What is embedded finance for merchants?

Embedded finance for merchants integrates financing options directly into the checkout experience. Customers can choose to pay in installments or defer payment without leaving the merchant's website. The finance provider handles credit assessment and risk while the merchant receives immediate settlement.

How does white-label BNPL work for merchants?

Stacc's white-label BNPL solution lets banks and finance companies offer buy now pay later under their own brand at merchant checkouts. The platform handles real-time credit decisions, payment scheduling, and settlement while the financing appears seamless within the merchant's purchase flow.

How quickly can merchants be onboarded?

Stacc provides API-first integration with standardized merchant onboarding workflows. E-commerce platforms can integrate the financing widget with minimal development effort, and individual merchants can be activated through automated KYC and risk assessment processes.

Embedded Finance for Merchants

Embedded finance that accelerates your growth

Our full-scale Buy Now, Pay Later (BNPL) technology solution let's merchants provide flexible B2C and B2B financing options for their customers at digital and in-store Points-of-Sale (POS).

Quick credit onboarding at POS. Highly flexible. Unlocking growth.

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Embedded Finance for Merchants

Embedded finance that accelerates your growth

Our full-scale Buy Now, Pay Later (BNPL) technology solution let's merchants provide flexible B2C and B2B financing options for their customers at digital and in-store Points-of-Sale (POS).

Quick credit onboarding at POS. Highly flexible. Unlocking growth.

Request a Demo

Visit Trust Center

Embedded Finance for Merchants

Embedded finance that accelerates your growth

Our full-scale Buy Now, Pay Later (BNPL) technology solution let's merchants provide flexible B2C and B2B financing options for their customers at digital and in-store Points-of-Sale (POS).

Quick credit onboarding at POS. Highly flexible. Unlocking growth.

Request Demo

Trust Center

We got you covered

Flexible financing options for your customers

Our software is designed to cater the full range of Buy Now, Pay Later (BNPL) options.

Pay later

Offer your customers the flexibility to pay in installments over time, whether it's 3 months, 6 months, 9 months or more.

Pay later

Offer your customers the flexibility to pay in installments over time, whether it's 3 months, 6 months, 9 months or more.

Part payment

We support part payment plans, with terms ranging from 3 to 24 months or more, allowing your customers to choose the repayment plan that suits their needs.

Revolving credit

Implement revolving credit solutions, enabling customers to maintain a shopping account based on minimum payments.

Revolving credit

Implement revolving credit solutions, enabling customers to maintain a shopping account based on minimum payments.

Why Stacc for BNPL?

We have a passionate commitment to innovation and customer-centric solutions for merchants seeking to excel with BNPL solutions.

Cloud-native credit platform

Our modern platform gives financial institutions the agility and speed to transform credit and lending—making it faster, more transparent and more human, while staying ready for tomorrow’s challenges.

Powered by a Gartner® recognised Credit Decision Engine, 200+ pre-built integrations and API-native modules, it is the ultimate platform for financial institutions seeking to modernise their credit journeys and drive unprecedented automation.

Innovative company

Superior Time-to-Value

Native compliance and security

Cloud-native credit platform

Innovative company

Superior Time-to-Value

Native compliance and security

Explore capabilities

Powerful capabilities that set us apart in BNPL

We empower your company with the capability to customise and optimise your financing process to match your unique expectations.

Full-scale BNPL bank functionality

Whether you're building your in-house “buy now pay later” solution from scratch or looking to integrate with bank partners, we've got you covered.

Highly adaptable solutions

Customise your payment process to resonate with your brand identity and cater to your customers' unique preferences. Our solutions are adaptable to your unique business needs.

End-to-end customer journey

We handle the entire customer journey, from the digital and automated application, onboarding and credit process to the utilization of approved credit. We understand the power of simplicity and seamlessness.

Automated application processes

Our dynamic decision engine will supply you with efficient and accurate risk assessment. Manual case handling is also supported when needed.

Campaigns with flexible financing

From seasonal promotions to targeted marketing campaigns, we enable you to drive sales with flexible finance campaigns for both B2B and B2C.

Complex access control

Manage B2B customer accounts with ease, setting up complex access controls that align with your business requirements.

White label application frontends

We offer white label solutions, so your brand remains front and center. Our frontends can be customized to reflect your unique identity.

Custom analytics tooling

Make informed decisions with confidence using our custom analytics tools. We provide you with valuable insights that support your strategic planning and growth.

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Ready to add modern financing options?

Connect with us to learn how we can help you with Embedded Finance for Merchants.

Disclaimer: GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.