BNPL orchestration under your brand.
Give your merchants several Buy Now, Pay Later providers through one white-label layer. You onboard merchants and choose providers — Green Banana hosts and operates the platform, CCD2-ready.
Your brand in front. Our infrastructure behind.
BNPLX runs as white-label infrastructure inside your payment offering. You keep the merchant relationship — we run orchestration, provider connections and operations.
Connect once
Integrate BNPLX into your checkout or payment stack via REST and GraphQL APIs.
Onboard merchants
Create merchants, manage their connectors and move them from sandbox to live in your own dashboard.
Configure providers
Decide which BNPL providers each merchant can offer — by market, basket size and buyer type.
Operate at scale
Monitoring, reconciliation and reporting across all providers and merchants, in one place.
Everything a BNPL offering needs — already built.
Run BNPL for your merchants without building and maintaining a connection to every provider yourself.
Fully white-label
Your brand on checkout, merchant dashboard and documentation — Green Banana stays in the background.
Merchant & connector management
Onboard merchants, manage provider connectors and control what each merchant can offer.
Hosted and operated
Green Banana hosts, monitors and operates the platform — including provider connections and updates.
Reconciliation & reporting
Settlement data, reconciliation and reporting across providers — with accounting as a service if you need it.
Fewer lost orders for every merchant on your platform.
Under CCD2, BNPL providers must check creditworthiness more strictly — decline rates are expected to rise.
With BNPLX, buyers see the next eligible provider after a decline, so your merchants keep more orders and you keep more volume.
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.
Offer BNPL under your brand.
Let’s talk about your merchant base, your markets and the BNPL providers you want to offer — and how BNPLX fits into your stack.