Buy Now Pay Later Aggregator

BNPL Aggregator

Easy payments for big purchases

At Paypercut, we build tools that streamline all payments, so merchants can stay focused on what they do best. Our APIs and integrations are designed to remove friction between merchants and customers—making transactions faster, simpler, and more seamless.

One of these tools is a BNPL Aggregator (BNPL – A).

What You’ll Learn

By the end of this guide, you will be able to:

Understand what the BNPL – A is and how it adds value
Identify the best use cases
Fully understand the onboarding and integration process
Configure provider settings and eligibility criteria
Monitor transactions and manage refunds effectively

What is BNPL?

BNPL (Buy Now, Pay Later) is a payment method that lets customers purchase goods or services and pay for them over time, usually in equal installments. It is typically offered at checkout and may include zero interest or low fees, depending on the provider and terms.

How Many BNPL Providers Operate Worldwide?

There is no definitive number, but research indicates 200+ BNPL providers are available worldwide, with at least 50+ currently present across Europe.

What is a BNPL Aggregator (BNPL – A)?

BNPL–A by Paypercut unifies leading and local BNPL providers in a single integration, simplifying access to their services for both merchants and their clients.

BNPL – A Key Benefits

For Merchants	For Developers / Integrators
Single access point to multiple BNPL providers Connect with multiple BNPL solutions through a single unified platform.	One integration, many providers Integrate once to access a broad range of BNPL options—no need for multi-vendor setups.
Greater customer choice Offer flexible installment plans from different providers to boost conversion.	Unified platform structure Work with a consistent, predictable interface across all providers.
Immediate payout Receive funds upfront—BNPL providers manage collections and risk.	Smart routing and fallback logic Provider selection, routing, and fallback are handled by the aggregator.
Simplified compliance KYC and regulatory obligations are managed centrally.	Clear documentation & support Detailed docs, responsive support, and streamlined implementation.
Cross-border support Local BNPL options with multi-currency capabilities across CEE markets.	Reduced maintenance Centralized updates and versioning mean fewer changes in your codebase.

BNPL Aggregator – Real-Life Use Cases

Merchant Type	Order Value	Provider Option (Installment Plan)	General Benefit	Benefits for Merchant / End-Client
👚 Fashion Retailer	€150	3 installments (3 x €50)	Drives conversion and reduces abandoned carts	Merchant: Increased sales and average basket size End-Client: Spreads cost of purchases without interest
🔌 Electronics Store	€1,200	6 installments (6 x €200)	Makes high-ticket items more accessible	Merchant: More high-value transactions with less risk End-Client: Affordable monthly payments for premium items
✈️ Online Travel Agency	€800	4 installments (4 x €200)	Boosts booking rates with flexible payments	Merchant: Improved booking rate and upfront payout End-Client: Travel now, pay later—eases budgeting
🪑 Home Furniture Retailer	€2,500	9 installments (9 x €277.77)	Enables larger purchases with less friction	Merchant: Liquidity preserved via upfront funding End-Client: No need for full upfront payment for essential items
💄 Beauty Marketplace	€90	3 installments (3 x €30)	Improves success in local markets	Merchant: Better conversion in localized markets End-Client: Trusts a known, local provider and pays in local currency

How the BNPL Aggregator Works: Step-by-Step Guide

How to Enable the BNPL–A as a Merchant

1. Merchant Registration

Submit your business details via the Merchant Dashboard:

Company name
Company number
VAT number
Bank account information (IBAN & BIC/SWIFT)

2. Provider Info Submission

Paypercut sends your details to the selected BNPL providers.

Providers perform KYC and credit checks
If additional verification is required, you will receive a secure URL to upload documents
Need help? Contact: onboarding@paypercut.co

3. Sandbox Account Setup

Test your setup before going live:

Simulate a transaction to validate the routing logic
Review the installment options
Confirm provider responses and approval flows

Sandbox access is managed directly from the Merchant Dashboard

4. Integration Setup

Integrate the BNPL – A API
Configure the following (via the dashboard or via a direct request to Paypercut):

Enabled providers
Eligible products or services
Installment plans
Min/max transaction amounts

5. Agreement Signing

Sign all required agreements:

Aggregator T&Cs for the BNPL – A service
Individual BNPL provider terms

6. Go Live

Activate your live merchant account:

Receive production provider keys
Access the Merchant Dashboard to track live transactions

7. Monitoring & Reporting

Track performance in real time:

Payments
Commission fees
Approval rates
Provider-specific insights

8. Full Payment to Merchant

Once the BNPL provider approves the transaction:

Paypercut prefunds the merchant immediately
Payment is sent minus applicable aggregator and provider fees
The BNPL provider then collects repayments from the end-customer

How to Use the BNPL–A as an End-User

1. Add Items to Cart

Customer browses and selects products to purchase.

2. Choose "Pay in Installments" at Checkout

At checkout, the customer selects the Buy Now, Pay Later payment option.

3. Submit Application Form

Customer fills in basic personal details:

Full name
Email and phone number
Date of birth
Address
Optional: ID documents (only if required by the provider)
Fields may vary based on local regulations or provider requirements.

4. View Installment Options

The aggregator queries all enabled BNPL providers and displays available installment plans.

5. Provider Request & Response

Requests are sent in parallel to all eligible providers.

The first approved offer is shown by default.
Others will be available for manual selection.

6. Select Provider

Customers choose their preferred BNPL provider from the list of options presented by the aggregator.

7. Redirect to Provider KYC

Customer is redirected to the selected provider’s secure KYC (Know Your Customer) verification flow.

8. KYC & Approval

The BNPL provider:

Performs identity and credit checks
Approves or declines the request
If approved, assigns the customer to a repayment plan

9. Payment Disbursed

The merchant is prefunded upfront by the aggregator (minus fees)
The customer repays the BNPL provider over time in installments

How to Access and Embed the BNPL–A as an Integrator

1. Get Sandbox API Key

2. Implement API Calls

Use the BNPL – A API Reference to understand how to integrate key endpoints and request/response payloads into your checkout flow.

3. Test in Sandbox

Simulate purchases to validate:

Routing logic
Provider responses
Installment options

4. Switch to Production

Once testing is complete, request live credentials via the Merchant Dashboard to begin processing real transactions.

5. Monitor Transactions

Track performance in real time:

Prefunded payments
Fees
Approval rates

All accessible from your Merchant Dashboard.

For combined payment processing + BNPL aggregator setup, refer to the Merchant Integration Guide.

Supported Platforms

WooCommerce
Coming Soon: PrestaShop, OpenCart, CloudCart

Pricing & Fees

For Merchants

Transaction Fee: 5% per successful BNPL transaction
No setup fees
No monthly or subscription charges

For Customers

No additional fees or interest for most BNPL plans
Some provider-specific options may include interest or fees (clearly displayed during checkout)

Cancellations & Refunds

All cancellation and refund requests are processed individually and handled according to the specific BNPL provider’s policies.

Each provider may have different requirements and timelines
Refunds are initiated via the Merchant Dashboard or API
Once processed, the customer’s repayment schedule is adjusted accordingly

For full details, refer to each provider’s refund policy in the BNPL Provider Documentation.