From online only to everywhere your customers shop
Bring a BNPL card to every checkout.
BNPL players can extend instalments beyond online checkout by issuing virtual and physical cards mapped to real-time ‘credit’ limits.
In this article
BNPL providers have mastered online checkout flows but want to capture in-store spending where customers can't access their digital payment options. Both virtual and physical cards unlock every merchant relationship, enabling BNPL at any point of sale.
The challenge
- • Cannot capture in-store spending where customers make most purchases.
- • Complex card programme setup requires banking partnerships and regulatory approvals.
- • Managing card issuance, compliance, and settlement alongside core BNPL operations.
Our solution
- • Mastercard powered virtual and physical cards linked to BNPL accounts.
- • Virtual cards work in-store through Apple Pay, Google Pay.
- • Spending controls and merchant restrictions.
- • Seamless integration with existing BNPL platform through unified APIs.
- • Smart spend controls map each tap to the BNPL facility limit.
- • Repayments swept automatically on schedule.
- • Build-in transaction monitoring.
Impact
Unlock offline Gross Merchandise Value (GMV) previously captured by traditional cards whilst gaining new margins on offline spend. Build deeper customer relationships through everyday payment products that increase engagement beyond purchase financing. Generate richer card data that strengthens your merchant partnerships and creates additional revenue opportunities.
Why us
We empower BNPL providers with the full license stack and infrastructure to extend instalments beyond e-commerce. Our regulatory cover and unified APIs enable card issuance and real-time credit limits without regulatory delays.
Our system is purpose-built for speed to issue virtual and physical cards mapped to dynamic limits, enable merchant settlements, and go live in weeks via a single integration.
We understand South African consumer payment preferences and deliver white-label solutions that strengthen your brand. With us, you can move quickly, stay compliant, and scale BNPL usage into any retail environment.
More use cases
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