SPARK BNPL - Buy Now Pay Later

Request a Demo

Enabling compliant and scalable digital instalment payment experiences across the payment ecosystem.

  • Instant Digital Activation & Automated Eligibility

    Enable immediate BNPL enrolment through digital channels & mobile applications while assessing customer eligibility & calculating financing limits.

  • Regulatory Compliance

    Ensure adherence to evolving regulations through compliant financing and risk governance frameworks.

  • Merchant Settlement Certainty

    Guarantee immediate merchant payment while preserving customer repayment flexibility.

SPARK BNPL is a flexible and scalable Buy Now Pay Later solution that enables banks to offer compliant digital financing services across the payment ecosystem.

As banks expand their payment acceptance capabilities and introduce merchant-led financing at the point of sale, they require flexible and compliant Buy Now Pay Later solutions. 

  • Enable instant digital activation via mobile & digital channels 
  • Assess customer eligibility and financing limits in real time 
  • Guarantee merchant settlement certainty while preserving customer repayment flexibility 
  • Leverage existing payment infrastructure without increasing provider fragmentation 

SPARK BNPL delivers embedded instalment payment capabilities through automated eligibility management and real-time decisioning.  

The solution integrates seamlessly with existing payment infrastructures and supports scalable, compliance-ready digital financing services across the payment ecosystem. 

Automated Eligibility

Assess customer eligibility and calculate financing limits in real time through automated decisioning capabilities, enabling faster and more consistent financing approvals. 

Embedded Financing

Enable native Buy Now Pay Later services through embedded instalment payment capabilities, seamlessly integrated into existing payment journeys. 

Flexible Instalments

Support configurable repayment plans tailored to customer financing needs, offering greater flexibility at the point of sale. 

Merchant Acceptance

Enable omnichannel payment acceptance across the payment ecosystem, supporting consistent financing experiences across channels. 

Ready to Scale Buy Now Pay Later Services?

Key Benefits of SPARK BNPL

  • Infrastructure Efficiency 

    Leverage existing payment assets to optimize operational performance and maximize infrastructure capabilities.

  • Faster Deployment 

    Accelerate BNPL service rollout to achieve rapid market entry and seamless deployment.

  • Compliant Revenue Growth 

    Unlock new financing opportunities while maintaining strict governance and regulatory control.

Serving multiple payment stakeholders

Banks

Scalable payment solutions to run and modernize end-to-end payment journeys, adapted to local market requirements, while ensuring control, compliance, and scalability on a single platform.

Fintechs & Digital Banks

Modular, API-first payment software to build and launch payment solutions tailored to market-specific needs, accelerating innovation without sacrificing compliance.

Retailers

Secure and scalable payment software designed to support local and multi-market acceptance, enabling seamless payment experiences at scale.

Let’s talk

Explore how SPARK BNPL helps banks offer instalment payments through digital channels, assess customer eligibility in real time, and ensure merchant settlement at the point of sale.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
RGPD*

Extend your payments capabilities with SPARK end-to-end payment platform