Technical modules BNPL

Technical modules BNPL


Customers and providers appreciate flexible payment solutions. We develop, purchase, connect and operate all modules that are necessary for the operation of a Buy Now Pay Later (BNPL) platform. Our technology has a modular structure. Existing elements of the providers can continue to be operated and reliably integrated into the new environment.


Ask us! We support you in your situation with the following functions:


Integration of customer data

  • Interfaces to your sales and third party partners
  • Appropriate conversion of existing customer data


All elements for easy customer onboarding

  • KYC Processing, order processing
  • Risk Management, multi-information system
  • Risk management, flexible decision-making schemes
  • Fraud prevention, external systems
  • Fraud prevention, AI system for provider-owned data
  • Compliance checks


Payment processing, Payment Service Providing (PSP)

  • PSP partners: Worldline / Payone / Saferpay / Ingenico / Ogone / Paysquare; ePay / Transact; Datatrans; InterCard / Verifone; Ounces; Concardis; Lyre
  • Direct debit processing, SEPA Direct Debit Processing as order processing
  • Direct debit processing, SEPA Direct Debit additional services for return debits, mandate management, administration of recurring payment transactions
  • Instant Payment Notification “Push” (iv)


Debt collection

  • Bilateral interfaces to various debt collection providers
  • Payment extraction services,
  • Transfer to the provider’s Fi systems


IT integration, development and operating

  • Integration and migration of legacy systems as required
  • Operation of providers’ own black and whitelists
  • Adaptation and operation in German / European cloud services


Benefits of creditPass

  • as a supplier for optimized and suitable individual queries
  • as a processor for integrated full platform solutions
  • as an operator since 2003 with an active customer base in various industries and sizes