Buy Now Pay
Later software

TIMVERO delivers top-notch software for Buy Now Pay Later (BNPL) which has emerged as a popular payment option, offering flexibility and convenience to shoppers worldwide.

Our comprehensive software platform enables seamless integration of BNPL services into online and brick-and-mortar stores. Discover how timveroOS empowers businesses to increase sales, provide customers with deferred payment options, and enhance customer satisfaction.

From robust risk assessment and real-time transaction monitoring to intuitive user interfaces and personalized repayment plans — benefit from the robust functionality of top-notch BNPL software.

BNPL software

TIMVERO Buy Now Pay Later system provides a full 360-degree coverage of lender’s needs. No matter if you’re a bank, a credit union, or a flexible fintech, you always have space for growth in the automation of loan origination and loan management operations within the BNPL lending business:

Loan Origination

Seamlessly integrate timveroOS into your lending operations, enabling efficient and streamlined loan origination processes.

Take advantage of advanced risk assessment algorithms, automated decision-making capabilities, and real-time data analysis to ensure swift and accurate loan approvals.

Our software empowers you to tap into the growing BNPL loan market, expand your customer base, and maximize profitability while delivering an exceptional borrowing experience.

Loan Servicing

Easily manage and service loans with our robust platform, and benefit from efficient payment processing, automated reminders, and modules for personalized customer interaction. Leverage advanced analytics to gain valuable insights into borrower behavior, identify trends, and optimize repayment strategies.

Our software empowers you to provide seamless loan servicing experiences, enhance customer satisfaction, and drive long-term loyalty. Stay ahead in the competitive BNPL lending landscape by harnessing the power of TIMVERO pay later platforms for comprehensive loan servicing solutions.

Debt Collection

Efficiently manage debt collection in the realm of Buy Now Pay Later (BNPL) lending with our smart AI-powered platform. Streamline your collection efforts with automated reminders, customized repayment plans, and real-time monitoring.

Leverage advanced analytics to identify delinquent accounts and optimize recovery strategies.

Maximize debt recovery while maintaining positive customer relationships through the intuitive TIMVERO BNPL loan software workflow.

Analytics

Empower your BNPL business with timveroOS and data analytics to reveal best-performing products and customer segments, increase acceptance rates, and decrease delinquency rates, keeping the staff number under control.

With the help of TIMVERO Cashflow Engline, your institution executives get access to effective financial models to grow profit per loan.

Get detailed reports on loan performance and borrower metrics to identify trends and optimize your lending strategies.

Loan Origination

Loan Servicing

Debt Collection

Analytics

BNPL software

Loan Origination

Loan Servicing

Debt Collection

Analytics

Customer onboarding

Automated scoring

Contracting

Collection

timveroOS builds seamless and tech-savvy onboarding for banks and financial institutions to improve conversion rates and minimize customer churn at every stage. Your borrowers can undergo fast fully digital KYC checks and submit their consents with a click.

The major advantage of TIMVERO consumer lending software is robust data furnishing tools and analytics.

The system generates forms and supports auto-fill based on existing CRM data or API integrations with data providers. Just as well it easily extracts and processes data from complex financial reports in banks.

Automated doesn’t mean uncontrollable or black-box.

It is you who defines custom scoring parameters, such as customer profile values, free cash flow range, and other risk parameters.

As a result, your consumer lending business obtains data-centric and effective scoring models - both soft-check and hard-check. Each is based on clear predefined rules for different borrower groups to minimize risk, reduce operating expenses and get the most out of what timveroOS automation can fuel your business with.

The entire document management part can become paperless.

The multi-stage process of signing a contract is supported by a number of online and offline channels. The system stores, edits, and updates various contract templates for borrowers.

The timveroOS functionality includes an automatic opening for debit or credit accounts or loan disbursements via integration with a core/general ledger collateral management. No need to switch between files, folders, and data providers: consumer loan software by TIMVERO unites all contracting operations in a single interface.

Robust collection module is a must-have for retail lending software. When compared to any out-of-the-box solutions in the market, at TIMVERO we added extended covenant control and collecting payments tracking along with ready-made proactive collection strategies for banking with automated notifications.

What’s more: banks and lending businesses always have necessary business metrics at their fingertips due to in-built systems for capturing analytical data and smart reporting.

With timveroOS, banks and fintechs can make executive decisions up to 12 times faster and increase profit per loan by 13% on average.

AI/ML-powered decision-making and reporting module leverages data to reveal findings for continuous underwriting, service enhancements, or product developments.

The Financial Engineering/Cashflow engine is a proprietary software module used to measure the impact of decisions in BNPL loan origination and management. It builds a bridge between business teams: risk, product, marketing, and finance to make and implement substantial business improvements in minutes.

Eliminate bottlenecks and increase the effectiveness of your lending business with timveroOS analytics. Manage and prevent loan portfolio risks, discover non-obvious upsell opportunities, and build lead-winning marketing with impressive ROI with timveroOS AI/ML decision-making and Cashflow Engine.

Seamless onboarding

Onboarding with Vendor portal and API integration enables a smooth and efficient integration process for merchants or vendors, allowing them to quickly adopt and provide BNPL services to their customers. Also, it provides smooth data flow between the merchant's system and the pay later platform. This integration ensures accurate and real-time transaction processing, order tracking, and customer management, enhancing operational efficiency and minimizing errors.

Hyper-personalized flows for vendors

Personalized flows allow vendors to tailor the Buy Now Pay Later programs to their specific brand and customer base. This way, timveroOS helps optimize conversion rates and increase sales. By analyzing customer data and behavior, vendors can personalize the BNPL offering based on individual preferences, purchase history, and affordability. This targeted approach not only boosts customer engagement but also improves the likelihood of successful transactions and repeat purchases.

Easy product switch (credit card to BNPL)

Our platform cares about end-customer experience and potential customer base growth for merchants and financial service providers in BNPL. By offering the option to switch from BNPL to a credit card, businesses can increase sales and customer acquisition, and encourage borrowers to manage cash flow more effectively. By accommodating various payment preferences, businesses can cater to a wider range of customers and increase their competitiveness in the market.

AI scoring

AI scoring and decision-making is essential for BNPL software as it leverages advanced algorithms and ML to assess customer risk and make accurate lending decisions in real time. By analyzing vast amounts of data, AI scoring enables efficient and objective risk assessment, leading to improved approval rates and reduced default rates. This helps businesses strike the right balance between approving eligible customers and mitigating financial risks, ultimately enhancing profitability and customer satisfaction in the BNPL lending process.

Scalability and customizability

timveroOS for Buy Now Pay Later is designed scalable and customizable, catering to the specific needs and growth strategies of lending institutions. With the ability to handle large loan volumes and adapt to evolving business requirements, it seamlessly integrates with existing systems. The customizable features empower lenders to configure the software to align with their unique workflows, lending policies, and reporting preferences, ensuring a tailored and efficient lending experience.

Seamless onboarding

Hyper-personalized flows for vendors

Easy product switch (credit card to BNPL)

AI scoring

Scalability and customizability

Recommended by clients

German fintech company

"TIMVERO's BNPL software has transformed our lending operations. The integration capabilities have allowed us to effortlessly connect with our CRM and payment processing systems. The AI and ML components have significantly enhanced our risk management, enabling us to make informed lending decisions while maintaining profitability."

Alternative lending company from Spain

"As a leading financial institution, we have found BNPL software from TIMVERO powered by AI and ML to be a valuable investment to our growth. The advanced technology enables accurate risk assessment, resulting in improved lending decisions. The abundance of integrations ensures seamless compatibility with our existing systems, which guarantees the efficiency of processes."

Bank in the USA

"The integration capabilities of timveroOS, combined with powerful analytics and reporting, have revolutionized the BNPL business line at our bank. The seamless integration with our core banking system has streamlined operations, while the advanced risk assessment algorithms have helped us mitigate risks and improve overall portfolio performance.”

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We work with

Banks

Our Buy Now Pay Later (BNPL) software is designed to seamlessly integrate with banks, providing a tailored solution that aligns with their unique requirements. With robust risk assessment algorithms and advanced analytics, it enhances lending decisions and risk management. The software's flexibility allows banks to customize the user experience, integrate with existing systems, and optimize operational efficiency. Our BNPL software empowers banks to tap into the growing BNPL market while leveraging their established banking infrastructure.

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Finance companies
(fintechs)

timveroOS is a perfect fit for fintech companies, providing them with a powerful and customizable solution to offer BNPL services to their customers. With its flexible and API-driven architecture, our software seamlessly integrates with fintech platforms, enabling easy implementation and smooth user experience. The advanced AI and ML capabilities enhance risk assessment and decision-making, while the wide range of integrations ensures compatibility with fintech ecosystems. Embracing our BNPL software allows fintechs to expand their product offerings and drive customer engagement.

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Buy Now Pay Later software