Buy Now Pay Later App Development Company

Best Recognizes the Best Our Esteemed Clients

Over the years, we have had the opportunity to develop apps for some of the best players in the market. The experience certainly helped us become familiar with industry needs.

Why BNPL Platforms
Are Rapidly Growing

Robust consumer adoption and BNPL fintech solutions integration is driving significant BNPL market growth. Conduct in-depth market analysis before launching fintech payment solutions for end-users. The latest BNPL statistics highlight a shift towards BNPL app development.

10.2% Boost in CAGR

Global BNPL market will likely grow and reach $911.8 billion by 2030.

15% Increased Revenue

Market revenue is anticipated to grow from 2025 to 2034.

20-40% Increased AOV

Average order value will increase, boosting overall conversions for merchants.

15% Regional Growth

North America is acknowledged as the fastest-growing region, holding a huge BNPL market share.

Why You
Should Invest in BNPL App Development?

Fintech companies, B2B businesses, merchants & retailers, Fintech institutions, and BNPL service providers are heavily investing in BNPL fintech solutions, as flexible payment options impact tangible commercial profits.

The chief drivers for the investment are a competitive edge in the digital payment landscape, improved customer acquisition, and elevated sales as BNLP raises the average order value and reduces shopping cart abandonment, increasing conversion rates.

Higher repeat purchases
Increased average order value for merchants
Boosted customer trust with secure payments
Faster checkout and improved user experience
Growing global demand for flexible payment options
Competitive advantage in the digital finance ecosystem

Our Buy Now Pay Later App Development
Services

Our buy now pay later app development company offers comprehensive BNPL app development services, from custom BNPL app development, BNPL integration, and BNPL credit approval software, ensuring you get user-centric deferred payment experiences.

Custom BNPL App Development

Our BNPL app developers offer custom Buy Now Pay Later app development services aligned with your market goals, customer base, and business model. BNPL solutions feature AI-powered credit assessment, flawless UI, and flexible repayment choices.

BNPL Platform Development

Develop BNPL solutions that meet the multi-tenant demands, connecting merchants, lenders, and customers within a single ecosystem. Prioritizing advanced analytics, scalability, and high performance, we help businesses manage repayments, user data, and transactions effectively.

Merchant & Customer Portal Development

Creating role-based dashboards for businesses and consumers, our merchant and customer portal development services ensure real-time visibility and transparency. While consumers can effortlessly enjoy installment management, merchants can track settlements and transactions.

BNPL API Integration

Make your BNPL solutions for B2B functional, integrating BNPL APIs into your existing app or platform. Our integration services connect credit bureaus, payment gateways, and identity verification systems to provide smooth buy-now-pay-later experiences.

Credit Scoring & Risk Engine Development

For instant credit scoring and risk evaluation, we use AI-driven algorithms. The intelligent risk engines we create analyze user behavior, financial data, and transaction history to boost approval accuracy for BNPL transactions.

Regulatory Compliance & Maintenance Support

Our team ensures your BNPL application meets PCI DSS, GDPR and all the local fintech regulations. By providing ongoing updates, technical support, and compliance audits, we maintain data security and top-tier.

Ready to Transform Your Business with BNPL?

Partner with Nimble AppGenie, the leading BNPL Development
company, to create a high-performance buy now pay later app.

Core BNPL Software Modules
We Build

Our team of experts designs API-first Buy Now Pay Later components for smooth scaling, compliance, and helps merchants with seamless integration.

Consumer Credit & Underwriting Engine

We are experts at building smart credit and underwriting engines that leverage alternative data sources, bureau data, customer risk rules, and behavioral insights to assess customer eligibility in real-time. Our models trigger instant approvals, flexible tenures, responsible lending, and dynamic credit limits aligned with applicable regulatory requirements.

Merchant Onboarding, KYC & Risk Scoring

As a trusted BNPL development company, we create a merchant onboarding module that automates KYB, KYC, and verification workflows while assessing merchant risk via business profiles, transaction patterns, and past data. It accelerates merchant activation, streamlines approvals, continuous monitoring, and configurable risk thresholds to reduce default exposure and fraud.

BNPL Checkout & Pay-Later APIs

By developing API-first BNPL checkout and Pay-Later integrations, our team of experts helps effortlessly embed them into merchant mobile apps, websites, marketplaces, and POS systems. The solution supports swift offer display, flexible payment options, real-time eligibility checks, and flawless customer experiences across different channels.

User & Merchant Account Management Dashboards

Our Buy Now Pay Later app development services include creating an account management module that provides intuitive dashboards for merchants and users to track transactions, repayments, credit limits, performance metrics, and settlements. It supports limit controls, dispute tracking, role-based access, and profile management, boosting engagement, transparency, and operational efficiency.

Repayment, EMI & Collections System

We help your users easily manage EMIS, reminders, partial payments, penalties, and due schedules across multiple channels by creating an automated repayment and collections system. The module supports flexible repayment options, auto-debit, smart collections workflows, and delinquency tracking to reduce defaults and enhance recovery rates.

Fraud, Dispute & Chargeback Management

The fraud and dispute management module we create helps detect suspicious activities by utilizing device intelligence, rules, and behavioral analysis. It handles chargebacks, disputes, and reversals through evidence management, audit trails, and structured workflows, helping BNPL providers reduce losses while fostering trust and regulatory compliance.

Settlement & Reconciliation Engine

We have experience in developing powerful settlement and reconciliation engines that streamline fund flows between merchants, partners, payment gateways, and lenders. We ensure building the systems that support configurable cycles, real-time reconciliation, multi-party settlements, and ledger management, promising financial precision, scalable operations, and transparency.

Compliance, AML & Regulatory Reporting Module

Our professionals build compliance modules that ensure BNPL platforms meet AML, data protection, and regulatory requirements across regions. It supports transaction monitoring, customer due diligence, consent management, automated regulatory reporting, and audit logs, assisting businesses confidently expand while staying in compliance with dynamic financial regulations.

Launch Faster
with Ready-to-Deploy BNPL App Solutions

We design BNPL platforms on proven architectures for startups and enterprises to accelerate time-to-market. We create BNPL solutions with pre-built features, flexibility, and flawless integration, meeting your brand objectives.

App Like Affirm

Create an BNPL app like Affirm strengthened with flexible repayment scheduling, prompt approvals, and advanced credit assessment.

App Like PayPal

We can alsobuild a PayPal-like solution that facilitates multi-currency support, instant approval, and merchant integrations, delivering a smooth “Pay in 4” experience.

App Like Klarna Clone

Launch an Klarna-style BNPL app that offers smooth checkout, real-time purchase tracking, and split payments. This solution fueled by AI-driven insights and extensive backend architecture.

App Like AfterPay Clone

Create an Afterpay-inspired BNPL solution energized with transparent installment plans, automated reminders, real-time transaction monitoring, and a secure payment gateway.

App Like Sezzle

Develop a reliable BNPL platform like Seezle for customer retention and fast credit approvals and embracing flexible EMI options and analytics tools to help merchants increase conversions.

App Like Zip

Build a Zip-like BNPL app for your business with instant approval workflows, smart repayment tracking, and advanced user authentication.

Our Portfolio
for BNPL App Development

Our portfolio highlights our expertise in BNPL application development. We've successfully delivered secure and user-friendly buy now pay later platforms that enhance the customer experience and drive business growth.

Pay by wallet

Mobile Payment Platform

Maxpay

Multi-currency Wallet Platform

PAYBYCHECK

Multi-Currency E-wallet App Platform

CUT

E-wallet App Platform

COMPREHENSIVE FEATURES
for a Seamless User Experience

Our Buy now pay later software development services are designed with a variety of features to cater to the needs of users, administrators, and merchants. These features ensure secure transactions, easy management, and a user-friendly interface across all panels.

Easy Registration

Profile Management

Payment Options

Transaction History

Installment Plans

Notifications

Secure Login

Customer Support

Promotions and Offers

Shopping & Payments

Credit Management

Loyalty Programs

Dashboard Analytics

User Management

Transaction Monitoring

Payment Management

Reporting Tools

Security Settings

Notification Management

Installment Plan Setup

Customer Support Management

KPI tracking

Interest & Fee Configuration

Marketing & Offers Management

Merchant Dashboard

Product Management

Order Management

Inventory Tracking

Sales Analytics

Payment Settlement

Promotion Setup

Customer Feedback

Support Requests

Transaction Management

Real-time sales overview

Refund & cancellation handling

97%

Customer Retention Rate

250+

Clients Collaborated With

Want to connect with us?

8+

Years of Experience

350+

Completed Projects

ADVANCED TECHNOLOGIES
Powering Next-Gen BNPL App Development

Our team of fintech app developers integrates the latest technologies to build secure and intelligent BNPL solutions that enhance user experience, credit assessment, and transaction transparency.

Artificial Intelligence (AI)

AI enhances user experience by providing personalized recommendations, fraud detection, and predictive analytics, ensuring secure and efficient transactions.

Machine Learning (ML)

ML algorithms analyze user behavior and transaction patterns, enabling better risk management and customized payment plans for users.

Blockchain

Blockchain guarantees transparent, secure, and tamper-proof transactions while improving data integrity and mitigating fraud risk across BNPL landscapes.

IoT (Internet of Things)

Integrating IoT, we increase BNPL functionality, enabling transaction tracking, contextual credit offers, and instant payments in a well-connected ecosystem.

Cloud Computing

Cloud infrastructure facilitates effortless data synchronization, real-time scalability, and high availability for BNPL solutions serving worldwide user bases.

API-Driven Architecture

API-driven development empowers us to integrate seamlessly with merchants, payment gateways, and banks, resulting in rapid deployments and modular feature scalability.

Industry-Specific
Fintech Solutions We Develop

From healthcare to fintech and retail, our AI-First FinTech solutions for startups and enterprises transform financial experiences across distinct sectors.

Healthcare

Our app developers build BNPL for healthcare providers and patients, featuring smoother billing management and flexible medical treatments that reduce payment delays and improve accessibility.

E-Commerce & Retail

We deliver BNPL for e-commerce stores with instant financing options that raise average order value, boost conversions, and foster customer loyalty via flexible payment plans.

Education

BNPL software for the edTech institutions provides financial options for students and parents, allowing easy management of tuition fees that promote constant learning and flexible finance.

Travel & Hospitality

Recognized by global giants, we create BNPL for the travel and hospitality industry to help travelers with effortless installment plans for hotel and travel bookings.

Real Estate & Property

The transparent buy now pay later BNPL payment solutions for real estate companies facilitate installment-based property payments or rent, improving affordability and simplifying complex transactions.

B2B & SaaS Platforms

Our Buy Now Pay Later app development company builds scalable BNPL solutions for enterprise ecosystems, enabling businesses to handle software purchases, partner payments, and subscription fees.

Custom Tech Stack for User-Centric BNPL App Development Superior BNPL SOLUTION

Chosen worldwide as a reliable BNPL app development company, Nimble AppGenie makes the most of the latest tools and technologies to develop innovative BNPL apps that ensure security and real-time performance.

FRONTEND

HTML
CSS
ANGULAR JS
REACT JS
VUE JS
NEXT.JS

BACKEND

.NET
JAVA
PYTHON
PHP
NODEJS
GO

MOBILE

Ios
ANDROID
IONIC
FLUTTER
XAMARIN
REACT NATIVE

PAYMENT

ALIPAY
PAYPAL
SQUARE
STRIPE
ADYEN

CLOUD

GOOGLE CLOUD
AWS
AZURE
DIGITAL OCEAN

Our BNPL Development Process to
Scalable Solutions

From ideation to development and post-maintenance, following an agile-driven, structured development approach, our BNPL fintech app developers roll out market-ready solutions with exceptional quality.

Ideation & Research

Before jumping the gun and starting with the app development process, it is important to research the idea for proper execution. The more you understand the market, the better solution you can develop for your users. This is the step where we discuss your idea and try to understand your vision.

Wireframing & Prototyping

Once you have identified the idea and understood the assignment, it's time to start laying down the foundation of your app. Start building a wireframe for your app, which will give you an idea of the overall layout. You can even start working on your prototype to identify potential outcomes.

UX/UI Design Finalisation

The next thing you have to do is create a solid user experience. Identify the pain points of users and create an app functionality flow to determine where each element should be placed on the screen. After having a proper UX, move to interface designing, where you can decide on what elements to choose and what animations to add.

Tech Stack Selection

After everything is designed and ready for execution, it's time for the developers to start writing code for your app. It is one of the most important steps in the process, as this is where all the features you have decided on are coded and functionalities are implemented for better usability.

App Development Stage

Though the experts do their best to deliver an error-free solution, it is our responsibility to do the due diligence and get the application tested for various use-cases. Our quality assurance experts are highly qualified and have experience in both automation testing and manual testing.

Deployment & Maintenance

After the application is designed and tested, it is time for the deployment. Our experts ensure that the final build of the app is up to the mark with all the requirements of the stores and is compliant with the regulatory requirements necessary for the release of the application.

Ideation & Research

Before jumping the gun and starting with the app development process, it is important to research the idea for proper execution. The more you understand the market, the better solution you can develop for your users. This is the step where we discuss your idea and try to understand your vision.

Wireframing & Prototyping

Once you have identified the idea and understood the assignment, it's time to start laying down the foundation of your app. Start building a wireframe for your app, which will give you an idea of the overall layout. You can even start working on your prototype to identify potential outcomes.

UX/UI Design

The next thing you have to do is create a solid user experience. Identify the pain points of users and create an app functionality flow to determine where each element should be placed on the screen. After having a proper UX, move to interface designing, where you can decide on what elements to choose and what animations to add.

Development & Implementation

After everything is designed and ready for execution, it's time for the developers to start writing code for your app. It is one of the most important steps in the process, as this is where all the features you have decided on are coded and functionalities are implemented for better usability.

Quality Assurance & Testing

Though the experts do their best to deliver an error-free solution, it is our responsibility to do the due diligence and get the application tested for various use-cases. Our quality assurance experts are highly qualified and have experience in both automation testing and manual testing.

Deployment & Maintenance

After the application is designed and tested, it is time for the deployment. Our experts ensure that the final build of the app is up to the mark with all the requirements of the stores and is compliant with the regulatory requirements necessary for the release of the application.

WHY Choose
Nimble AppGenie For Buy Now Pay Later App Development Services?

Partner with Nimple AppGenie, a trusted BNPL software development company that blends security, proven proficiency, and innovation to deliver high-performing BNPL solutions.

Proven Fintech & BNPL Expertise

With years of fintech experience, our teams of experts develop BNPL solutions meeting regulatory requirements and modern payment trends.

PCI DSS & GDPR-Compliant Security

We smoothly integrate fraud detection, multi-layered encryption, and global compliance standards to ensure secure financial transactions and data privacy.

Custom & White-Label Solutions

Launch custom BNPL platforms personalized to your brand identity, or pick a scalable white-label BNPL solution for rapid market entry.

Agile & Transparent Development Process

Our agile and clear development approach ensures transparent communication, faster development, and real-time project tracking from concept to deployment.

Advanced Tech Stack (AI, Blockchain, Cloud)

We leverage AI, blockchain, and cloud technologies to deliver scalable, data-driven, and future-ready BNPL applications.

Dedicated Post-Launch Support

Get consistent updates, post-launch performance monitoring, and dedicated maintenance support to keep your BNPL solution optimized, secure, and market-competitive.

Frequently Asked Question?
FAQ!

Get answers to possible BNPL app development queries that you might have!

The development timeline for a BNPL app can vary depending on the complexity and features of the project. Typically, it can take between 3 to 6 months to develop a fully functional app.

The cost of developing a BNPL app depends on various factors, including the app's complexity, features, and design requirements. For a detailed quote, please contact us with your project specifications.

Yes, we sign a Non-Disclosure Agreement (NDA) with our clients to ensure that all sensitive information and intellectual property are protected throughout the development process.

We use a variety of advanced technologies and frameworks such as React Native, Flutter, blockchain, AI, and IoT to build secure and high-performance BNPL apps.

Yes, our BNPL app development services include creating cross-platform apps that work seamlessly on both iOS and Android devices using a single codebase.

We provide comprehensive post-launch support and maintenance services, including regular updates, bug fixes, and the addition of new features to ensure your app remains up-to-date and functional.

We implement robust security measures such as data encryption, multi-factor authentication, and compliance with industry standards to protect user data and ensure secure transactions.

Absolutely. We offer seamless integration of various third-party APIs and services to enhance the functionality and user experience of your BNPL app.

To hire BNPL app developers, simply contact us with your project requirements. We will help you select the right developers and set up a dedicated team for your project.

Yes, we specialize in custom BNPL app development tailored to meet your unique business needs. Our solutions are designed to provide a personalized user experience and enhance your brand’s value.

Success stories
CLIENT TESTIMONIALS

Nimble AppGenie is committed to delivering results that satisfy our client’s needs and their business objectives. Here are testimonials from our clients about their experiences of working with us.

Exceptional service tailored to our unique business needs. The team’s expertise brought my idea to life, making to process seamless. Their dedication to quality is commendable. Highly recommended for their professionalism and results.

Uri. S

(Managing Director of Xparking, USA)

“Nimble AppGenie delivered a standout website that has attracted significant traffic. Their collaborative and organized approach made the development process smooth. Their expertise shines in the end product, making them the go-to web development company in London.

Francis Ejiegbu

(CEO of StepbyStepFitness, UK)

We hired Nimble AppGenie for web development services related to our edtech platform, Glu Learning. They integrated well with our team to solve all the problems and deliver remarkable solutions. Their team have great command of both client side and server side technology. We highly appreciate and recommend their services.

Ryan Williams

(CEO of GLU Learning, United Arab Emirates)

"Our journey with Nimble AppGenie is defined by their consistent availability, reliability, and efficiency. As we look towards expansion, I'm confident our partnership will grow even stronger. And we are eagerly anticipating the next chapter with them.

Dr. Christian Herbert Ayiku

(CEO of DafriBank, South Africa)

For the last year, we have been working closely with the Nimble team to develop our app. Nimble has provided consistent customer care, good communication, solutions to issues, and an end product that we're all really happy with.