Mambu for BNPL
Increase conversion with Buy Now, Pay Later at checkout
Launch flexible BNPL offerings with real-time credit decisions at the point of sale. Increase conversion, grow basket sizes, and scale instalment lending with confidence.
The Buy Now, Pay Later opportunity
BNPL has moved from niche to mainstream, and growth isn't slowing.
Transaction volumes have grown more than tenfold in under a decade. Across retail, travel, and digital commerce, customers increasingly expect flexible payment options at checkout.
$911.8B
Market
Buy Now, Pay Later is projected to reach this in global transaction value by 2030.
12X
Growth
The market has expanded between 2016 & 2024, making BNPL one of the fastest-growing payment types.
500M+
Users
People worldwide now use BNPL across retail, travel, food delivery, and beyond.
Mambu for BNPL
Configure, launch, and lead the BNPL market
Mambu gives banks, fintechs, BNPL providers, and retailers the configurable lending engine and API-first platform to launch high-velocity BNPL offerings and scale them profitably.
For banks
Turn regulatory scrutiny into competitive advantage. Launch transparent, compliant BNPL products on a proven core banking platform, and give customers the flexible payment options they actually trust.
For fintechs and lenders
Get to market without building from scratch. Plug into a composable lending engine, connect best-in-class partners for KYC and scoring, and scale across products and geographies from day one.
For BNPL providers
Move beyond legacy infrastructure. Mambu's high-velocity lending engine is built for the low-latency, high-volume demands of modern instalment credit, without the operational overhead.
For retailers
Embed BNPL directly into checkout. Increase average order value, reduce abandonment, and keep customers — and their data — inside your own ecosystem.
BNPL capabilities
End-to-end BNPL, built on a configurable lending engine
Configure products, manage lending lifecycles, and orchestrate payments from a single BNPL platform.
Configure your offering, your way
A highly flexible foundation to build your BNPL product on your terms, not a generic template.
Custom pricing
Set pricing strategies, interest rates, and fees tailored to your product and market.
Custom data fields
Capture unique data points, from basket details to merchant conditions, without workarounds.
Payment account linking
Connect directly to payment accounts for smooth, reliable settlement at every stage.
From origination to servicing and beyond
Manage the full BNPL lifecycle in one place, from origination through to collections.
Account setup
Manage account creation, down payments, fees, and payment account configuration in one place.
Loan rescheduling
Reschedule or refinance existing loans to create new schedules or adjust principal balances.
Lifecycle management
Handle origination, servicing, and collections without building separate systems for each stage.
BNPL payments that scale
Standardise connectivity, orchestration, and visibility across all your payment flows.
Merchant payouts
Streamline payouts from order approval through to settlement with full visibility at every step.
Instalment collection
Collect repayments from borrowers with built-in reconciliation, rejection, and return notifications.
Payment dashboard
Gain a transparent overview of all payment flows through a single, unified dashboard.
Customer stories
Leading institutions build
the future of finance on Mambu
the future of finance on Mambu
Scaled its BNPL offering across Europe by modernising payments infrastructure — cutting costs and enabling instant payments and own IBANs.
22k+
active
merchants
across Europe
merchants
across Europe
3X
faster migration
to SEPA indirect
participation
to SEPA indirect
participation
30%
cost reduction
per payment
(direct SEPA)
per payment
(direct SEPA)
Built for your stack
Composable
by design
by design
Mambu sits at the core of your BNPL lending stack. Connect onboarding, KYC, credit scoring, CRM, and servicing tools through an open, API-first ecosystem, and orchestrate end-to-end instalment journeys without vendor lock-in.
Let's get started
Move forward
with Mambu
with Mambu
Clear next steps for organisations ready to modernise, scale, and build the future of finance with confidence.
© Mambu 2026