Cross-border payment infrastructure

The settlement layer for cross-border deferred payments.

One integration connects merchants, creditors and consumers across markets — for goods, travel, education and the digital economy.

Request access → How it works
Built for
Travel & OTAs
Retail & goods
Education
Healthcare
Digital & SaaS
Mobility
The opportunity

Deferred payments don't stop at the border. The infrastructure does.

Cross-border commerce is the fastest-growing channel in global retail — and the slowest to settle. A consumer in one market still cannot split a purchase from a merchant in another the way they could at home.

$2.4T
Projected cross-border e-commerce volume by 2030
18%
Of European online checkout already deferred — domestic only
0
Networks that route BNPL across borders today
How it works

One rail. Two sides. Every market.

Merchants integrate once. Creditors plug in once. We route the deferred payment across borders — settlement, FX and compliance handled at the rail.

01

Merchant integrates

A single SDK adds BNPL to checkout across every supported market — without per-creditor contracts.

02

Network routes

We match the purchase to a regional creditor in the consumer's market based on currency, risk and product.

03

Settlement clears

The creditor underwrites and pays out locally. The merchant receives settlement in their own currency.

The network

Built for both ends of the transaction.

For merchants

Offer local BNPL in every market you sell in.

One integration, every supported market. No per-creditor legal, FX or PCI overhead.

  • Single SDK, every supported market
  • Settlement in your local currency
  • PCI scope kept off your stack
  • Compliance handled by local creditors
Merchant — request access →
For creditors

Reach merchants and consumers outside your home market.

Join as a regional creditor and route your BNPL product to merchants across our partner footprint.

  • Distribution across our merchant network
  • Underwriting and approval stays with you
  • Local regulatory perimeter preserved
  • FX and reconciliation handled at the rail
Creditor — join the network →
Get in touch

The window is open. Build the rail that owns it.

Join the merchant and creditor network making cross-border BNPL real.

Merchant access → Creditor network