E-commerce Checkout Financing (BNPL B2C): Boosting Sales Through Embedded Credit

Learn how e-commerce platforms can integrate Buy Now, Pay Later (BNPL) solutions to improve conversions, customer loyalty, and revenue growth through embedded finance.

Introduction

Online shoppers love flexibility. But when price becomes a barrier, even the best checkout experience can’t prevent cart abandonment. Buy Now, Pay Later (BNPL) options are transforming this moment of friction into an opportunity — letting customers complete their purchase instantly and pay over time, directly within the store’s checkout flow.

The Problem: Friction at Checkout

E-commerce merchants face growing challenges:

• Rising cart abandonment rates due to limited payment options

• Customers hesitant to make large upfront payments

• Slow or clunky financing processes from third-party providers

• Lack of control over the user experience during the payment step

Traditional financing often disrupts the checkout flow, forcing users to leave the merchant’s site and complete external verification steps — resulting in lower conversions and broken brand continuity.

The Solution: Embedded BNPL at Checkout

By integrating BNPL directly into the checkout process, merchants can offer instant, seamless financing options while keeping users in the same environment. Embedded finance platforms like EmFi make this possible through:

• Instant credit approval without redirecting users off-site

• Dynamic payment options based on real-time credit scoring

• Full compliance with PSD2 and AML requirements

• Unified reporting and reconciliation across payments and credit flows

How It Works

1. Onboarding & Risk Checks

EmFi’s Onboarding module handles KYC/KYB and credit scoring in real time, ensuring each customer is properly verified before financing approval.

2. Checkout Integration

The merchant integrates EmFi’s BNPL widget or API directly into their checkout flow — offering split payments, deferred payments, or financing plans.

3. Instant Disbursement

Once the purchase is confirmed, funds are transferred instantly to the merchant’s wallet or settlement account via EmFi’s Money Movement & FX engine.

4. Customer Repayment

The end customer repays according to their chosen plan through their EmFi-powered account or linked payment method.

Key Benefits

• ✅ Increased Conversions: Offer instant credit at checkout without redirecting users.

• ✅ Loyalty Boost: Provide flexibility and improve customer satisfaction.

• ✅ Faster Settlements: Merchants receive funds instantly while EmFi manages repayments.

• ✅ Lower Risk Exposure: Automated credit scoring and fraud prevention.

• ✅ Fully Compliant: Built-in KYC/KYB and AML processes.

Real-World Example

Imagine a fashion e-commerce brand that integrates EmFi’s BNPL module. At checkout, a customer sees a payment option: “Pay in 3 installments.” With one click, their credit is verified, and they complete the purchase in seconds. The merchant receives full payment immediately, while EmFi manages the repayment schedule.

The result? Fewer abandoned carts, higher order values, and a better customer experience — all without additional operational complexity.

Expected Results / KPIs

• 💳 Up to 30% increase in checkout conversion rates

• ⏱ Instant settlement to merchants

• 💰 Higher average order value (AOV) by up to 40%

• 🛡️ Reduced fraud risk through embedded compliance and identity verification

Products Involved

• Onboarding: Real-time credit and identity checks

• Money Movement & FX: Instant settlement and multi-currency management

• Capital: BNPL and credit disbursement engine

Conclusion

Embedded BNPL isn’t just a payment method — it’s a conversion strategy. By keeping users within the checkout flow and offering flexible payment options, merchants unlock higher revenue, better user experience, and stronger brand trust.

(Suggested visual: a checkout flow diagram showing user > credit approval > merchant payout > customer repayment)