---
title: "BNPL software products"
description: "Find buy-now-pay-later services and installment payment platforms available in Africa. Compare repayment terms, merchant coverage, and credit limits."
canonical_url: "https://liners.com/tags/bnpl?page=3"
markdown_url: "https://liners.com/tags/bnpl.md?page=3"
type: "taxonomy"
language: "en"
updated_at: "2026-08-31T07:46:04.511Z"
---

# BNPL software products

Find buy-now-pay-later services and installment payment platforms available in Africa. Compare repayment terms, merchant coverage, and credit limits.

## Breadcrumbs

- [Tags](/tags)
- [BNPL](/tags/bnpl)

## Summary

Find buy-now-pay-later services and installment payment platforms available in Africa. Compare repayment terms, merchant coverage, and credit limits.

## About this page

Buy now, pay later is becoming a mainstream way to pay across Africa, especially where card penetration is uneven and shoppers want flexible budgeting. BNPL products let customers split checkout into 2 to 12 instalments, often interest free, while the provider settles the merchant upfront and collects over time. You will see consumer BNPL apps, pay later options embedded in merchant checkout, and asset financing models that bundle devices or essentials with credit, such as pay as you go players like M-KOPA.

When comparing BNPL options, look beyond the instalment plan. Key factors include eligibility and underwriting approach, repayment rails (debit order, cards, bank transfer, mobile money), merchant settlement speed, fees and late payment policies, and the quality of risk controls like affordability checks and fraud screening. Merchants and platforms also weigh checkout integration, reporting and reconciliation, refund handling, and support for omnichannel payments, sometimes alongside adjacent tools like [QR Payments](/tags/qr-payments). Consumers tend to prioritise transparency, predictable schedules, and broad acceptance across stores.

Liners reviews African BNPL products with fintech context in mind, including regulatory posture, pricing clarity, and how well each product fits real local spending patterns. Use this page to compare providers across [Fintech](/categories/fintech) and BNPL adjacent capabilities like [Lending and Loans](/tags/lending), [Investments](/tags/investments), and even vertical use cases in [Real Estate & Property](/categories/real-estate-property), for example pay later experiences tied to home buying journeys like Nawy.

## Products

| Name | URL | Tagline | Country | Rating |
| --- | --- | --- | --- | --- |
| Izili | /izili | Pay-over-time solar, devices, and clean cooking for Africa | Senegal |  |
| Khazna | /khazna | Access earned salary early and pay bills from one app | Egypt |  |
| Cartona | /cartona | Order wholesale stock online with embedded credit options | Egypt |  |
| Watu | /watu | Asset financing for mobility and connectivity essentials | Kenya |  |
| gamp | /gamp | Manage team devices from purchase to repair in one dashboard | Nigeria | 5 |
| Omni | /omni | End-to-end visibility and finance for trade networks | Nigeria |  |
| Vittas | /vittas | Automate loan processing, repayments, and portfolio insights | Nigeria |  |
| NowPay | /nowpay | Financial wellness tools and earned wage access for teams | Egypt |  |
| Homzmart | /homzmart | Shop furniture and home essentials delivered across Egypt | Egypt |  |
| VeendHQ | /veend-hq | Get instant salary-backed loans without collateral | Nigeria |  |
| Shekel Mobility | /shekel-mobility | Finance, source, and manage vehicle trade across borders | Nigeria | 4 |
| Jumba | /jumba | Buy cement from verified suppliers with secure payment options | Kenya |  |
| Brolly | /brolly | Flexible car insurance for gig drivers in Nigeria and Ghana | Nigeria | 5 |
| UltraTeb | /ultrateb | Buy medical supplies with built-in financing and delivery | Egypt |  |
| Revivo | /revivo | Buy refurbished electronics, parts, and repair tools in Kenya | Kenya |  |
| Radease | /radease | Procure genuine medicines and supplies with fast delivery | Nigeria |  |
| GoCab | /gocab | Drive-to-own car leasing for gig and mobility drivers | Côte d'Ivoire |  |
| AGEL | /agel | Sharia-compliant trade credit for wholesalers and retailers | Egypt | 3 |
| Moovon | /moovon | Pay annual motor insurance in scheduled instalments | Ghana |  |

## Related pages

- [Search products](/search)
- [Best products](/best)

## Access and citation

- [Canonical HTML page](https://liners.com/tags/bnpl?page=3)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)