BNPL & POS Lending Software
We provide turnkey tools to automate "Buy Now, Pay Later" (BNPL) and POS lending processes. Our solutions are designed for banks, MFIs, fintech companies, and retail chains.
Tailored for e-commerce platforms, banks, and fintech organizations looking to offer installment plans in online stores or through retail partners.
A software product for automating online and in-store lending. It enables interest-bearing loans directly at the checkout, in-office, or via online forms.
Supports the full BNPL lifecycle — from application to repayment, including customer verification, approval, disbursement, and loan servicing.
Manage all processes in a single dashboard
Automates the application, approval, and disbursement of loans both in-store and online. Provides flexible management of all internal processes.
The system generates over 25 reports covering key financial and operational KPIs, helping analyze process efficiency and support data-driven management decisions.
Support for integration with external BI platforms for data visualization, dashboarding, and in-depth business performance analysis.
Ensures automated data exchange with your accounting system, eliminating manual entry and increasing the accuracy of financial and tax reporting.
Lending process automation tailored to your business goals and scale.
Flexible Configuration
Use a ready-to-go solution or adapt the system to your unique internal processes and regulations.
End-to-End Automation
Full lifecycle automation with seamless integration of third-party services and systems.
Cost Efficiency
Reduce operational overhead by automating key processes and improving overall workflow efficiency.
Программное обеспечение подключено к множеству внешних источников данных, государственных служб, платёжных систем, лидогенераторов, рекламных и аналитических платформ, что обеспечивает удобный и непрерывный обмен информацией.
Flexible loan parameter calculation with the ability to modify terms and offer alternative financing options to the customer.
Design and configure credit products, defining business rules, automated workflows, and manual intervention triggers.
Automated interest and penalty accrual, payment recalculation, status updates, and automated system-wide task execution.
Flexible role configuration and access permissions for all employee categories.
Individual access policy for all staff members:
Full audit log of all employee operations and activities:
Comprehensive Customer Interaction History
Real-time Customer Chat Support
Integration with VoIP, Email, and SMS services
System Workspaces
Trusted by Leaders
We partner with top-tier financial and non-banking institutions delivering cutting-edge financial products and services.
Still have questions about the product?
A BNPL platform is software for installment sales based on the buy now, pay later model. The SPTNK solution supports the full cycle: application, customer verification, approval, issuance, servicing, and repayment.
BNPL is an installment plan in an online store or with a retail partner. POS financing is a loan with an interest rate that is arranged at the checkout, in an office, or through an online form. SPTNK automates both scenarios.
Banks, MFIs, fintech companies, e-commerce platforms, and retail chains that want to offer installments in their stores or through partners.
You need a system that accepts a customer application, verifies the customer, makes a decision, and manages payments. SPTNK offers configurable modules for this: customer portal and application, data sources, scoring rules and workflows, reporting, and back office.
Automatically, according to the configured rules. The check uses data from the application and the customer portal, open sources, internal data, and credit history.
Yes. Arrangement, approval, and issuance are automated both at offline points of sale and online, while management runs from a single back office.