ZenPay Later
Deliver flexible, frictionless credit experiences with instant approvals,
smart risk
models, and repayment journeys that strengthen
trust and boost customer lifetime
value.
Instant Credit at Checkout
Enable pay-in-3, pay-in-6, or deferred payment plans instantly.
Customer-friendly approval in seconds.
Seamless integration for ecommerce and POS checkout.
Minimal friction with OTP or biometric authentication.
Boost merchant sales and conversion rates with flexible credit.
Consumer & Merchant BNPL Models
Consumer-driven: Flexible repayment tenures and credit options.
Transparent fee-sharing models for merchants.
Merchant-driven: Zero-interest financing funded by the merchant.
Support for both online and in-store transactions.
Hybrid models combining consumer and merchant incentives.
Risk-Based Pricing & Credit Limits
AI-driven credit scoring using alternate and traditional data.
Automated collections and reminders for repayment.
Dynamic limit allocation based on repayment history.
Integration with credit bureaus and partner risk engines.
Risk-adjusted interest rates and fee structures.
Integration with Merchants
Plug-and-play ecommerce plugins (Shopify, Magento, WooCommerce).
Simple onboarding for SMEs and large retailers.
Lightweight SDKs for mobile and POS integration.
Real-time merchant dashboards for performance tracking.
Customizable white-label BNPL flows.
Ready to save time and launch 10X faster?
Start your journey with ZenPay — fast, flexible, and future-ready.