Core solution
The PAYLA software platform is a complete turnkey solution covering all aspects of BNPL, including automated risk assessment for credit scoring and fraud, invoicing, debtor management, accounting, dunning, and multi-channel customer support.
Additionally, PAYLA and its bank partners can provide full refinancing of any invoice and instalment volume, if required.
Our customers from the payment and banking industry are able to offer BNPL products to their merchant clients within weeks, simply by configuring product features and connecting to the PAYLA platform via a simple API.
PAYLA is one of the few true white-label BNPL providers: we do not sell our services directly to merchants. We do not use our brand name in front of merchants or consumers.
Target market
Contact details
roberto.valerio@payla.de
Geographical presence
Europe
Year founded
2021
Member of industry association and/or initiatives
MRC
Company's motto
BNPL-as-a-Service. True white-label 'Buy Now, Pay Later' products for Payment Service Providers and Financial Institutions
Service provider type
Payments and financial infrastructure
Yes
Channels - context
Online
POS/In store
Omnichannel
Payments capabilities
Hosted pages
White-label solution
Recurring billing
Payment methods supported
BNPL, Direct Debit
Settlement currencies
Instant settlement
Pay-out/Disbursements
Reconciliation and reporting
B2B payments
E-invoicing (automated)
Factoring
Reporting/dashboards
Consolidated data and reporting dashboard
Fraud and risk management capabilities
Fraud and risk management partners
In-house risk engine. Various risk data providers
Financial and compliance capabilities
Current account/settlement account
Lending
Client onboarding (KYC/KYB)
Clients
Main clients/references
Large Payment Service Providers, Financial Institutions (retail banks)
Future developments
One-click BNPL for POS