, and instant credit logic—no developers needed.