Payless is a seamless, secure, and scalable Buy Now, Pay Later (BNPL) solution for online and offline merchants. It empowers customers to split payments into interest-free installments while allowing merchants to get paid instantly.
- 🛒 Split Payments — Flexible installment plans (4x, 6x, 12x options)
- 🧾 Instant Approvals — Fast eligibility checks using soft credit scoring
- 🔒 Secure Transactions — Encrypted and tokenized payment processing
- 📊 Merchant Dashboard — Track transactions, customer repayment, insights
- 📱 Customer Portal — Manage payments, repayment schedules, and reminders
- 📈 Scalable APIs — Easily integrate into any e-commerce platform or POS
- Increases merchant sales conversion rates
- Offers affordable financing to customers without credit card usage
- Fast and user-friendly onboarding and integration process
- Transparent fees and repayment terms
| Component | Tech |
|---|---|
| Frontend | React (Merchant Portal), Flutter (Customer App) |
| Backend | Node.js / Express or Python / FastAPI |
| Database | PostgreSQL (Relational), Redis (Cache & Queues) |
| Payment Processor | Stripe / Paystack / Flutterwave API |
| Auth | OAuth2, JWT |
| Credit Scoring | External APIs (Plaid, TransUnion, etc.) |
| Infrastructure | Docker, Kubernetes, CI/CD (GitHub Actions) |
+--------------------+ +-----------------------+
| Customer App | ←──────→ | BNPL Backend API |
| (Flutter) | | (FastAPI / Node.js) |
+--------------------+ +-----------------------+
↑ ↓
+---------------------+ +-------------------------+
| Merchant Portal | ←────→ | Payment Gateway (Stripe)|
| (React) | +-------------------------+
↓ ↓
+-------------------------+ +-----------------------------+
| Credit Scoring Engine | | PostgreSQL + Redis |
| (External API / ML) | | DB, Queue, Session Store |
+-------------------------+ +-----------------------------+
- Customer & Merchant login via JWT/OAuth2
- Multi-role access control and session tokens
- Handles split payments and repayment schedules
- Auto-debit, late fee calculation, and alerts
- Integrates with Stripe, Paystack, or Flutterwave
- Performs soft credit checks using 3rd-party APIs
- Scores user based on bank data, income, and credit behavior
- Determines eligibility and credit limit
- Dashboard with revenue tracking, approval rates, and cohort analysis
- Payout schedules and outstanding payment reports
- Cron jobs for due dates, payment retries, and reminders
- Email, SMS, and push notification support
# Clone the repo
$ git clone https://github.com/your-org/payless-bnpl.git
$ cd payless-bnpl/backend
# Install dependencies
$ pip install -r requirements.txt # for Python OR npm install for Node.js
# Start the API server
$ uvicorn main:app --reload # for FastAPI OR npm run dev# Merchant portal
$ cd frontend-merchant
$ npm install && npm start
# Customer app (Flutter)
$ cd customer-app
$ flutter pub get
$ flutter run| Endpoint | Method | Description |
|---|---|---|
/auth/login |
POST | Authenticate merchant/customer |
/checkout |
POST | Initiate BNPL checkout session |
/repayments/:id |
GET | Fetch repayment schedule |
/merchants/:id/dashboard |
GET | Analytics dashboard |
/credit-score |
POST | Run soft credit check |
- HTTPS enforced across all services
- Token-based session management
- Data encryption at rest and in transit
- GDPR & PCI DSS compliance
- Webhooks secured with signature verification
- Add biometric login to customer app
- Loyalty rewards system for early payments
- Add Open Banking integrations
- ML-based fraud detection engine
- Installment plan simulations & credit limits calculator
MIT License — see LICENSE