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.

EU-resident · Frankfurt
GDPR-aligned by default
Append-only audit trail
ECB-aligned APR display

Built for everyone in the flow

Three audiences, one platform — each with the surface area they actually need.

  • Customers

    You apply through a link from a merchant you already trust. A regulated financing partner makes the decision. You see the term, the total payable, and the schedule before you accept.

    Read the customer overview

  • Merchants

    Offer flexible payment plans without becoming a lender. Configurable per country, currency, and category. The credit risk and the regulatory weight stay with the partner.

    Read the merchant overview

  • Financing partners

    List your repayment products on MALOPAY and reach merchant networks. You own credit decisioning, KYC, and the loan; we route applications and own the audit trail.

    Read the partner overview

How it works

Three steps from quote to fulfilment.

  1. Merchant generates a quote

    Total purchase amount + customer email. We send a secure malopay.com link to the customer.

  2. Customer applies, partner decides

    The customer picks a term and applies. The routing engine picks a regulated partner; the partner runs KYC + credit and returns an offer.

  3. Customer accepts, merchant fulfils

    The customer accepts, your status updates immediately, and you fulfil per the configured fulfilment rule for the product.

Walk through the full flow

What MALOPAY is — and what it is NOT

We're an orchestration layer, not a lender. The clearer this is up front, the easier every later conversation gets.

What we are

  • An orchestration layer between merchants and regulated financing partners — system of record for applications, refunds, audit, KYC documents.
  • EU-resident, Frankfurt-hosted, GDPR-aligned with first-class data export and account deletion.
  • Vertical-agnostic. Categories, repayment terms, fulfilment rules, country-specific KYC and routing are all admin-configured rows.
  • Append-only audit log on every credit-related, role-elevated, or configuration-changing action.

What we are not

  • Not a lender. Every loan is held by a regulated financing partner — the customer's credit contract is with the partner, not with us.
  • Not a KYC verifier. The partner runs the actual checks; we store documents and surface the partner's verification result.
  • Not bound to one vertical. Clinics, car repair, home improvement, education, travel, marketplaces, B2B, subscriptions — same platform.
  • Not a merchant of record. The merchant remains the merchant of record for the goods or service.

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.

Ready to add MALOPAY-powered plans?

Start the merchant application or talk to sales — typical onboarding lands in days, not quarters.

Turn higher prices into clear monthly plans. · MALOPAY