MALOPAY

Embedded credit, done responsibly

Turn higher prices into clear monthly plans.

MALOPAY is the orchestration layer that lets any merchant offer flexible payment plans without becoming a lender. Customers get a clean apply-and-accept flow on your brand; regulated financing partners carry the credit risk and the regulatory weight.

Built for any merchant where payment flexibility increases conversion

MALOPAY supports configurable BNPL flows for high-ticket services, retail purchases, professional services, marketplaces, and merchant platforms.

Example use cases

  • Clinics & dental
  • Car repair
  • Home improvement
  • Education & courses
  • Travel packages
  • Legal & professional services
  • Electronics & appliances
  • Marketplaces
  • B2B services
  • Subscription prepayments

Compliance-first by design

  • Financing is provided by regulated partners — never by MALOPAY. The credit decision and consumer credit obligations stay with licensed lenders.
  • Every status change, every consent, every document is versioned and audited. Regulator-ready evidence is a query, not a project.
  • Customers see the partner identity, repayment schedule, total payable, and any fees before they accept. No surprise terms after the fact.
MALOPAY