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Buy Now, Pay Later

BNPL is booming – is your decisioning technology future-proof?

Increased Agility

Scalable and flexible technology lets you easily adapt to the evolving market and pending regulation.

Smarter Decisioning

Use alternative data to make the right onboarding and approval decisions in real time.

Rapid Launch

Get to market faster with a no-code UI that empowers a rapid launch, learn, and iterate cycle. 

BNPL Lending Technology that Powers Rapid Growth and Innovation

The credit card industry is valued at an estimated $8 trillion worldwide but Buy Now, Pay Later (BNPL) products are lining up to take a bite out of its market share! At Provenir we work with BNPL providers, like you, to help them power rapid launch and growth.  

Whether startup, decacorn, or anywhere in between, to thrive in this competitive space you need technology that supports easy access to alternative data, powers real-time onboarding, and gives you the agility to rapidly adapt to evolving legislation.

Launch, deploy, iterate and innovate on your timeline, and your terms.


No traditional credit score? No problem.

Easy data integration and advanced automation capabilities put real-time onboarding and sophisticated decisioning at your fingertips. With one solution for data, KYC, analytics, and insights, we empower you to create industry leading customer experiences that manage risk and drive business growth. 

Integrate Data 

With Provenir you don’t need hard credit pulls to power accurate decisions. Our prebuilt integrations make it quick and easy to create a personalized data ecosystem to power all of your decisioning needs. Get rapid access to a range of alternative data including behavioral scores, telco, and more. 

  • CheckmarkMake siloed data and integration challenges a thing of the past 
  • CheckmarkUse the Marketplace to rapidly connect data sources
  • CheckmarkAdd data sources straight into your decisioning workflows

Simplify Onboarding

Whether onboarding new merchants or signing up customers at checkout, you need to create a seamless application experience that supports real-time KYC, mitigates fraud and powers accurate credit approvals. Use Provenir’s powerful onboarding automation tools to create a cohesive and simple experience that helps you meet the strictest compliance and audit requirements.

  • CheckmarkPower fully automated onboarding
  • CheckmarkIntegrate comprehensive fraud tools
  • CheckmarkReduce abandonment

Automate Decisioning

The Provenir Cloud Suite creates a risk decisioning ecosystem that fully automates decisioning across the customer lifecycle, including credit line management, transaction approvals and collections strategies. With straight-through processing to power real-time decisioning, you can give your giving your customers the instant approvals that drive loyalty at the checkout. 

  • CheckmarkSimplify the checkout process
  • CheckmarkBuild a world-class user experience
  • CheckmarkGrow your competitive advantage

Deploy, Learn, Iterate

In a rapidly evolving industry, you need to get to market quickly and be prepared for what the future holds by using your decisioning data to identify insights and prioritize changes. Provenir’s no-code UI is designed to support a rapid deploy, learn and iterate cycle to help you power the innovation that drives growth. Take control of the process and eliminate over-reliance on vendors.

  • CheckmarkEasily iterate processes and deploy changes quickly 
  • CheckmarkUse prebuilt dashboards to visualize data
  • CheckmarkDemocratize data access across the customer lifecycle

Power ML 

Provenir supports an incredible range of advanced analytics and machine learning tools. The model agnostic platform eliminates the recoding delays that slow you down by empowering your team to deploy models in R, Python, SparkML, TensorFlow, and more. Talent shortages holding back your ML plans? Ask us about custom BNPL models from our in-house data science team.

  • CheckmarkCreate a single hub for decisioning and external data
  • CheckmarkAdd, deploy, and retrain models in real time
  • CheckmarkEmpower both technical and business users with a visual UI

Go Hands Free 

For those who want a hands-off option for Buy Now, Pay Later onboarding and approvals, Provenir offers our Decisioning-as-a-Service (DaaS) solution. DaaS provides a configurable, industry leading decisioning solution for BNPL providers who require a no maintenance option. We’ve combined years of industry knowledge with our cutting-edge technology to power real-time decisioning through a single API. 

  • CheckmarkChoose a purpose-built BNPL decisioning solution
  • CheckmarkSimply send the data, and we’ll return a decision
  • CheckmarkGet your product to market faster

Our platform makes us unique. Our results make you stand out.

Klarna logo

“Provenir has delivered a solution that increases our agility and responsiveness to clients. The implementation of Provenir’s software will contribute towards Klarna’s global market goals.”

Brian Billingsley, CEO, North America, Klarna
Bisnode logo

“Provenir plays a vital role in navigating this balance between compliance and speed, because it gives us the ability to orchestrate all of our scoring and compliance processes very quickly.”

Magnus Silfverberg, CEO, Bisnode
Telia logo

“Provenir empowers the Telia Finance team to create and change credit offerings independently, process customer applications in seconds, and easily integrate to multiple data sources for better quality decisioning.”

Fredrik Nilsson, Credit Manager, Telia
GM logo

“We have deep insight into every application and contract as we can instantly get real-time information whenever we need it.”

Jeff Lively, VP of Dealer Services, GM Financial
Hitachi logo

“The flexibility of Provenir allows us to create our own risk decisioning workflows that can easily connect with any data source.”

Andy Dodd, Managing Director, Hitachi Capital

Companies like you use Provenir

Our reach is global

Provenir operates around the world, providing you with the data, technology and support you need to power a global business. We’re your go-to partner, regardless of time zone.

Let’s build something together.