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 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 →
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.