---
title: "Nyayomat: Buy Now, Pay Later and B2B Marketplace"
description: "BNPL to buy inventory or equipment and repay over time, plus a B2B marketplace to sell online. Web portals for merchants, partners, customers in Kenya."
canonical_url: "https://liners.com/nyayomat"
markdown_url: "https://liners.com/nyayomat.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/nyayomat/screenshot.webp?v=1784413389702"
published_at: "2026-07-20T22:56:05.772Z"
updated_at: "2026-09-09T17:29:41.610Z"
---

# Nyayomat: Buy Now, Pay Later and B2B Marketplace

BNPL to buy inventory or equipment and repay over time, plus a B2B marketplace to sell online. Web portals for merchants, partners, customers in Kenya.

## Breadcrumbs

- [E-commerce & Retail](/categories/e-commerce-retail)
- [Nyayomat](/nyayomat)

## Summary

Buy now, pay later financing for African small merchants

A web-based BNPL and B2B e-commerce platform that helps African small merchants access asset financing, manage records, and sell online with partner portals.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.nyayomat.com/ |
| Tagline | Buy now, pay later financing for African small merchants |
| Primary country | Kenya |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Nyayomat is a Kenya-based **BNPL (Buy Now, Pay Later)** and **B2B e-commerce** platform built for small merchants in Africa and the asset financing partners that support them.

Key capabilities include:
- **Merchant BNPL for inventory and assets**, connecting small shops to financing partners so they can acquire stock or equipment and pay over time.
- **Decentralised lending infrastructure** built on the **Zilliqa blockchain**, designed to support trust and transparency between merchants and lenders.
- **E-commerce marketplace tools** that connect buyers and sellers for **product search and fulfillment**, helping merchants improve online visibility.
- **Role-based web portals** with separate access for **Merchant Login**, **Partner Login**, and **Customer Login**.

Available on **Web**.

Target users include **small merchants** (typically shops with fewer than ten employees) across Kenya and other African markets, plus **lenders and asset financing partners** that provide merchant credit.

Nyayomat is notable for combining merchant BNPL with an e-commerce marketplace and using **Zilliqa** blockchain infrastructure. It was incubated through **ZILHive**, accepted into a **CV Labs accelerator programme**, and is based in **Nairobi, Kenya** (founded in 2020).

## Features

- [E-commerce & Retail](/categories/e-commerce-retail): Category
- [B2B](/tags/b2b): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Marketplace](/tags/marketplace): Product feature or technology
- [Online Store](/tags/online-store): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/nyayomat/alternatives)
- [Reviews](/nyayomat/reviews)
- [Transparency](/nyayomat/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/nyayomat)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)