One API. Every BNPL provider.
BNPLX connects your checkout to 20+ Buy Now, Pay Later providers across Europe: invoice, Pay in 3, installments and B2B payment terms through one integration.
Built for every side of the checkout.
More approvals, fewer integrations.
Offer invoice, installments and B2B payment terms from several providers through one plugin.
- Provider choice and a second chance after declines
- Dashboard with monitoring and analytics
- B2C and B2B, baskets up to €100,000
Choose how you pay later.
See every Buy Now, Pay Later option that fits your order — with each provider’s terms exactly as issued.
- Invoice, Pay in 3, installments or B2B terms
- You choose and agree — nothing happens automatically
- Declined? Pick the next eligible provider
BNPL orchestration under your brand.
Run BNPLX as white-label infrastructure. You onboard merchants and configure providers — we host and operate the platform.
- Fully white-label
- Merchant and connector management
- Hosted and operated by Green Banana
One integration in. Buyer’s choice out.
BNPLX sits between your checkout and your BNPL providers. You connect once — matching, choice, consent logging and reporting run on our side.
Integrate once
Install the BNPLX app for Shopify, the plugin for Shopware or WooCommerce, or connect your own checkout via REST API.
Match eligible providers
For every order, BNPLX checks in real time which providers can serve it — by basket, country and buyer type — and only shows those.
Let the buyer choose
Each provider’s offer and terms appear exactly as issued. The buyer picks and agrees — and if a provider declines, the next eligible one is a click away.
Track everything
Approvals, declines, choices and consent logs per provider — monitored in one dashboard.
Every BNPL provider has its sweet spot.
Buyer types, basket limits, address rules, branding — providers differ widely. Today a merchant has to pick one and live with its compromises. With BNPLX you offer both, through one integration.
| Provider A | Provider B | Both, with BNPLX | |
|---|---|---|---|
| Buyers | B2C only | B2C & B2B | B2C & B2B |
| Invoice | €50–€5,000 | €50–€25,000 | €50–€25,000 |
| Installments | €200–€10,000 | €50–€25,000 | €50–€25,000 |
| Direct debit | Not offered | Offered | Offered |
| Different shipping address | Not accepted | Accepted | Accepted |
| Branding | Provider-branded | Full white label | Branded or white label |
| Integration | 1 integration | +1 integration | 1 integration for both |
Where both providers fit an order, your buyer chooses — and if one declines, the other becomes the second choice.
Anonymised example of two real BNPL providers. Limits and features vary by provider, market and contract.
A decline doesn’t have to end the checkout.
Under CCD2, providers must assess creditworthiness more strictly — decline rates are expected to rise.
But every provider has its own risk appetite: when one says no, another may say yes. BNPLX shows your buyer the next eligible provider, and the buyer decides.
- Only eligible providers are shown — matched by country, basket size and buyer type
- No silent retry: after a decline, the buyer actively chooses the next provider
- Every offer, choice and agreement is logged — you see where each order was approved
Built for the Consumer Credit Directive.
From 20 November 2026, Buy Now, Pay Later falls under the revised EU Consumer Credit Directive (CCD2) in Germany.
Pre-contractual information, stricter creditworthiness checks and clear consent move into the checkout — and BNPLX is designed around them.
CCD2 applies · 20 Nov 2026
11days until CCD2 applies
The new rules for consumer credit — including BNPL — take effect in Germany.
Creditworthiness
Stricter checks
Providers must assess every BNPL credit more thoroughly before they approve it.
Risk appetite differs
More declines
When one provider says no, a second provider with a different risk appetite can still say yes.
Terms, exactly as issued
BNPLX displays each provider’s offer and pre-contractual information exactly as the provider delivers it. We don’t rewrite, summarise or rank credit terms.
Active choice, no silent switch
The buyer selects a provider and agrees to its terms actively — no pre-ticked boxes and no automatic hand-over to another lender.
Logged and tokenised
Every display, selection and agreement is logged while the provider receives a token for the order — a clean audit trail for merchant and provider.
Business buyers, shorter flow
B2B checkouts offer the same provider choice — without the consumer information step (SECCI), so business buyers get through faster.
BNPLX is a technical service provider. Credit decisions, creditworthiness assessments and pre-contractual information remain with the respective BNPL provider.
Plugs into the checkout you already run.
Ready-made plugins for the major shop systems — and an API for everything else.
AppShopifyOfficial Shopify app. Install it, connect your providers and offer BNPL without custom code.(opens in a new tab)
PluginShopwareShopware plugin with invoice, installments and B2B payment terms in a single checkout step.(opens in a new tab)
PluginWooCommerceWordPress plugin with instant sandbox credentials via Fast Onboarding.(opens in a new tab)- APIREST APIFor custom checkouts, marketplaces and platforms that need full control.(opens in a new tab)
Merchants who went live.
Shops in Germany run BNPLX in production — for consumer and business buyers alike. Here is what they say.
“Uncomplicated & professional onboarding, great support team and what surprised us very positively: How great it is accepted by our customers after a short time. Highly recommended!”
App Store
- Average rating of the BNPLX app across all merchant reviews.
- 5.0 / 5
- Average rating of the BNPLX app across all merchant reviews.
- Every review of the BNPLX app gives five stars.
- 8 of 8
- Every review of the BNPLX app gives five stars.
Shopify app
Free
The BNPLX app for Shopify is free to install.
“The payment methods work flawlessly. I’m delighted with the increase in conversions and revenue!”
“Finally, everything in one interface: B2B and B2C invoice purchasing without detours. A truly powerful solution!”
“Very intuitive onboarding, quick setup, and a noticeable increase in revenue. Highly recommended!”
See BNPLX in your checkout.
30 minutes, your shop system, your markets. We’ll walk you through provider choice, the second choice after a decline and the consent log on a sandbox checkout.