Your future-proof BNPL Platform

For credit cards, debit cards, account-to-account and alternative payment methods

The main capabilities of Sileon’s SaaS Platform include offering BNPL options to your customers, allowing them to convert already completed purchases into credit products retroactively.

For an end user, this means splitting a purchase made by a credit-/debit card into numerous instalments directly in a bank app or postponing an invoice to a later date at a transaction. Alternatively, your customers can choose the BNPL option when paying with a card or any alternative payment method at checkout.

As Sileon’s cloud-based BNPL SaaS Platform is connected to your infrastructure through a simple integration, all necessary actions are seamlessly addressed behind the scenes without burdening your IT capacity or system. And yes, the Platform is fully tokenised, allowing you to keep customer dialogue, terms, and data within your core business.

Use case

Credit card-based Pay Later

Sileon’s global BNPL SaaS Platform provides all the necessary capabilities for a card-based BNPL offering, allowing you to improve profitability and customer satisfaction.

In this use case demo, we’ll take a closer look at the actions performed by Sileon’s BNPL SaaS Platform when an end user decides to convert a completed purchase made by a credit card into a six-month instalment plan.

What’s your annual BNPL revenue?

Fill out the form and find out

Whether you are an established bank thinking of adding BNPL to your existing card base or a newly started fintech curious to crunch the BNPL numbers, Sileon’s BNPL ROI calculator can help you make an informed decision.

Simply enter the number of credit or debit cards (or both) to find out your estimated yearly number of transactions, BNPL plans, and annual BNPL revenue.

* M = Million** MEUR = Million Euro

Want to know more about the BNPL ROI specifics for your card business?

Go fast to market and scale your business

Sileon’s BNPL SaaS Platform acts as a core-banking system for BNPL and is essential for any bank, lender or fintech wanting to run a smooth BNPL operation in-house. It’s easily integrated into your financial system by two external APIs, which handle all communication.

With the Platform, you can launch a credit card-based BNPL within 6-8 weeks. Besides, you can easily also scale with new BNPL products, such as debit and/-or co-branded cards.

The setup is equally relevant for banks, lenders and fintechs striving to quickly enter the booming BNPL market with a flexible, yet fully compliant and secure SaaS product.

Capabilities and functions

The Platform’s capabilities include, but are not limited to, the following:

• Purchase and Refund Management
The first and foremost capability lets you execute multiple actions in the Platform. These include creating or editing purchases, refunding, or managing line items and discounts.

• Account Management
The Account Management capability allows you to create and manage accounts. This includes, for example, registering deposits, removing fees and interest, and enabling end users to Opt-Out from an instalment plan. The capability also includes ledger functionality.

• BNPL Product Management
This capability allows you to create and tailor different BNPL products within minutes to meet specific market and end users’ needs. These include monthly or flexible instalments, direct invoicing, and revolving credit.

• Data Access Management
This capability handles all data securely, ensuring you possess full ownership of business transactions processed through the Platform.

• Identity and Access Management
This critical security component allows you to manage user access, invitations, and client configurations.

BNPL complexity made easy

Let our Platform do the work

A BNPL Platform needs to serve many purposes and possible outcomes.

That’s why we’ve created a fully scalable and modular BNPL SaaS Platform, easily adjusted to meet the needs of your card business, no matter what market you call home.

Solution modules for additional flexibility

With the BNPL SaaS Platform in place, Solution modules can be added as an extra functionality to supplement the Platform further. The elective Solution modules are placed on top of the Platform and can easily be added or removed depending on your needs and preferences.

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