Buy Now Pay Later (BNPL) 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

The BNPL app development market is rapidly growing, transforming the way consumers make purchases. Recent BNPL statistics indicate a significant shift towards buy now pay later solutions, with millions of users worldwide benefiting from this innovative payment method.

$1.5 Trillion Market

The global BNPL market is expected to reach $1.5 trillion by 2025, reflecting its massive growth and adoption.

45% User Increase

BNPL services have seen a 45% increase in users over the past year, showcasing their rising popularity among consumers.

70% Millennials

Around 70% of BNPL users are millennials, indicating the preference of younger generations for flexible payment options.

35% Higher Sales

Businesses offering BNPL options have reported a 35% increase in sales, highlighting the effectiveness of these services in driving revenue.

Why Businesses Invest
in BNPL Platforms

Explore the potential in the ever-growing market of Buy Now, Pay Later with the revolutionary digital solutions, delivered as per the market needs.

Nimble AppGenie is a leading buy now pay later app development company specializing in creating secure, user-friendly, and scalable buy now pay later apps. Our BNPL app development services are designed to meet the unique needs of businesses, providing flexible payment solutions that enhance customer experience and drive sales.

With the growing popularity of BNPL services, businesses can significantly benefit from integrating these solutions into their operations. Our expert team of BNPL app developers utilizes the latest technologies, BNPL trends, and industry best practices to deliver high-quality BNPL app solutions. Whether you need a custom BNPL app, platform development, or white-label solutions, we have the expertise to turn your vision into reality.

Comprehensive BNPL App
Development SERVICES

We offer a wide range of BNPL development services designed to provide innovative and effective BNPL solutions. If you want to develop BNPL app, our services ensure your business can offer flexible payment options that enhance customer satisfaction and drive growth.

BNPL Platform Development

We specialize in BNPL platform development, creating robust and scalable platforms that support seamless buy now pay later transactions. Our platforms are designed to handle high volumes of transactions securely and efficiently.

Custom BNPL Software

Our custom BNPL software development services provide tailored solutions to meet your specific business requirements. We deliver Buy now pay later software development that integrates seamlessly with your existing systems.

B2B BNPL Solutions

We offer specialized B2B BNPL solutions to help businesses provide flexible payment options to their corporate clients. Our solutions facilitate smooth transactions and improve cash flow management for B2B operations.

BNPL API Development

In addition to Buy now pay later app development, our BNPL API services enable seamless integration of buy now pay later functionalities into your existing applications. We develop secure and reliable APIs that enhance your app's payment features.

BNPL Integration

We provide comprehensive BNPL integration services, ensuring that our BNPL solutions integrate smoothly with your current systems. Our integration services enhance the functionality and user experience of your existing platforms.

BNPL Maintenance and Support

Our BNPL maintenance and support services ensure your BNPL app remains updated, secure, and functional. We offer ongoing support to address any issues and implement necessary updates to keep your app running smoothly.

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 experts design API-first BNPL components for smooth scaling, compliance, and help 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 BNPL 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.

Get a Head Start with Proven
BNPL SOLUTIONS

At Nimble AppGenie, we offer buy now, pay later app solutions that enable you to leverage the success of popular BNPL platforms. We provide similar robust features and user experiences as the existing top players, helping you quickly enter the market with a proven concept.

App Like Affirm

Develop an Affirm-like app that offers flexible payment plans, real-time credit checks, and seamless integration with the majority of stores.

App Like Apple Pay Later

Create an Apple Pay-like app for iOS users to offer them split payments over time with our BNPL app development services.

App Like Klarna

Launch a Klarna-like app by opting for our BNPL software development, which includes smooth merchant integration.

App Like AfterPay

Build an app like AfterPay that allow customers to make purchases and pay them off in interest-free installments with an intuitive design.

App Like Halan

Develop an app like Halan that enables split payments using existing credit cards. BNPL platform built to ensure a secure payment experience.

App Like Pay in 4

Create an app similar to Pay in 4 that allows users to split their purchase into four interest-free payments that too with robust security features.

PORTFOLIO
Our Success Stories

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. Explore our portfolio to see our proven track record.

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
in BNPL App Development

At Nimble AppGenie, we utilize the latest technologies to ensure our BNPL app development services deliver high performance, security, and a seamless user experience. Here are some of the advanced technologies we employ:

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 technology ensures secure and transparent transactions, providing immutable records and reducing the risk of fraud and data breaches.

IoT (Internet of Things)

IoT integrates various devices and platforms, allowing real-time data exchange and enhancing the overall efficiency and connectivity of BNPL systems.

Cloud Computing

Cloud services offer scalable and flexible infrastructure, ensuring high availability and performance of BNPL apps with real-time processing capabilities.

API Integration

Our BNPL solutions utilize robust APIs to integrate seamlessly with existing systems, enhancing functionality and providing a smooth user experience.

Enhancing Customer Experience
& Driving BUSINESS GROWTH

Implementing a BNPL app can significantly improve your business by offering flexible payment options, increasing customer satisfaction, and driving sales. With expertise in Fintech app development services, our BNPL solutions are unmatched.

With a well-built BNPL application for your business, both you and your users can experience an array of features and benefits that make the experience more convenient.

Increased Sales Conversion
Higher Customer Retention
Improved Cash Flow
Attracts Younger Demographics
Flexible Payment Options
Reduced Cart Abandonment
Enhanced Customer Loyalty
Seamless Checkout Experience
Competitive Advantage
Better Financial Management
Increased Average Order Value
Secure Transactions
Simplified Payment Process
Real-Time Payment Insights

Understanding BNPL App
DEVELOPMENT COST

The BNPL app development cost can vary significantly based on several factors. Here are the key elements that impact the overall expense of your project:

App Complexity

The complexity of your app, including the number of features and functionalities, significantly affects the development cost.

Design Requirements

Custom and intricate design elements can increase the cost due to the additional time and resources required.

Platform Choice

Developing for multiple platforms (iOS, Android, web) will naturally cost more than developing for a single platform.

Security Measures

Implementing robust security features such as encryption and multi-factor authentication can raise the overall cost.

Third-Party Integration

Integrating your app with third-party services like payment gateways, APIs, and other systems adds to the development cost.

Development Team

The expertise and location of your development team play a crucial role in determining the cost. Experienced developers tend to charge more.

Maintenance & Support

Ongoing maintenance, updates, and support services are additional costs to consider for the long-term success of your app.

Compliance & Legal Requirement

Ensuring your app complies with industry regulations and legal standards can add to the development cost.

Understand Cost

Dive deep into BNPL app development cost.

Leveraging Cutting-Edge Technology for Superior BNPL SOLUTION

At Nimble AppGenie, we use the latest technologies and frameworks to ensure our BNPL app development delivers high performance, security, and scalability. Our tech stack includes React Native, Flutter, blockchain, and AI, ensuring robust and innovative buy now pay later app solutions.

FRONTEND

HTML
spritekit
ANGULAR JS
REACT JS
VUE JS
NEXT.JS
METEOR

BACKEND

.NET
JAVA
PYTHON
PHP
NODEJS
GO

MOBILE

Ios
ANDRIOD
IONIC
FLUTTER
XAMARIN
REACT NATIVE
CORDOVA

DEVOPS

DOCKER
KUBERNET
PUPPET
SALTSTACK
SQL SERVER
TERRAFORM
ANSIBLE

PAYMENT

ALIPAY
PAYPAL
SQUARE
STRIPE
ADYEN

CLOUD

GOOGLE CLOUD
AWS
AZURE
DIGITAL OCEAN

Our BNPL App Development
PROCESS

At Nimble AppGenie, we follow a meticulous and structured development process to ensure the successful creation of high-quality BNPL apps. Our six-step approach guarantees clarity, efficiency, and excellence at every stage.

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.

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.