BNPL

Fintech

BNPL App Development Company

As a leading Buy Now Pay Later (BNPL) app development company, Softcurators specializes in building perfect, secure and scalable BNPL platforms that allows businesses to offer flexible payment solutions to their customers. With the rise in e-commerce and shifting consumer preferences, BNPL solutions are changing the way people shop by allowing them to pay for purchases in easy instalments without any upfront costs.

Our custom BNPL app development services help fintech startups, retailers and financial institutions tap into this growing market, increase conversion rates and improve customer loyalty with personalized, transparent and compliant payment options.

Fintech

Why Buy Now Pay Later Solutions?

Buy Now Pay Later is transforming retail finance by :

  • Increasing Sales & Average Order Value: Customers can purchase more with the flexible payments.

  • Enhancing Customer Experience : Instant approval and transparent instalment plans develops the customer trust.

  • Reducing Cart Abandonment: Offering BNPL at checkout reduces resistance and boosts conversions.

  • Attracting Younger Consumers: Younger generations these days prefer flexible credit options over old-style loans.

  • Providing Competitive Edge: Merchants can separate themselves with innovative payment options.

Types of BNPL Apps We Develop

Closed Wallet App Development

Merchant Focused BNPL Apps

Integrated with retail and e-commerce platforms to offer instalment plans at checkout.

Prepaid Wallet App Development

Standalone BNPL Apps

Dedicated apps allowing users to shop across multiple merchants and manage installments.

Semi Closed Wallet App Development

B2B BNPL Platforms

Enable businesses to buy inventory or services on credit with flexible repayment schedules.

Core Features of Our BNPL Apps

User Panel
Merchant Panel
Admin Panel

- Easy Registration & KYC Verification

- Instant Credit Approval & Limit Display

- Flexible Installment Plans & EMI Calculators

- Transparent Interest & Fee Breakdown

- Order History & Payment Schedule

- Notifications & Payment Reminders

- Secure Payment Gateway Integration

- Real-time Transaction Dashboard

- Order & Payment Management

- Customer Credit Risk Assessment

- Integration with POS & E-commerce Platforms

- Settlement & Reconciliation Tools

- Promotional Offers & Discounts

 

- User & Merchant Management

- Credit Risk & Fraud Analytics

- Compliance & Regulatory Reporting

- Transaction Monitoring & Dispute Resolution

- Analytics & Business Insights

Advanced Features Of Our BNPL Apps

Real-Time KYC & Instant Loan Decisioning

Multi-Merchant & Omni-Channel Integration

AI-Powered Credit Scoring & Fraud Detection

Secure Cloud Storage & End-to-End Encryption

Multi-Currency & Multi-Language Support

Dynamic Payment Scheduling & Early Repayment Options

Regulatory Compliance & Security

We prioritize compliance and security to build trust and ensure smooth operations

Adherence to KYC/AML & data privacy laws (GDPR, CCPA)

Adherence to KYC/AML & data privacy laws (GDPR, CCPA)

End-to-End Data Encryption

End-to-End Data Encryption

PCI DSS compliant payment processing

PCI DSS compliant payment processing

Comprehensive audit trails and activity logs

Comprehensive audit trails and activity logs

Secure authentication with biometrics & two-factor authentication

Secure authentication with biometrics & two-factor authentication

Fraud Detection

Fraud Detection

Our BNPL App Development Process

This phase focuses on understanding client’s business model, defining project objectives, conducting competitor & market analysis and creating a planned roadmap. It make sure that your eWallet app aligns perfectly with your goals, target audience and future scalability plans.

Our designing team creates interactive wireframes and high-fidelity prototypes which ensures every user journey is unified and instinctive. The major focus remains on accessibility, usability and visual appeal to deliver an attractive experience that improves user retention and trust.

We develop a strong backend infrastructure and APIs while making a smooth and responsive mobile front end. Our developers makes sure about the clean coding, database structuring and a secure data flow for high performance, scalability and perfect app functionality across all devices.

We perform severe manual and automated testing for functionality, performance and security. Our QA team makes sure that code is bug-free, smooth navigation and fast response times, assuring your eWallet app runs perfectly under all load conditions and usage scenarios.

Once thoroughly tested, we deploy your eWallet app on app stores and production servers. Our experts handle configuration, optimization and store compliance, ensuring a smooth launch with zero downtime and immediate availability for your target audience.

After deployment, we provide continuous monitoring, maintenance and version updates. Our team ensures scalability, introduces new features and performs regular performance audits to keep your eWallet app secure, efficient and aligned with evolving market trends and technologies.

Tech Stack We Use

SoftCurators uses modern, scalable and future ready technologies for BNPL app development.

  • Flutter

     

  • React Native

     

  • Swift

     

  • Kotlin 
  • Node

  • Laravel (PHP)

  • Python / Django

  • Java / Spring
  • MongoDB

  • PostgreSQL

  • Firebase
  • Stripe, PayPal, Razorpay, Braintree

  • Bank APIs
  • OAuth 2.0

  • SSL/TLS Encryption

  • AES-256 Encryption

  • Biometric Authentication

  • Tokenization
  • AWS / Google Cloud / Azure

  • Cloud-based backups
  • Onfido / Jumio / IDology

  • AML Screening

Feel the difference

Industries We Serve

Fintech & Banking

Fintech & Banking

From money transfer apps, BNPL platforms, and crypto wallets, we’ve built secure, scalable fintech solutions.

Retail & eCommerce

Shopping apps, loyalty programs, and omnichannel retail platforms.

Education & Elearning

Education & Elearning

E-learning, online classrooms, and gamified learning experiences.

Travel & Hospitality

Travel planning Apps, hotel reservation platforms, guided tour apps which have loyalty programs, we create solutions that attracts user engagement and repeated business.

Healthcare & Fitness

Healthcare & Fitness

Telemedicine platforms, patient portals, and wellness apps with HIPAA compliance.

Fantasy Sports

From cricket and football to basketball and beyond, fantasy gaming is reshaping how fans engage with their favorite sports.

Showcasing Our Success in Mobile App Development

Ready to build your own BNPL app?

Let’s create a secure, scalable, and user-focused BNPL App that drives growth and customer loyalty.

FAQ

Frequently Asked Questions

Typically within 12 - 20 weeks depending on complexity.

The cost varies based on complexity, tech stack, and target platforms. Approx. ranges is between 10 - 40 K USD. Get a free quote from our experts for accurate estimation.

Yes, we provide smooth integration with popular platforms

Absolutely. We offer comprehensive post-launch support including updates, bug fixes, and feature upgrades.

Through AI-powered credit scoring and real-time data verification

Yes, our BNPL solutions are fully customizable by region and industry.

Lets Connect

Launch Your eWallet App with Confidence

    Mobile App Development
    Happy Clients
    1 +
    Team Members
    20 +
    Years Experienced Team
    1 +
    Projects Completed
    75 +

    Our Locations

    UAE Softcurators

    UAE

    India Softcurators

    India

    UK Softcurators

    UK

    USA Softcurators

    USA

    Client Stories

    Delivering secure, scalable, and high-performing solutions that clients love.

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