How do merchants get started with BNPL?

The journey begins when you fill out the provider’s online form. An AI-powered assistant instantly reviews your basic inputs (business type, transaction volume, payment gateway) and pre-qualifies you against the provider’s risk criteria. If additional details are needed, the assistant prompts you through the required fields without leaving the chat.

Document collection is built right into the application flow. The system uses custom actions to request specific uploads (business license, bank statements, processing history) and attaches them to your application automatically. You get a confirmation once all docs are received, and the underwriting step begins in the background.

Approved merchants receive access to the provider’s integration toolkit. The same chat interface you used for applying now walks you through the technical setup, with step-by-step instructions tailored to your e-commerce platform (Shopify, WooCommerce, Magento, etc.).

Custom actions inside the chat can trigger real-time API calls to test endpoint connectivity, inject the BNPL widget snippet, and validate that the option appears correctly at checkout. If a step fails, the assistant explains the error and suggests a fix, so you don’t have to dig through technical documentation on your own.

Once integration passes all checks, your checkout is live. The AI agent remains available to answer your post-launch questions—setting repayment terms, adjusting minimum cart values, or customising the customer-facing messaging. All of this happens in the same conversation thread.

When a question requires human judgment (e.g., a complex dispute or an edge case not covered by docs), the AI hands the conversation over to a live specialist through a shared inbox. The support agent sees the full history—your application, documents, and all prior AI exchanges—so you never repeat yourself. This keeps the setup process smooth from first click to full rollout.

Offering more than one BNPL provider can boost conversion, and the same integration framework supports it. After your first provider is live, you can onboard a second by re-entering the chat. The assistant already knows your business context and can compare merchant agreements, duplicate the necessary custom actions, and guide parallel integration steps.

The shared inbox also helps your team manage questions across all BNPL relationships. If a merchant asks, “Which provider has better terms for our average order value?” both the AI and the human support agent can reference the embedded plan data and answer without backend latency.

What documents are needed for BNPL merchant onboarding?
Typically, you’ll need a valid business license, recent bank statements (3-6 months), proof of processing history, and tax identification. Some providers also request your terms of service and refund policy. The AI assistant will prompt you for exactly what’s required based on your region and business type.

How long does BNPL integration take?
Most merchants complete integration within a few hours, assuming all documents are in order. The automated assistant can verify API calls and widget placement in real time, drastically cutting test-and-fix cycles. In many cases, the checkout option goes live the same business day.

Can I offer multiple BNPL options?
Yes. You can integrate multiple BNPL providers side by side in your checkout. The same onboarding flow scales to additional providers, with the assistant recognising your existing profile and only asking for provider-specific details. The shared inbox lets you manage all relationships from one place, keeping support streamlined.