Kinxverify.link is a Buy Now Pay Later (BNPL) infrastructure platform. We handle underwriting, payment plans, servicing, risk, and settlement so merchants can offer BNPL at checkout without building it themselves.
The vast majority of consumer applications are decided instantly by our underwriting rules engine. A small share are routed to manual review when they fall near a policy threshold.
Pay in 3, Pay in 4, Pay in 6, and Pay in 12 — each with its own APR, processing fee, and purchase limits, configurable per merchant.
Merchants are settled on a regular cadence (weekly, twice-weekly, or daily depending on plan) with full visibility into pending and completed settlements in the merchant dashboard.
Yes. The platform is designed around encryption in transit and at rest, strict access controls, and regular audits.
Yes, customers can make extra or early payments at any time from their customer dashboard with no prepayment penalty.
Missed payments move into a collections workflow with aging buckets, automated reminders, and a manual outreach queue for accounts that need follow-up.
Yes — Kinxverify.link supports both consumer and business BNPL applications, each evaluated against their own underwriting segment.
Through our BNPL API and webhook system. Most merchants go from sandbox to production in a couple of weeks — see the What We Do page for details.
Yes, you can create a free account and explore the merchant dashboard with sandbox data before going live.