Kinxverify.link gives merchants a modern BNPL program — instant underwriting, flexible payment plans, and transparent settlements — without building any of it in-house.
Kinxverify.link handles approvals, servicing, and settlement so your team can focus on selling.
Shoppers apply at checkout in under a minute — name, a few financial details, done.
Our rules engine scores the application instantly and returns an approval, decline, or manual review.
Approved customers choose a plan and split their purchase into simple, predictable installments.
One platform for underwriting, servicing, risk, and settlements — for admins, merchants, and customers alike.
Applications are evaluated in seconds against a configurable underwriting rules engine — no manual queues for the vast majority of shoppers.
Real-time risk scoring, exposure limits and delinquency tracking keep your portfolio healthy without extra headcount.
Pay in 3, 4, 6 or 12 — configure APR, fees and purchase limits per plan and roll changes out instantly.
A clean BNPL API and webhook system means your team can go from sandbox to production in days, not months.
Merchants get paid on a clear settlement cadence with full visibility into pending and completed payouts.
Portfolio-level insights surface risk clusters and approval trends before they become a problem.
“Kinxverify.link let us launch BNPL at checkout in two weeks. Approval speed and the clarity of the settlement dashboard have been the biggest wins for our finance team.”
Dana Whitfield
Head of Payments, Northern Outfitters
“The underwriting rules engine is refreshingly simple to reason about. We adjusted our risk tiers ourselves without waiting on an engineering sprint.”
Marcus Cole
VP Risk, UrbanStyle
“Our customers love the Pay in 4 option, and the customer dashboard makes it dead simple for them to track what they owe.”
Priya Anand
COO, Lumen Electronics