Credit cards and buy now pay later

Enable real-time credit drawdowns and instant authorisations at the point of sale, maximising checkout conversion.

Boost cardholder lifetime value by allowing users to seamlessly convert standard card purchases into post-purchase installment plans.

Drastically reduce your time-to-market when launching tailored credit offerings, promotion-specific interest windows, or niche card programmes.

Manage individual BNPL installments as independent sub-accounts with bespoke interest rates, terms, and repayment schedules.

Support complex card mechanics natively, including cash advances, balance transfers, promotional interest rates, and custom billing.

Configure granular payback priority rules, such as automatically directing customer repayments to highest-interest balances first.

Process authorisations, merchant holds, and transactions instantly via a synchronous, high-throughput postings engine.

Deploy dynamic billing cycles, automated statement generation, and fully customisable grace-period rules.