Pay later. Your way.
In shops that use BNPLX, you choose between several Buy Now, Pay Later providers at checkout — invoice, Pay in 3, installments or payment terms for your business. You see each provider’s terms exactly as they issue them, and you decide.
Choose. Read. Agree. Pay later.
Paying later with BNPLX works like any checkout — with one difference: you get a real choice between providers.
Example checkout · illustrative terms
See your options
At checkout you see the Buy Now, Pay Later providers that fit your order — by country, basket size and whether you buy privately or for a business.
Read the terms
Each provider’s offer and pre-contractual information is shown exactly as the provider issues it. Nothing is rewritten or ranked.
Choose and agree
You pick a provider and agree to its terms yourself. No pre-ticked boxes, no automatic switch to another lender.
Second choice
If a provider declines, you can choose the next eligible provider — or pay another way. It’s always your decision.
Clear answers before you buy.
The essentials about paying later with BNPLX — who decides, who you deal with and what you can expect.
The provider decides
The BNPL provider you choose checks your request and decides. BNPLX is a technical service provider — we route, we don’t lend.
Your contract is with the provider
Questions about a payment plan or an invoice go to the provider you chose. Questions about your order go to the shop.
Only what fits your order
Shops and providers set rules per product, basket size and country — so you only see options you can actually use.
Buying for your business?
Get payment terms on invoice from providers that specialise in B2B — without the consumer credit information step (SECCI).
Declined? You still have a choice.
Providers assess every request differently.
If one says no, BNPLX shows you the next eligible provider — and you decide whether to use it.
Only providers that fit your order are shown
Nothing is passed on automatically — you choose the next provider yourself
Every offer you see and every choice you make is documented
Built for the new consumer credit rules.
From 20 November 2026, Buy Now, Pay Later falls under the revised EU Consumer Credit Directive (CCD2) in Germany.
You get clear information before you agree — and providers must check more carefully before they approve.
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.
Your choice
Second choice
When one provider says no, another provider with a different risk appetite may still say yes.
Terms, exactly as issued
You see each provider’s offer and pre-contractual information exactly as the provider delivers it — not rewritten, summarised or ranked.
Your active choice
You select a provider and agree to its terms yourself — no pre-ticked boxes and no automatic hand-over to another lender.
Documented
Every offer shown and every agreement is logged — so it’s always clear what was agreed.
Buying for a business
For B2B purchases you get the same choice of providers — without the consumer information step (SECCI).
BNPLX is a technical service provider. Credit decisions, creditworthiness assessments and pre-contractual information remain with the respective BNPL provider.
Want this checkout in your shop?
Offer your customers several Buy Now, Pay Later providers through one integration — with a second choice after every decline.