BUY NOW PAY LATER
Flexible installment solutions for your customers.
Consumers and businesses increasingly seek flexible payment options, and Galileo’s Buy Now, Pay Later (BNPL) solutions help financial institutions, businesses and fintechs offer seamless post-purchase and pre-purchase installment plans.
Customize your program
Create, launch and scale BNPL programs with market-tested APIs.
Galileo enables BNPL solutions for financial institutions and fintechs, helping you provide customers with more flexibility while driving engagement and revenue. Whether you're offering post-purchase installment loans or pre-purchase virtual card financing, our platform delivers the tools you need to succeed.
Whether your customers need to split a large expense into manageable payments or avoid high-interest credit card debt, Galileo’s BNPL solutions gives you full control over underwriting, loan terms, and repayment structures.
Pre-Purchase BNPL
Instant pre-approval financing with virtual cards.
Galileo’s Pre-Purchase BNPL allows you to provide customers with installment financing before they make a purchase. This is not tied to a specific merchant, giving consumers flexibility in where they shop.
How it works:
- Customers apply for a pre-approved BNPL loan through their bank.
- Upon approval, they receive a single-use virtual card, provisioned to their mobile wallet.
- The virtual card is used for a one-time purchase and then deactivated.
- Galileo creates a loan, which is repaid in fixed installments.
Post-Purchase BNPL
Convert transactions into installments.
With Post-Purchase BNPL, your customers can turn eligible settled transactions into installment loans. This allows users to manage their finances without adding debt at the point of sale, offering flexibility in how they repay purchases.
How it works:
- Customers make purchases using their debit or credit card.
- Once transactions settle, they can select up to five purchases for a BNPL plan.
- You present an installment offer with terms via your mobile or web app.
- Galileo validates transactions and creates a loan for the total amount.
- Customers repay in fixed installments according to the agreed schedule.
Contact Us Today
Launch a BNPL program that drives financial access and growth.
