Buy now Pay later (BNPL) Top 5 Indian Apps for Merchants

Buy now Pay later (BNPL) Top 5 Indian Apps for Merchants

  • BNPL, which is now becoming very popular, its concept is being liked by the people. We think that it's for customers only. But it's not like that it is also for merchants. It seems that only the customer is getting the benefit of it, it is not like that, it should benefit the merchant along with the customer. The customer pays after purchasing the goods, but the merchant gets the payment from the BNPL plan program at the same time.
    The merchants used the third person(BNPL), from which they get the payment for the goods sold, later consumers paid it to BNPL at 0 or low-interest rate.
    All BNPL has their own terms & conditions work, so the merchants have to know what will be right for them. Today, we are listing a few BNPL Apps which are designed for merchants.

What is Buy Now Pay Later?

  • BNPL services have revolutionized the payment landscape by allowing consumers to purchase goods immediately and pay for them over time, usually interest-free. This arrangement benefits merchants by increasing average order values and improving conversion rates, making it an attractive addition to any business model.

The Importance of BNPL for Merchants:

  • Integrating BNPL solutions can catapult a business's growth by enhancing customer loyalty and reaching a wider audience. The flexibility in payments significantly reduces the financial burden on customers, encouraging them to make larger purchases.

Top 5 BNPL Apps for Merchants:

  • Choosing the right BNPL app can be daunting for merchants. This section provides a detailed look at the top 5 apps, their unique features, and how they can benefit your business.

Rupifi App:

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Rupifi is making waves as a top Buy Now, Pay Later (BNPL) app, transforming how consumers and businesses approach financing. By offering immediate, short-term credit for purchases, Rupifi simplifies the buying process. Its standout feature is its seamless integration with merchants, enabling a smooth checkout experience. Rupifi's innovative approach not only enhances customer satisfaction but also boosts merchant sales. Its commitment to security, user-friendly interface, and flexible payment options place it at the forefront of the BNPL market, demonstrating potential for significant impact in the evolving digital finance landscape.

Cashfree App:

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Cashfree, a prominent player in India's fintech landscape, introduces its pioneering Buy Now Pay Later (BNPL) solution, revolutionizing the payment ecosystem. As a trusted payment gateway, Cashfree extends its expertise to offer consumers convenient access to credit for their purchases. With Cashfree BNPL, customers can enjoy the freedom of buying products upfront and settling payments later through flexible installment plans, eliminating the reliance on traditional credit cards. Seamlessly integrating into merchants' checkout processes, Cashfree BNPL ensures a frictionless shopping experience. By providing instant approvals and transparent payment options, Cashfree empowers consumers to fulfill their desires while managing their finances responsibly, enhancing their overall shopping journey.

Flipkart Wholesale:

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Flipkart Wholesale
Flipkart Wholesale

Flipkart Wholesale is a digital B2B marketplace platform launched by Flipkart, one of India's leading e-commerce giants, aimed at transforming the kirana retail ecosystem and small businesses in India. This initiative is designed to provide small retailers and businesses with access to a wide range of products directly from manufacturers and producers at competitive wholesale prices. Flipkart Wholesale leverages Flipkart's advanced technology and logistics infrastructure to offer an efficient and transparent procurement process, ensuring quality products, easy credit facilities, and speedy delivery. It caters to the needs of retailers in various categories such as fashion, groceries, and electronics, thereby empowering them to compete more effectively in the digital economy.

ePayLater App:

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ePayLater is a digital payment solution offering a unique buy now, pay later (BNPL) service targeted at easing the transaction process for consumers and businesses alike. By allowing customers to make purchases instantly and defer payment for a stipulated period, typically 14 to 30 days, ePayLater promotes convenience and financial flexibility. This innovative service requires minimal upfront information for approval, focusing on a seamless checkout experience without the immediate need for cash or card details. ePayLater caters primarily to the Indian market, aiming to enhance customer purchasing power and satisfaction while providing merchants with faster checkouts, increased conversion rates, and higher average order values, thereby fostering loyalty and repeat business.


What does BNPL stand for?

  • BNPL stands for "Buy Now, Pay Later." It is a payment option that allows consumers to purchase goods and services immediately and pay for them over time.

What is BNPL in India?

  • In India, BNPL (Buy Now, Pay Later) is a fast-growing payment option that allows consumers to make purchases instantly and settle the payments at a later date, often interest-free. This method is increasingly popular in online shopping and financial transactions.

Can banks offer BNPL?

  • Yes, banks can offer BNPL (Buy Now, Pay Later) services. Many banks have started to partner with fintech companies or develop their own BNPL solutions to provide customers with flexible payment options for their purchases, blending traditional banking services with modern financial needs.

Does BNPL affect cibil score?

  • Yes, BNPL (Buy Now, Pay Later) can affect your CIBIL score, similar to any credit product. If you make timely payments, it can positively impact your score. However, missed or late payments can be reported to credit bureaus, potentially leading to a negative effect on your CIBIL score.

Is BNPL interest free?

  • Yes, many BNPL (Buy Now, Pay Later) plans are interest-free, offering consumers the option to split their purchase into smaller, manageable payments without additional costs if paid back within the agreed period. However, some providers may charge interest or fees for longer-term financing options or late payments.

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