Buy Now Pay Later integrated into your checkout
Offer installment payments to your customers with RoxPay BNPL and increase average order value by up to 30%. AI credit scoring with instant approval, credit risk entirely on us, immediate payout.
Pagar en 3 cuotas Why Customers Abandon the Cart
When the total weighs too much on the monthly budget, conversions drop. These are the barriers BNPL removes.
Full amount too high upfront
68% of consumers give up a purchase when the total impacts their monthly budget. An interest-free installment option removes this barrier and increases order completion rates.
Traditional financing is too slow
Requesting documents, payslips, and waiting days for approval is incompatible with digital commerce. Your customers want answers in milliseconds, not weeks.
Complex checkout and high drop-off
Every extra step in checkout increases abandonment by 10%. BNPL must be embedded and invisible, with no redirects to external platforms.
How Installment Payments Work
From checkout to payout in 4 transparent, automated steps.
Selección en el checkout
El cliente selecciona el pago en cuotas como método de pago en tu checkout online o en el POS de la tienda.
Credit scoring IA
Análisis instantáneo de la solvencia crediticia via Open Banking y centrales de riesgo. Respuesta en menos de 1 segundo.
Aprobación instantánea
El cliente es aprobado y elige el plan de cuotas preferido: 3 o 4 cuotas sin intereses, o hasta 24 meses.
Cobro inmediato
Tú recibes el importe total de la venta de inmediato. Las cuotas y el cobro de deudas son gestionados íntegramente por RoxPay.
Tangible Benefits for Your Business
Every RoxPay Buy Now Pay Later feature is designed to boost conversions, reduce risk, and simplify operations.
Real-time AI credit scoring
Predictive algorithms analyze hundreds of datapoints via Open Banking to assess risk in milliseconds. No documents required from the customer.
Credit bureau integration
Instant check against Crif and Experian for high amounts. Combined scoring that balances speed and reliability.
Customer onboarding in 30 seconds
The customer fills in minimal essential data. No payslips, no paperwork, no waiting. Mobile-first experience.
BNPL for businesses too (B2B)
Offer deferred payments to business clients with invoice financing and dedicated B2B credit scoring. Configurable limits by industry.
Debt collection included and managed
We handle reminders and collection of unpaid installments. You've already received the full amount at the time of purchase.
Cross-border coverage across Europe
Installment payments work with customers across Europe thanks to PSD2 harmonization and multi-country Open Banking compliance.
Installment Payments Integrated via API
RoxPay offers the BNPL service directly with real-time creditworthiness assessment. The AI credit scoring returns a response in under one second. Full integration via RESTful API or plugins for WooCommerce, Shopify, and Magento.
- Split payment: 3 or 4 interest-free installments for the end customer
- Long-term financing: up to 24 months for high amounts with a customized plan
- White label: the entire experience stays in your brand, no third-party logos
- Omnichannel: available online, on mobile app, and on Smart POS in-store
Merchants integrating RoxPay installment payments report a 25-30% increase in average ticket size and a 40% reduction in cart abandonment.
curl -X POST "https://api.roxpay.eu/v1/orders" \ -H "Authorization: Bearer sk_test_..." \ -H "Content-Type: application/json" \ -d '{ "amount": 149.90, "currency": "EUR", "payment_method": "scalapay", "items": [ { "name": "Sneakers", "price": 149.90, "quantity": 1 } ] }'
Pago aprobado
• 3 x €49.96 Fashion E-commerce: +35% Average Order Value with RoxPay BNPL
Made in Italy Fashion E-commerce
Premium clothing e-commerce platform featuring over 200 Italian brands
Problema
Tasa de abandono del carrito del 72% en pedidos superiores a 250€. Los clientes dudan ante compras de alto valor en artículos premium, causando una caída significativa en las conversiones y el valor medio del pedido.
Solución
Integración RoxPay BNPL via API en el checkout: pago en cuotas sin intereses (3 o 4 cuotas), credit scoring IA en tiempo real con Open Banking, cobro inmediato al 100% para el comercio.
Resultado
Integración completada en 48 horas. Ticket medio aumentado un 35%, abandono del carrito reducido al 41%, devoluciones disminuidas un 18%. Riesgo de insolvencia cero para el comercio.
Security and Certifications for Online Payments
Every online transaction is protected by enterprise-grade security standards and compliant with European regulations.
PCI DSS Level 1
Highest certification level for card data protection
PSD2 Compliant
European Payment Services Directive compliant
GDPR Ready
EU data centers, DPA included, end-to-end encryption
ACN Cybersecurity
Cumple las directrices de la Agencia Nacional de Ciberseguridad italiana
Our clients, their results
Hotel La Magione
Charming accommodation for exclusive stays
The Problem
High abandonment rate during checkout for long or premium stays. Difficulty attracting customers with a lower upfront budget but desiring an exclusive experience.
The Solution
Integration of RoxPay Buy Now Pay Later at booking, offering the option to split the cost of the stay into 3 interest-free installments.
The Result
Significant increase in direct bookings, rise in average booking value, and a drastic reduction in cancellations.
Hotel Alcide
Historic hotel for business and leisure stays in Poggibonsi
The Problem
Need to modernize the payment offering, especially for higher-cost holiday packages and special events, by offering greater flexibility to customers.
The Solution
Adoption of RoxPay BNPL, ensuring a smooth and secure payment experience both on the website and at check-out in the facility via Smart POS.
The Result
Rejuvenated customer base, increased loyalty, and higher spending on supplementary services (restaurant, spa) due to the preserved initial budget.
Give your customers purchasing power
Integrate Buy Now Pay Later into your checkout and watch sales grow. Instant payout, zero credit risk for the merchant.
