Buy now pay later software for financial institutions

Buy now pay later has evolved from a niche checkout feature into a core financial product offered by banks, fintechs, and lending companies worldwide. Stitch's BNPL software provides the infrastructure for financial institutions to launch, operate, and scale their own buy now pay later programs without building from scratch. The platform covers the full BNPL lifecycle: merchant integration, customer onboarding, credit decisioning, real-time disbursement, installment scheduling, repayment tracking, collections, and reporting. Everything runs on the same unified infrastructure as Stitch's lending, card, and payment products, which means BNPL can be offered as a standalone product or integrated with your existing financial services. Capabilities include digital onboarding (configurable KYC workflows with real-time approvals at point of sale), automated decisioning (real-time credit evaluation using configurable rules and scoring models), real-time disbursement (instant fund disbursement to merchants upon customer approval), installment management (flexible plans with bi-weekly, monthly, and custom payment schedules), repayment tracking (real-time monitoring across your entire BNPL portfolio), and collections (automated reminders, escalation workflows, and recovery tracking). Stitch's BNPL platform is built for institutions that want to own the customer relationship and the economics of their pay-later program.