Loan Management System · Buy Now, Pay Later

Buy now, pay later, with an answer at checkout

Let shoppers split purchases into instalments. Decide in seconds, collect automatically and keep losses low.

Get started for free Talk to our team
Launch in daysPre-built lending logic lets you move straight to production, without long engineering cycles.
Easily customisableAdjust interest rates, fees, risk rules and approval steps from a simple editor.
Seamless integrationsConnect credit bureaus, identity checks and payment providers without patchwork middleware.
Built for complianceEvery product is set up with good regulatory practice in mind, so you can focus on growing.

See it with sample data

A look at the buy now, pay later screens your team would use. The names and figures are made up for illustration.

Credit Watch · Checkout and instalment planSample data
Approval rate82%+3 pts
Average basketK 1,180+K 60
Late instalments3.1%-0.6 pts
Recovered after a reminder71%+5 pts

Checkout

Basket
Wireless headphones
Total
K 1,200
Plan
Pay in 4, weekly
Today
K 300
Then
3 x K 300
Approved in 2 seconds

Instalment plan

InstalmentDueAmountStatus
1 of 4TodayK 300Paid
2 of 4In 7 daysK 300Scheduled
3 of 4In 14 daysK 300Scheduled
4 of 4In 21 daysK 300Scheduled

Made for short, frequent instalments

Fast for the shopper, safe for you.

Decisions in secondsRules and affordability checks return approve, decline or refer through the API.
Pay in 2, 4 or 6Weekly, fortnightly or monthly schedules, with the first payment at checkout.
Late-fee rulesCharges that apply automatically when an instalment is missed.
Reminders and linksNudges before and after each due date, each with a payment link.
Exposure limitsCap what one shopper can owe, and treat returning shoppers differently.
Built for checkoutRetry-safe API calls with idempotency keys.

The choice at checkout

Shoppers see the plan, the first payment and the dates before they confirm, so there are no surprises later.

  • Pay in 2, 4 or 6 parts
  • Answer in seconds
  • First payment taken at checkout
9:41
YLApply for a loanPay in 4
How much do you need?
K 1,200Slide to choose
For how long?
6 months4 weekly payments24 months
You payK 300.00
Total repayableK 1,200.00
Continue

A decision in seconds, no branch visit

Sample screen, shown with your name and logo

Paying each instalment is one tap

Reminders carry a secure payment link, so the shopper can settle an instalment in seconds.

  • Mobile money or card
  • Posted to the right plan at once
  • Receipt sent automatically
9:41
YLSecure paymentYour Lender
Pay loan LN-20418K 1,200.00Mary Banda · due today
Pay with
Mobile money
Card
Mobile number097 123 4567
Pay K 1,200.00

Payments are secure and posted to your loan at once

Sample screen, shown with your name and logo

Checkout in four steps

One clear path, the same every time.

ChooseThe shopper picks an instalment plan at checkout.
DecideYour system calls the API and gets an answer in seconds.
PlanThe first payment is taken and the rest are scheduled.
CollectReminders and payment links bring each instalment in on time.

Rules that protect your margin

Tune them as you see real results.

Exposure limitsCap the total owed per shopper.

Repeat-borrower rulesNew and returning shoppers get different limits.

Late feesAutomatic charges on missed instalments.

Early warningsArrears ageing that shows trouble while it is small.

Identity checksKYC and blacklist checks inside the flow.

Complete recordsAn audit trail for every purchase and repayment.

Frequently asked questions

Short answers to what lenders ask us about buy now, pay later.

1How quickly can a shopper get a decision?

In seconds. Your checkout calls the API, rules and affordability checks run, and the answer comes back as approve, decline or refer.

2What instalment plans can I offer?

Pay in 2, 4 or 6 parts, weekly, fortnightly or monthly, with the first payment taken at checkout if you wish. Late-fee rules apply automatically when an instalment is missed.

3How do I keep losses low?

With exposure limits per shopper, repeat-borrower rules, identity and blacklist checks, automatic reminders with payment links, and arrears ageing that shows trouble while it is still small.

4Can I explore Buy Now, Pay Later before committing?

Yes. You can start free, with no payment details needed to begin, and try it with your own products and settings. Our team can also set up a working example with you.

5How is customer information kept secure?

All traffic uses HTTPS, passwords are stored as one-way hashes, and people see only what their role allows. Every action is recorded in an audit log, and each company's data is kept apart from everyone else's. Card and mobile-money payments are handled by the payment providers you connect, and the platform records the references.

6Which industries and lenders is it built for?

Banks, microfinance institutions, SACCOs and credit unions, fintechs, buy now pay later providers, auto and asset lenders, and enterprises that lend to customers, staff or suppliers.

Get started with Buy Now, Pay Later

See how Credit Watch can run this for you. Start free, and our team will help you go live in days.

Get started for free Talk to our team
Or call us on +260 953 436 602