BNPL Pay-in-4 Flow

Checkout-time soft check, upfront merchant payout, and installment servicing

BNPL Pay-in-4 Flow Checkout-time soft check, upfront merchant payout, and installment servicing 01 / Shopper 02 / BNPL Provider 03 / Settlement 04 / Servicing 05 / Loan Closed EX / Failure Paths Originate Fund Service Checkout · cart + BNPL · Shopper › Originate Checkout cart + BNPL Soft Check · soft pull · BNPL Provider › Originate Soft Check soft pull Approve · risk gate · BNPL Provider › Originate Approve risk gate Payout · paid upfront · Settlement › Fund Payout paid upfront Schedule · 4x biweekly · Servicing › Fund Schedule 4x biweekly Collect · auto-debit · Servicing › Service Collect auto-debit Plan Closed · paid in full · Loan Closed › Service Plan Closed paid in full Declined · alt. offer · Failure Paths › Originate Declined alt. offer Default · dunning · Failure Paths › Service Default dunning Legend User UI Agent logic Policy Tool action Context / trace

Why It Works

  • • Merchant is paid in full at checkout, minus fee
  • • Provider owns credit risk on the four installments
  • • A soft pull keeps the checkout frictionless

Risk Lives Downstream

  • • Approval is instant; losses surface at collection
  • • A missed auto-debit routes to dunning, not silence
  • • A decline should still offer an alternate path

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