Products
Buy Now, Pay Later (BNPL)
OpenCo's Buy Now, Pay Later allows retailers and marketplaces to offer credit card-free installments directly at checkout, increasing conversion and average ticket.
How does it work?
The customer selects BNPL as payment method. The risk engine evaluates the profile in milliseconds using alternative data. Once approved, OpenCo pays the merchant upfront and the customer pays us in installments.
Why choose our BNPL?
Highly Recurrent and Proven Model
Over 80% of users use credit again within 12 months.
Robust Risk Model with Transactional Data
Our models analyze payment destination, product type and transaction behavior for more precise decisions.
Fast Learning Cycles with Low Exposure
Low average ticket and short term allow much faster learning cycles and continuous algorithm improvement.
Integration with Major Global Players
Approved as partners with global platforms such as Amazon and CVC.
High-Performance, Low-Latency API
Complete credit analyses in under 200 milliseconds.
Internationally Certified Security
ISO 27001 certification with global standards for security and data management.
- 200k+
- Transactions processed
- 80%
- Recurrence rate in 12 months
- <200ms
- Credit analysis latency via API