Majda Janeš
Product Manager
Buy Now, Pay Later is no longer just a fintech trend, it’s a feature that today’s consumers expect. For banks and financial institutions, the pressure is on delivering BNPL offerings that are fast, flexible, and future proof. At Vestigo, we’ve built our BNPL engine with exactly that in mind: a modular and scalable solution that fits into your existing ecosystem, no matter where you are in your digital journey.
A Modular Design That Fits All
We know that not all institutions want to rip and replace their infrastructure to launch new products. That’s why our BNPL module is modular by design. You can deploy it as a full end-to-end solution or simply integrate specific components like eligibility check and installment offer creating for push BNPL model (offer pushed to customer as notification based on authorization/transaction) or pull BNPL model (offer available to customer on transaction overview on Client portal/App), loan realization, repayment scheduling into your current setup, for BNPL offering either on card transactions or on account to account payments, or on both This flexibility means faster time to market, fewer integration headaches, and the ability to scale or adapt as your business needs evolve.
Scalable from Day One
The Vestigo BNPL engine is built on a cloud-born, microservices architecture. In simple terms, that means it’s ready to scale when you are. Whether you’re running a pilot with a handful of merchants or launching across multiple countries, the system handles growing volumes smoothly even during peak traffic periods like Black Friday or holiday seasons. It supports real-time Consumer Finance limit checks, customizable payment plans, multi-currency options, and multi-language support with high availability and strong performance behind the scenes.
Smarter Lending with highly parametrizable engine
At the heart of our BNPL engine is highly parameterizable engine in which you can easily configurate:
- Consumer finance loan products by Core system card/account product, your Issuing/Distribution Partner, Consumer Finance model (Push/Pull)
- Exclusion/inclusion list per consumer finance loan product based on Merchant/Creditor, MCC, Country and more
- Multiple repayment schemes under a single Consumer Finance loan product with details such as: loan amount range, currency, number of instalments range, instalments frequency, interest rate, interest calculation method and more
- Instalment fee, loan fee, and early repayment fee calculation using a flexible fee modifiers
- External systems to which analytic created by BNPL engine should be processed – transaction refund processing system, billing system or account management system
- Translations of instalment descriptions per customer language that will be presented to the Customer on their statement
And many other parameters are foreseen because we enable the whole process from BNPL eligibility check to BNPL analytic billing and accounting in a flexible way.
Integration That Works With Your Stack
Vestigo’s BNPL solution is API-based, meaning it’s designed to integrate quickly and securely with your existing systems. Whether you’re working with a modern banking platform or dealing with legacy infrastructure, we provide pre-built connectors and straightforward documentation to get you up and running fast. Merchant onboarding, KYC, repayment management, loan origination, everything is ready out of the box
From repayment terms and interest and fees structures to eligibility criteria and customer segmentation, you decide what works best for your customers. Whether you want to offer zero percent financing, interest-bearing plans, or something in between, the system adapts to your strategy.
Ready for What’s Next
BNPL is evolving quickly, with new regulations, competitive pressure from fintechs, and increasing demand from merchants and consumers alike. Vestigo’s BNPL engine gives you the tools to stay ahead, whether that means launching a compliant product in weeks, experimenting with embedded finance, or scaling across regions. We’ve built the foundation and now it’s your move.