More providers. More approved orders.
Offer invoice, Pay in 3, installments and B2B payment terms from several BNPL providers — through one plugin for Shopify, Shopware or WooCommerce. Your buyers choose, and after a decline they get a second choice instead of a dead end.
Your checkout, without a single point of failure.
With one BNPL provider, every decline is a lost order — and under CCD2, declines will rise. BNPLX lets you run several providers side by side, without extra integration work.
More orders approved
Every provider has its own risk appetite. When one declines, the buyer can choose the next eligible provider in the same checkout.
One plugin, many providers
Install once for Shopify, Shopware or WooCommerce — or use the REST API. Adding a provider is configuration, not a new project.
B2C and B2B
Invoice, Pay in 3 and installments for consumers; payment terms for business buyers — with baskets up to €100,000.
One dashboard
Approvals, declines, captures and refunds across all providers — monitored and analysed in one place.
Stop choosing between providers. Offer both.
Every BNPL provider has its sweet spot — buyer types, basket limits, address rules, branding. Today you pick one and live with its compromises. With BNPLX you offer several, 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.
Keep the order when a provider says no.
Under CCD2, BNPL providers must check creditworthiness more strictly, so more orders will be declined.
With BNPLX, your buyer sees the next eligible provider right in the checkout — and you keep the sale.
- 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
Provider 1 couldn’t approve this order. You can choose another eligible provider — or pay another way.
Example checkout · illustrative terms
Every way your buyers want to pay later.
Offer the BNPL methods of several providers side by side — each shown with the provider’s own terms.
- B2C · consumers
Pay by invoice
Buyers receive their order first and pay later on invoice.
- B2C · consumers
Pay in 3
The basket is split into three payments — easier to say yes to a higher basket.
- B2C · consumers
Installments
Monthly installments for larger purchases, with the provider’s terms shown exactly as issued.
- B2B · business buyers
Payment terms
Invoice and payment terms for business buyers, baskets up to €100,000 — without the consumer SECCI step.
Control every product and market.
Decide which payment methods and providers you offer — per product category and per country. Example configuration for a travel business.
Several BNPL providers per method.
For each payment method, several providers are available. If one declines, your buyer can choose the next.
| Product | Germany | Austria | Switzerland |
|---|---|---|---|
| Package holiday |
|
|
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| Hotel only |
|
|
|
| Car rental |
|
| Not active |
| B2B services |
|
| Not active |
Example configuration. Available methods depend on the providers you connect, their terms and your markets.
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.