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Innowise is an international full-cycle software development company founded in 2007. We are a team of 1600+ IT professionals developing software for other professionals worldwide.
About us
Innowise is an international full-cycle software development company founded in 2007. We are a team of 1600+ IT professionals developing software for other professionals worldwide.

Buy now, pay later app development company

Ready to shake up your business and unlock fresh revenue? With our expertise in crafting custom BNPL solutions, backed by a killer tech stack, cutting-edge tools, and industry know-how, we’re here to take your operations to the next level.

10+

BNPL projects successfully delivered

Ready to shake up your business and unlock fresh revenue? With our expertise in crafting custom BNPL solutions, backed by a killer tech stack, cutting-edge tools, and industry know-how, we’re here to take your operations to the next level.

10+

BNPL projects successfully delivered

We help our clients streamline their financial operations and improve service accessibility for end-users with embedded finance solutions. Our developers build BNPL solutions that bring the power of open banking to service providers and product vendors. From app development consulting to AI integration and rigorous quality assurance, our expert teams guarantee a new level of comprehensive, top-tier service.

  • Buy now, pay later app development consulting
  • Custom buy now, pay later app development
  • UX / UI design
  • Third-party services integration
  • AI and ML integration
  • Testing and quality assurance

Buy now, pay later app development consulting

Our BNPL app development consulting experts help you strategize and build solutions that leverage embedded finance for secure payment integrations and smooth user experiences.

Buy now, pay later app development consulting

Custom buy now, pay later app development

We offer custom BNPL app development services focused on a comprehensive set of requirements – including preferred platform, functional capabilities, and security measures.

Custom buy now, pay later app development

UX / UI design

Our dedicated designers conduct UX research, create functional wireframes and prototypes, and design visually appealing UI mockups that offer an engaging user experience.

UX / UI design

Third-party services integration

Innowise consolidates different services into your BNPL app to further extend its functionality. We use APIs to implement payment gateways, credit rating services, and accounting features.

Third-party services integration

AI and ML integration

Our experts integrate AI algorithms to supercharge credit assessment and fraud detection features to keep your system protected from threats and streamline service delivery.

AI and ML integration

Testing and quality assurance

Our quality assurance engineers go all out to rigorously test essential features, data integrity, overall security, and software performance to deliver reliable and user-friendly apps.

Testing and quality assurance
Buy now, pay later app development consulting

Our BNPL app development consulting experts help you strategize and build solutions that leverage embedded finance for secure payment integrations and smooth user experiences.

Buy now, pay later app development consulting
Custom buy now, pay later app development

We offer custom BNPL app development services focused on a comprehensive set of requirements – including preferred platform, functional capabilities, and security measures.

Custom buy now, pay later app development
UX / UI design

Our dedicated designers conduct UX research, create functional wireframes and prototypes, and design visually appealing UI mockups that offer an engaging user experience.

UX / UI design
Third-party services integration

Innowise consolidates different services into your BNPL app to further extend its functionality. We use APIs to implement payment gateways, credit rating services, and accounting features.

Third-party services integration
AI and ML integration

Our experts integrate AI algorithms to supercharge credit assessment and fraud detection features to keep your system protected from threats and streamline service delivery.

AI and ML integration
Testing and quality assurance

Our quality assurance engineers go all out to rigorously test essential features, data integrity, overall security, and software performance to deliver reliable and user-friendly apps.

Testing and quality assurance

Our partnerships and awards

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Choose Innowise as your buy now, pay later app development company

With a proven track record in fintech and a team of seasoned experts, we leverage the latest technologies and frameworks to shake up your business with innovative BNPL apps. Our flexible staffing model provides the control and adaptability needed for efficient buy now, pay later software development that keeps you one step ahead of the competition.

Our all-in-one approach to buy now pay, later app development

We make sure your app is built cost-effectively, runs smoothly, and gets delivered on time by meticulously planning every step and following a solid framework. This approach minimizes risks, prevents scope creep, and guarantees that all project objectives are met within the specified budget and timeline.

  • Project scoping

At Innowise, consistency is key. We’ll kick things off with a walkthrough analysis of your requirements and develop clear project outlines to prevent scope creep.

  • Cost estimation

In order to give you a reliable and accurate estimate, we’ll analyze a range of factors to understand the full scope and scale of your project.

  • Collaboration

We’ll keep you in the loop concerning project progress and any challenges that crop up, providing transparent communication and regular updates throughout the entire project.

  • Project documentation

We document each phase of the software development lifecycle to offer clear, practical examples you can refer back to anytime.

  • Post-launch warranty

Our extensive warranty covers all the major aspects of buy now, pay later software development – meaning total support once the app is up and running.

  • Change request management

We get it: things change. Our streamlined change management procedure makes it easy to record, evaluate, prioritize, and implement changes whenever you request them.

BNPL solutions are transforming the way businesses engage with their customers. These solutions offer flexible payment options that increase conversion rates, elevate average order values, and attract new customer segments. At Innowise, we leverage our years of expertise in payments, cross-border transactions, wallets, cryptocurrency, and digital banking to deliver customized state-of-the-art BNPL products that meet your specific business needs.

Siarhei Sukhadolski

FinTech Expert at Innowise

Industries we serve

Whether it’s eCommerce, fashion, automotive, healthcare, or entertainment, we customize our BNPL solutions to meet the unique needs of each sector – improving the overall user experience and boosting your business’ success.

  • eCommerce
  • Retail
  • Tourism
  • Healthcare
  • Education
  • Automotive
  • Sports
  • Entertainment
  • Fashion

eCommerce

We help eCommerce platforms mitigate cart abandonment and increase sales by offering flexible BNPL options to customers. BNPL players also benefit from A2A payments available via open banking, which eliminates transactional fees and reduces settlement times.

  • Increased sales
  • Improved customer retention
  • Reduced transactional fees
eCommerce

Retail

We help you upgrade your customers' retail experience by integrating BNPL options with in-store payment methods like QR codes and NFC chips. This lets customers make purchases in physical stores and use the BNPL apps for installment plans.

  • Better customer retail experience
  • Accelerated payments
  • Higher revenues
Retail

Tourism

BNPL solutions help travel industry players increase upselling opportunities by offering flexible payment plans for travelers, giving them the chance to opt for premium products and services like higher-class tickets or room upgrades.

  • Increased customer spending
  • Expanded market reach
  • Boost in sales of premium products
Tourism

Healthcare

Integrating BNPL in healthcare creates a more consistent cash flow, increases patient satisfaction, and reduces the likelihood of delayed care by offering flexible payment options that reduce financial pressures among patients.

  • Better access to healthcare
  • More stable cash flows
  • Higher patient satisfaction
Healthcare

Education

BNPL options help schools improve retention by providing finance options that attract a wider range of students. Integrating BNPL can also create new revenue streams by encouraging students to consider premium options, such as one-to-one courses.

  • Diversified revenue streams
  • Customizable repayment plans
  • Expanded customer base
Education

Automotive

By offering BNPL on value-added products, industry players can boost revenue and increase the average check, as customers are more likely to upgrade their default vehicle configuration with the ability to pay in installments and extend it over a period.

  • Greater customer accessibility
  • Higher average transaction value
  • Better sales conversion
Automotive

Sports

Blending BNPL into the sports ecosystem lets ticket providers offer financing options for purchases to various sports events. This approach increases ticket revenues and makes high-value transactions more accessible to customers.

  • Boosted event attendance
  • Higher ticket sales
  • Expanded audience reach
Sports

Entertainment

In the entertainment sector, implementing BNPL solutions gives merchants a big advantage when attracting millennial or Gen Z customers. They give viewers the chance to enjoy premium content and upgrade to advanced subscriptions, with the option to pay in installments.

  • Boosted subscription sales
  • Increased retention
  • Improved market penetration
Entertainment

Fashion

Embracing BNPL in the fashion and garment industry helps attract younger consumers and lowers barriers to purchase without the need for big discounts that can erode margins and brand value.

  • Increased brand value
  • Greater engagement from younger consumers
  • Improved inventory turnover
Fashion

Buy now, pay later app development case studies

Choose your service option

Leverage BNPL expertise

Elevate your team by filling resource or skill gaps with our expert BNPL developers. You’ll manage your existing staff directly, while we provide the required expertise — allowing you to bring first-rate skills into the mix.

Request staff augmentation

Hire a dedicated BNPL team

We’ll assemble a skilled BNPL crew – led by our Team Lead – to jump in and work alongside your current team. They’ll blend right in, speeding up your project and bringing fresh ideas and insights to the table.

Request a dedicated team

Let us handle your BNPL project

When you outsource to our experts, you can rest assured that the implementation and management will be handled with care. With us doing the heavy lifting, you can focus on your core business activities, confident in the knowledge that your project is in capable hands.

Request project outsourcing
Need a custom BNPL app for flexible payments and boosted sales? Take advantage of Innowise’s expertise in developing BNPL solutions to stay ahead of the competition.

How we assess and evaluate code quality for successful project delivery

  • Code rules and guidelines

We stick to a tried-and-tested coding style guide, using descriptive names to maintain modular, portable code. Our development process is further supported by thorough unit testing to guarantee reliability and quality.

  • Code documentation

Our team provides detailed and consistent maintenance guides, easy-to-understand end-user tutorials, and clear explanations of individual code functions. This way, we cut out any unnecessary confusion and dramatically reduce time spent on troubleshooting.

  • Code review practices

We carry out regular ad-hoc evaluations, cross-checks, and routine quality assessments to maintain high quality standards. This approach means your software gets better and better with each review cycle.

  • Detailed planning

We kick things off with careful project planning, breaking down your vision into milestones and tasks that match your unique requirements. We set specific coding timelines to stay on track and avoid any hiccups along the way.

  • Rigorous testing

We’re strict about following our tried-and-true coding guidelines: no shortcuts here. Our thorough quality assurance and risk mitigation processes make sure everything runs flawlessly from start to finish.

  • Continuous maintenance

When it comes to delivery, we don’t just hand over the product and leave. We guarantee quality by providing comprehensive test reports and continuously supporting the software through CI/CD pipelines.

Not sure where to start with your BNPL journey? Our experts guide you through the process and deliver the results that meet your needs.
Not sure where to start with your BNPL journey? Our experts guide you through the process and deliver the results that meet your needs.

Get your project done
at your pace

We know that putting together the right team is key to getting things done properly. By matching the right skills and expertise to your specific needs, we tackle challenges head-on and make sure your project hits the mark.

Manager assignment 1-2 hours

Once we’ve received your initial request, our sales manager will serve as your primary contact – handling all the important details of the project.

Resume screening 1-2 days

We carefully select the resumes of the BNPL experts who best align with your specific requirements and forward them to you for approval.

Interview setup (optional on request)

If you like, we’ll arrange interviews between your and your shortlisted candidates to confirm that they meet your project's requirements.

Team assembly 1-2 weeks

On the lookout for a dedicated project team? We’ll put together a group with the perfect mix of expertise and knowledge to get the ball rolling on your project.

MVP development 2-3 months

During this period, we’ll develop and launch your MVP – getting it ready for initial market testing, future iterations, and enhancements.

Full development 3-12 months

After successfully completing the testing and quality assurance phase, we’ll deliver a complete buy now, pay later app that’s fully scalable and adaptable to further demands.

Continuous support Lifetime

We’re committed to a long-term partnership – consistently fine-tuning and adapting your app to keep up with changing market trends, preferences, and user needs throughout its lifecycle.

Manager assignment 1-2 hours

Once we’ve received your initial request, our sales manager will serve as your primary contact – handling all the important details of the project.

Resume screening 1-2 days

We carefully select the resumes of the BNPL experts who best align with your specific requirements and forward them to you for approval.

Interview setup (optional on request)

If you like, we’ll arrange interviews between your and your shortlisted candidates to confirm that they meet your project's requirements.

Team assembly 1-2 weeks

On the lookout for a dedicated project team? We’ll put together a group with the perfect mix of expertise and knowledge to get the ball rolling on your project.

MVP development 2-3 months

During this period, we’ll develop and launch your MVP – getting it ready for initial market testing, future iterations, and enhancements.

Full development 3-12 months

After successfully completing the testing and quality assurance phase, we’ll deliver a complete buy now, pay later app that’s fully scalable and adaptable to further demands.

Continuous support Lifetime

We’re committed to a long-term partnership – consistently fine-tuning and adapting your app to keep up with changing market trends, preferences, and user needs throughout its lifecycle.

Manager assignment 1-2 hours

Once we’ve received your initial request, our sales manager will serve as your primary contact – handling all the important details of the project.

Resume screening 1-2 days

We carefully select the resumes of the BNPL experts who best align with your specific requirements and forward them to you for approval.

Interview setup (optional on request)

If you like, we’ll arrange interviews between your and your shortlisted candidates to confirm that they meet your project's requirements.

Team assembly 1-2 weeks

On the lookout for a dedicated project team? We’ll put together a group with the perfect mix of expertise and knowledge to get the ball rolling on your project.

MVP development 2-3 months

During this period, we’ll develop and launch your MVP – getting it ready for initial market testing, future iterations, and enhancements.

Full development 3-12 months

After successfully completing the testing and quality assurance phase, we’ll deliver a complete buy now, pay later app that’s fully scalable and adaptable to further demands.

Continuous support Lifetime

We’re committed to a long-term partnership – consistently fine-tuning and adapting your app to keep up with changing market trends, preferences, and user needs throughout its lifecycle.

Google logo.
Hays logo.
PayPal logo.
Siemens logo.
Nike logo.
Volkswagen logo.
LVMH logo.
Nestle logo.
Novartis logo.
Spotify logo.
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Google logo.
Hays logo.
PayPal logo.
Siemens logo.
Nike logo.
Volkswagen logo.
LVMH logo.
Nestle logo.
Novartis logo.
Spotify logo.
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The core technologies we work with

Programming languages
  • JavaScript
  • Python
  • Java
  • Swift
  • Kotlin
Frameworks and libraries
  • React Native
  • Flutter
  • Django
  • Spring Boot
Databases
  • MySQL
  • PostgreSQL
  • MongoDB
  • Firebase
Cloud
  • Amazon Web Services (AWS)
  • Google Cloud Platform (GCP)
  • Microsoft Azure
Payment gateways
  • Stripe
  • PayPal
  • Square
  • Adyen
DevOps
  • Docker
  • Kubernetes
  • Jenkins
  • Ansible
ML and AI
  • TensorFlow
  • Scikit-learn
  • PyTorch
  • Google Cloud AI

What our customers think

Alex Friedman CEO Switchbackr Worldwide, Inc.
company's logo

“They were flexible with my project management requirements, bringing on developers when we needed to double-down. The developers worked super hard, sometimes around the clock with me, to get our project done.”

  • Industry E-commerce
  • Team size 1 specialist
  • Duration 7 months
  • Services Web development
Aaron Cesaro CTO Ampligo S.r.l.
company's logo

“Innowise’s collaborative ethos, technical prowess, and unwavering commitment to our success have left a lasting impression on us. Their ability to seamlessly integrate with our internal teams and adapt to the ever-evolving demands of our projects exemplifies a true partnership.”

  • Industry Arts, entertainment & music
  • Team size 2 specialists
  • Duration 30 months
  • Services Software modernization, custom development
Joakim Rosen Lead Developer YouWish AS
company's logo

“Innowise has completed many projects and consistently performs well on their tasks. Their results-driven approach allows them to quickly scale their efforts depending on the required deliverables.”

  • Industry Consumer products
  • Team size 4 specialists
  • Duration 28+ months
  • Services Staff augmentation

FAQ

Buy now, pay later (BNPL) is an alternative payment method that lets customers purchase products and services without paying the full amount upfront. Instead, they have the opportunity to fulfill their purchases immediately and repay the amount in installments over time.

Buy now, pay later app development typically takes 5 to 8 months, depending on the complexity of the features and the project’s specific requirements. For more apps that are a little more on the complicated side, this timeline may stretch to eight months and more.

Absolutely! A BNPL app can be integrated with existing eCommerce platforms via custom APIs. This means the BNPL solution can be tailored to the platform’s specific requirements – resulting in a smooth and stress-free implementation.

Honestly? It depends. The price tag for BNPL app development can range from $120,000 to $400,000 or more, with costs varying based on a variety of different factors like app features, platform support, integration complexity, and additional requirements.

Providing BNPL options can increase customer loyalty and encourage repeat purchases. It can also be the deciding factor for customers when comparing products on different websites – ultimately leading them to choose your business over competitors.

Feel free to book a call and get all the answers you need.

Schedule a call

Contact us

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    Why Innowise?

    1800+

    IT professionals

    93%

    recurring customers

    17+

    years of expertise

    17+

    successful projects

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