Building a Scalable, High-Conversion BNPL Platform
Average uplift
Automated KYC & approvals
Processed BNPL txns
Shopify & WooCommerce Integrations
Core Architectural & Operational Challenges
A rapidly growing BNPL provider needed to fix fragmented integrations, automate underwriting, and build a scalable financial system capable of supporting high-volume merchants. Core challenges included:
Fragmented E-commerce Plugins
- Shopify, WooCommerce, and custom storefronts all used different logic and inconsistent UX.
- No unified SDK or installation flow.
Underwriting & Risk Bottlenecks
- Decisions were not instant.
- Fraud detection required manual triaging.
Scaling Payouts & Settlements
- Merchant settlement workflows were slow, manual, and error-prone.
- No automated KYC or chargeback management.
Our Approach: A Unified BNPL Architecture
We built a fully integrated BNPL system across API, underwriting, payments, and merchant operations — all connected through a scalable microservices architecture.
Unified Core Architecture
We merged all fragmented plugins and logic into a single Laravel Core API handling installments, repayments, and settlements—creating one consistent, scalable BNPL foundation.
Instant Underwriting & KYC
A Python risk engine with automated scoring and KYC replaced manual reviews, enabling real-time approvals and reducing onboarding from 48 hours to 5–10 minutes.
Standardized Store Integrations
A unified Node.js SDK now powers Shopify, WooCommerce, and custom storefronts with one-click installs and consistent, high-performance checkout experiences.
Automated Settlements & Payments
We automated settlements, chargeback handling, and reminders while adding Stripe recurring billing and a self-serve portal—improving repayment rates and reducing ops load.
Solving Key Bottlenecks
A deeper look at how we turned the platform’s biggest technical constraints into scalable, high-performance solutions.
Manual Underwriting & KYC
Problem:
Underwriting decisions were slow, inconsistent, and reliant on manual review.
Solution:
- Automated scoring model (Python)
- Real-time fraud checks
- KYC automation enabling 5–10 minute approvals
Fragmented E-commerce Integrations
Problem:
Shopify, WooCommerce, and custom stores all required separate logic and duplicated maintenance.
Solution:
- A unified Node.js SDK powering all plugins
- Shopify Polaris-based app for seamless native UI
- Fast WooCommerce plugin (PHP/Node hybrid)
- Custom JS SDK for universal storefront compatibility
Settlement & Merchant Operations
Problem:
Chargebacks, payouts, and reconciliations involved manual spreadsheets and delayed merchant reporting.
Solution:
- Automated settlement reports
- Defined chargeback workflows
- Transparent merchant-exportable finance reports
Customer Payment Compliance
Problem:
Customers often missed payments due to lack of reminders or late-fee logic.
Solution:
- SMS/Email reminders
- Stripe recurring payments + late fee rules
- Customer self-serve portal
The Results: Growth, Scale & Merchant Adoption
The BNPL platform experienced rapid and sustained growth after the unified system was deployed. Merchant conversions increased by 18–25%, onboarding time dropped from 48 hours to just 5–10 minutes, and the platform successfully scaled to support more than 300 merchant integrations. Within five months, monthly BNPL processing volume surpassed $2M, supported by consistent improvements shown across both conversion-uplift and transaction-volume charts. The enhanced checkout flow delivered a zero-friction experience for customers, significantly boosting completion rates and overall platform adoption.
Technology Stack
A unified modern stack supporting reliable financial operations:
Outcome: Market‑Ready BNPL at Scale
By building a robust, automated financial technology stack, the platform went from a 48‑hour manual onboarding process to fully automated, 5–10 minute approvals.