BNPL aggregator
Offer interest-free instalment payments from multiple BNPL providers through one integration.
Paypercut’s BNPL aggregator lets you offer Buy Now, Pay Later across Europe with a single connection. You activate BNPL providers in your dashboard, and Paypercut automatically presents the available options at checkout based on the customer’s market - all managed through one setup.
Why businesses choose BNPL with Paypercut?
One integration, all BNPL options
Turn on multiple BNPL providers without rebuilding your checkout or adding new plugins.
Interest-free instalments for customers
Most providers offer 3–4 interest-free instalments, which makes higher basket values easier to accept and reduces price-driven drop-offs.
Zero credit risk for merchants
You receive the full payout upfront for every approved BNPL transaction. Providers handle credit scoring, fraud checks, instalment management, and collection.
Boost sales and average order value
Instalment options help customers say yes to larger or more frequent purchases.
Familiar brands, higher completion
Customers often recognise at least one BNPL brand or find a repayment schedule that suits them. This leads to more completed checkouts.
Market-specific setup
When you sign up, you see all BNPL providers that operate in your selected countries. You enable or disable each provider in your dashboard, and your checkout shows only the active options for that market.
What the BNPL aggregator includes?
Paypercut coordinates the full BNPL workflow through its connected providers.
Credit scoring
Turn on multiple BNPL providers without rebuilding your checkout or adding new plugins.
Fraud prevention
Fraud checks are handled by the BNPL providers as part of their approval process, reducing risk without adding extra steps for the merchant.
Instalment management
Installment schedules are managed by the BNPL provider directly with the customer, while Paypercut ensures the correct option is presented at checkout.
Payment collection
For approved BNPL transactions, you receive the full payment upfront. The BNPL provider collects installments from the customer over time.
Local approval flows
Customers see locally relevant BNPL options and approval flows based on their market, improving acceptance and checkout completion.
Regulatory compliance
BNPL providers handle local regulatory and consumer credit requirements, so you can offer instalments across markets without managing compliance yourself.
All of this is covered by the BNPL fee. There are no separate invoices from providers.
BNPL providers by market.
Country
Providers
Bulgaria
NewPay, Twisto (coming soon)
Romania
TBI, Twisto (coming soon), Mokka (coming soon), PayPo, Klarna (coming soon), Leanpay (coming soon)
Greece
Klarna (coming soon), Snappi (coming soon)
Hungary
Leanpay (coming soon), PastPay (B2B only) (in discussion)
Poland
PayPo, Twisto (coming soon), Mokka (coming soon), Klarna (coming soon)
Czechia
Twisto (coming soon), Klarna (coming soon)
Slovakia
Banks (Card Installments)(Coming soon)
Slovenia
BNPL routing powered by Paypercut, LeanPay (coming soon), Banks (card installments) (coming soon)
Croatia
BNPL routing powered by Paypercut, LeanPay (coming soon)
Baltics
Coming soon
Integration options.
BNPL runs through your existing Paypercut integration. You decide how much control you need.
Activate BNPL in your Paypercut dashboard and show it next to your current checkout options.
Use Paypercut’s full checkout components and let us handle how BNPL is presented in the payment step.
Use Paypercut APIs to build a custom checkout that still relies on our routing, risk checks, and provider connections in the background.
All three options share the same backend connection, so you do not maintain multiple systems.
Simple, all-inclusive BNPL pricing.
Pricing
No setup fees.
No monthly fees.
No separate charges from BNPL providers - everything is included in the 5%.
Get started
5% per approved BNPL transaction.
Still comparing options?
Talk to our team - we’ll help you choose the setup that fits your business.
Book a call
Included by default.
BNPL aggregator works seamlessly with:
Online checkout
Accept payments via hosted or embedded checkout, e-commerce plugins, or express checkout with Apple Pay and Google Pay.
Payment Links & QR Codes
Get paid without a website using shareable payment links or QR codes. Ideal for invoices, social sales, and in-person payments.
Billing & payouts
Handle recurring payments, subscriptions, split payments, and pre-authorisations. Control how payments are charged, split, and paid out.
BNPL Aggregator - FAQ
Do I need separate approval from each BNPL provider?
How do I manage multiple BNPL providers once approved?
Can I enable or disable BNPL providers per country?
What happens if a BNPL payment is declined?
Try Paypercut’s online payments demo.
See how your customers will pay - cards, wallets, links, and QR - before you sign up.
Paypercut EOOD, company number 208256434, is a SaaS company providing a technical platform and ancillary non-regulated services. Regulated payment and e-money services are provided by Paynetics AD, company number 131574695, an electronic money institution licensed and regulated by the Bulgarian National Bank and by Embed BV, company number 85548413, a payment institution licensed and regulated by the Dutch Central Bank, with both institutions passported to provide services across the European Economic Area (EEA).
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