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.
Pay in 3 installments 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.
Checkout Selection
Customer selects installment payment as payment method at your online checkout or at the in-store POS.
AI Credit Scoring
Instant creditworthiness analysis via Open Banking and credit bureaus. Response in under 1 second.
Instant Approval
Customer is approved and selects preferred installment plan: 3, 4 interest-free payments, or up to 24 months.
Instant Payout
You receive the full sale amount immediately. Installments and debt collection are entirely managed by 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": "bnpl", "psp": "roxpay", "items": [ { "name": "Sneakers", "price": 149.90, "quantity": 1 } ] }'
Payment approved
• 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
Problem
72% cart abandonment rate on orders above €250. Customers hesitate in front of high-value purchases for premium items, causing a significant drop in conversions and average order value.
Solution
RoxPay BNPL integration via API at checkout: interest-free installment payments (3 or 4 installments), real-time AI credit scoring with Open Banking, 100% immediate payout for the merchant.
Result
Integration completed in 48 hours. Average order value increased by 35%, cart abandonment reduced to 41%, returns decreased by 18%. Zero default risk for the merchant.
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
Compliant with Italian National Cybersecurity Agency guidelines
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.