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Custom BNPL Development

Transform flexible payments into a robust growth driver with Yojji — a buy now, pay later app development company creating secure and scalable BNPL software based on your business model. Starting with checkout integration and real-time credit decisions, we build tools to enhance sales, reduce cart abandonments, and increase brand loyalty. Launch your own BNPL platform with technology to deliver safety, performance, and experience from the very beginning.

Buy Now Pay Later App Development Services

We are a BNPL development company offering end-to-end services, including mobile and web BNPL development, seamless integrations, and ongoing support. We provide solutions to help you scale BNPL apps to help you grow your customer base and secure growth.

Buy now, pay later app development

We create and build BNPL apps for customers who want seamless, transparent, and flexible payment options. Each solution is designed to deliver consistent performance and seamless payment experience across devices and platforms, minimizing friction during the checkout process.

Custom BNPL software development

Our team offers custom BNPL app development services that fit your business model, compliance requirements, and brand. We customize the technology, from features to workflows, to match your specifications.

BNPL solutions for B2B

We offer BNPL services designed for B2B transactions, allowing businesses to offer extended payment terms without increasing risk. These solutions provide a lift to partner relationships and cash flow predictability.

BNPL API

Our BNPL API development makes integrating your existing systems easy and allows you to add BNPL functionality to any platform quickly. We're built for performance, security, and scale.

BNPL integrations

We architect BNPL solutions into eCommerce platforms, CRMs, ERPs, and other vital systems to create a consistent customer data flow with a seamless customer experience across all channels.

Maintenance and support

Once your BNPL applications are live, we provide ongoing maintenance and support to ensure your apps run safely and perform well. Our team is always on top of everything, from proactive monitoring to swift support resolution to maintaining operations.

We update and modernize legacy BNPL applications to ensure their longevity and optimize performance. This can include refactoring the code, upgrading frameworks, addressing security compliance, etc.

Case Studies

  • All Cases
  • Fintech

Centralized AI Development Workflow for a Peer-Network Platform

Industry: Fintech
Timeline: January 2026 - March 2026

Tiger 21 Connect is a web platform for a global network of high-net-worth investors. Their engineering team used several AI coding assistants, but each developer configured them differently. None of the tools knew the project's code standards, design files, or ticket structure. Our team built one shared setup that teaches every assistant the same rules, connects them to Figma, Jira, and Confluence, and adds around 40 templates for recurring tasks. Every developer now gets the same quality of AI help, and complex bugs that once took hours to investigate now resolve up to 98% faster.

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    Talay — Mobile App for Watch Collection Management and Loan Creation

    Industry: Fintech
    Timeline: October 2024 - May 2025

    Talay is a fintech mobile app that manages watch collections and generates asset-backed loans. The client required a platform that would allow customers to store and structure their watches, submit standardized data for evaluation, and use selected assets as collateral for loan requests in one interface. Our team designed and constructed the mobile app, created a structured flow for asset onboarding and verification, and implemented a scalable system that connects collections, valuation inputs, and loan origination.

    • React
    • React Native
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    ExpertsNow – Recruitment Workflow Platform

    Industry:
    Timeline: February 2025 - June 2025

    ExpertsNow is a web-based talent and opportunity management platform that helps companies manage candidates, experts, and hiring workflows in one structured environment. The Yojji team designed and developed a full-featured recruitment workflow system. Our client received responsive UI/UX, multi-role dashboards, and scalable architecture to support growing hiring operations.

    • React
    • Node.js
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    Loyal Payment – Mobile Fintech App for Utility Payment

    Industry: Fintech
    Timeline: April 2025 - September 2025

    Loyal Payment is a fintech mobile app for utility bill payments. The client required a simple product that allows users to pay water, gas, electricity, and housing bills in a single interface, track a payment history, and manage various addresses. Our team designed and developed the mobile app, created a scalable structure for multiple services, and simplified payment flows to increase payment transparency and decrease manual steps.

    • React
    • React Native
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    SuperMe – HealthTech Web Platform

    Industry: Healthcare
    Timeline: September 2024 - February 2025

    SuperMe Watch is a company that produces smartwatches for children, encouraging a healthy lifestyle by tracking activity and nutrition. Yojji created a gated online platform that can be accessed after payment using a unique code. It synchronizes the watch with calendars, tasks, food diaries, and progress indicators. Our client received a web platform that connects a physical gadget with a child-friendly website with simple tracking and motivation mechanisms.

    • React
    • Typescript
    • CSS
    • Node.js
    • Gitlab CI/CD
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    Runway5 – Aircraft Marketplace Platform

    Industry: Ecommerce
    Timeline: August 2024 - January 2025

    Runway5 is a web and mobile e-commerce platform for buying and selling aircraft. The request was to deliver UX/UI design and full product engineering with marketplace architecture, subscription-based selling, and contact-to-buy process. Our client received a production-ready marketplace with complex user flows: verified sellers list aircraft, and buyers search, compare, and contact sellers through a structured, compliant flow.

    • React
    • Typescript
    • Tailwind CSS
    • React Native
    • Postgres
    • Gitlab CI/CD
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    Zuzzle – E-learning Platform

    Industry: EdTech
    Timeline: March 2025 - October 2025

    Zuzzle is an online learning tool for organized study of foreign languages and academic disciplines. The product helps students prepare for exams. They have tests, exercises, learning data, and planning tools all in one interface. The Yojji team created this e-learning platform as a scalable system that allows users to schedule daily study activities across desktop and mobile devices, track progress by subject, and examine performance trends.

    • React
    • Node.js
    • Typescript
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    NFT marketplace

    Industry: web3
    Timeline: April - July 2022

    Fortiter is a Web3 NFT marketplace, a membership ecosystem based on NFT ownership. The client needed a platform connected to a wallet where users could view collections, track rarity, and monitor trading activity related to weekly payouts. Our team delivered a functional MVP with wallet integration, a clean interface, stable contract interactions, and real-time market data.

    • React
    • Node.js
    • Google Cloud Platform
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    ExpertsNow — A Modern Hiring Platform

    Industry: Management
    Timeline: September 2024 - May 2025

    ExpertsNow is a European platform where companies can create vacancies, review pre-selected expert profiles, track every hiring stage, and coordinate interviews. The Yojji team defined the product flow, designed the interface, and developed the web and mobile applications. Our client got a working two-sided system that helps companies manage their hiring pipeline and allows experts to respond to new roles in a few clicks.

    • React
    • Nestjs
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    Healthcare Booking Platform

    Industry: Healthcare
    Timeline: December 2024 - July 2025

    Our team designed and developed a custom healthcare booking platform where patients can search doctors, view real-time availability, and book appointments in a few clicks. It’s a unified system that connects multiple medical institutions, handles payments, and synchronizes bookings with each clinic’s CRM. In 7 months, our client got a fully functional web application.

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      A Custom LMS for Corporate Learning

      Industry: EdTech
      Timeline: November 2024 - May 2025

      Our team built a custom LMS web application for structured learning with strong community features. The request was to design and develop a platform where users can take multi-format courses, join interest-based groups, chat, track progress, participate in events, and earn certificates. The client received a fully functional and responsive LMS in 6 months.

      • React
      • Nestjs
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      A Platform for Investors

      Industry: Fintech
      Timeline: October 2024 - October 2025

      Our project is a web application for managing investments across stocks, crypto, and private equity. The request was to design, develop, and launch the platform with a focus on trading logic, data integration, and user experience. Our client received a fully functional, investor-ready platform with customizable dashboards and precise analytics.

      • React
      • Typescript
      • Node.js
      • Postgres
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      Infinightly – Smart Social App

      Industry: AI
      Timeline: October 2024 - August 2025

      Infinightly is a social event management app for modern event creators and attendees. Over 10 months of collaboration, our Yojji’s team transformed the idea into a full-featured social ecosystem where users can effortlessly explore, organize, and manage every stage of their event journey. It also helps reduce event setup time by over 40%.

      • React Native
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      AI-Powered Virtual Fitting Room

      Industry: Ecommerce, AI
      Timeline: August 2025 - October 2025

      The AI-powered Virtual Fitting Room is our solution that lets users mix and match outfits and instantly see how each look fits using an AI model or a personal photo. It helps fashion brands personalize shopping, increase conversions, reduce returns, and provide a confidence-driven user experience without complex integrations.

      • React
      • Tailwind CSS
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      Jellibeans - AI Fashion Analytics Platform

      Industry: AI
      Timeline: March 2022 - October 2024

      Jellibeans is a web and mobile platform that converts large volumes of fashion market data into decision-ready insights for brands and suppliers. We built the MVP to aggregate data from verified sources, visualize complex analytics through an intuitive interface, and help teams track trends, compare competitors, and plan collections without working directly with raw data or spreadsheets.

      • React
      • Nestjs
      • Google Cloud Platform
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      RideNow – Urban Rental App for Scooters and E-Bikes

      Industry: MaaS
      Timeline: January 2025 - October 2025

      The client needed a rental app that allows users to easily book, unlock, and pay for scooters, e-bikes, and e-motos. In just 5 months, our team delivered a fully functional, scalable urban rental app and admin system. It helps optimize logistics, reduce maintenance costs, and scale their services across different cities.

      • React Native
      • Postgres
      • JS
      • Nestjs
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      StudyHall - Online platform for teachers and students

      Industry: EdTech
      Timeline: February 2024 - November 2024

      StudyHall is a web and mobile learning platform for structured study and exam preparation. It combines AI assistance, grammar practice, and teacher-led assessments to help students work with complex materials more efficiently. Our client got clear tools for educators to track progress and understanding in one system.

      • React
      • Node.js
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      STB Union — on a Mission to Make Finances Convenient for Everyone

      Industry: Fintech
      Timeline: February 2020 - Present

      STB Union, a major FinTech player, partnered with Yojji to evolve from a traditional currency exchange network into a modern financial marketplace. The project aimed to develop a secure, scalable platform for multi-currency wallets, international transfers, and digital card services, using React JS, React Native, and Java to enhance STB Union’s service offerings and strengthen its position in FinTech.

      • React
      • React Native
      • Java
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      CSI Helsinki Leading Legal Software Solutions

      Industry: Legal
      Timeline: August 2021 - September 2023

      CSI – Creative Software Innovations is a software house devoted to developing solutions for the legal industry. The company stands out as a reliable and financially stable partner, offering advanced and continuously evolving software that helps law firms maximize efficiency and business value.

      • React
      • React Native
      • k8s
      • Docker
      • Nestjs
      • Azure DevOps
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      AMOD — AI-Powered Interior Design & Furniture Marketplace

      Industry: Ecommerce, AI
      Timeline: June 2023 - November 2023

      A matter of design (AMOD) is a web and mobile platform where users can redesign real apartments, manage subscriptions, save ideas, and buy furniture without switching between separate tools. Our task was to design and develop the full product: secure authentication, subscription and payment logic, AI-based room redesign, bookmarking, and e-commerce functionality.

      • Nestjs
      • Cloudflare
      • Postgres
      • Redis
      • Github actions
      • Docker
      • Terraform
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      Worldwide Remittance SaaS Platform

      Industry: Fintech
      Timeline: Jan 2017 - Feb 2020

      Vala facilitates direct money transfers between businesses, reducing transaction costs and creating new revenue streams. Our team handled the UI design, revamped the application’s admin panel, and built a mobile version from scratch. Ultimately, we were given full autonomy over project design and development decisions.

      • React
      • React Native
      • Java
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      Time Machine – Time Tracking & Performance Management System

      Industry: Workforce Management
      Timeline: Oct 2018 - Mar 2019

      Our Yojji team built Time Machine as an internal time tracking system because existing tools didn’t match our workflow. The web app allows our employees to log hours by project, add weekly comments, and separate billable from non-billable time. Managers got clear visibility into workload and performance. The main focus was on simplicity, so new team members can start tracking time in just a few clicks.

      • Vue.js
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      Covid-19 Symptom Screening & Tracking for Schools

      Industry: Healthcare
      Timeline: Mar 2022 – Present
(~1 year)

      Symptomatical is a symptom management system developed to help companies and schools reopen safely and proactively manage COVID-19 risks. Our team enhanced the platform with analytics tools, an admin dashboard, a secure authorization system, a dedicated landing page, and Stripe API integration. This solution supports daily health screenings, enforces safety protocols, and ensures seamless operational continuity.

      • React
      • React Native
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      Social Platform for High-Net-Worth Members

      Industry: Social Media
      Timeline: Jan 2020 - Apr 2020

      Our Yojji experts built a social platform for a private network of 800+ executives, entrepreneurs, and investors who meet regularly to exchange experience and solve business challenges. The platform helps members connect, organize regional events, schedule meetings, and communicate in one secure space. It’s fully synced with Salesforce data. We completed the project in four months, 1.5× faster than the original six-month plan.

      • React
      • React Native
      • Node.js
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      Smart Health – Platform for Healthcare Providers

      Industry: Healthcare
      Timeline: Feb 2020 - Sep 2020

      We developed a web and mobile platform that enables hospitals and medical centers to conduct remote health consultations and structured COVID-19 risk surveys. The system allows organizations to assess individual risk levels, generate personalized prevention recommendations, and create customizable online questionnaires.

      • React
      • React Native
      • Node.js
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      Cross countries payroll solution for SMB

      Industry: Fintech
      Timeline: Oct 2018 - Aug 2019

      Payroll is a $1.2b cloud-based solution that enables companies to manage global payroll, oversee payment cycles, and process direct transfers across countries. They approached us to build this system on their financial and legal infrastructure. Yojji led the frontend development and design and contributed to backend tasks. Within two months, users completed their first payroll transactions, and the platform continued to expand with new features.

      • Angular
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      Osu – Open Banking & Payments App

      Industry: Fintech
      Timeline: Mar 2023 – Ongoing

      Osu is a business management and payments app for sole traders, integrated with accounting software. Yojji team built the front end for Osu’s open-banking service. It includes a payment widget and an admin dashboard for tracking transactions, managing users, and configuring features. After the MVP launch, we expanded the product with payment request flows and continue to develop the mobile app with new functionality.

      • React
      • React Native
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      Investment application for parents

      Industry: Fintech
      Timeline: Apr 2020 - Oct 2020

      An Australian financial company partnered with us to build a mobile investment application that allows parents to create separate accounts for their children and invest regularly. The platform supports automated payments, stock price tracking, and portfolio monitoring to accumulate capital over time. Within three weeks, we delivered a fully functional MVP with core investment logic and secure data exchange with backend systems.

      • React Native
      • React
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      Avenue - Workforce Management Solution

      Industry: Workforce Management
      Timeline: Jun 2019 - Nov 2019

      Avenue tasked us with creating a platform for large companies that allows employees to set development goals, schedule lectures, receive notifications, and provide feedback. Using Scrum with two-week sprints, our PM ensured smooth communication and quick issue resolution. After launching the MVP, we provided biweekly updates, efficiently incorporating client feedback and new features.

      • React
      • React Native
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      Key Features of Our BNPL Solutions

      01

      Transaction Monitoring

      As a BNPL development company, we provide your platform with powerful transaction monitoring features that allow you to see every payment event as it happens in real-time. With this level of detail, BNPL providers can benefit from the transparency and ensure high protection against potential fraud in mobile and web BNPL application development.
      02

      Payment Management

      Our BNPL app development services provide powerful payment management capabilities that make it easier to schedule agreements for installments, automate collections, and manage multiple payment modalities. All of this will help BNPL providers maintain accuracy and further satisfy clients.
      03

      User Management

      We create secure user management modules that allow you to easily onboard, verify, and manage customer accounts. Our BNPL app development guarantees secure onboarding and automatic credit assessment, ensuring compliance is met and service is seamless for the users.
      04

      Notification Management

      Seamlessly communicate with your customers using automated notifications, including payment reminders, approvals, and other account updates. Our mobile and web BNPL application development has a flexible notification system built to increase engagement and limit missed payments.
      05

      Dashboard Analytics

      Through our BNPL app development, we deliver powerful dashboard analytics that provide the BNPL provider with a clear understanding of customer behavior, payment trends, and performance metrics. This delivers BNPL providers the data they can use to make informed decisions about payment performance and develop an effective business strategy.

      Our BNPL App Development Process

      Discovery and prototyping

      Discovery and prototyping

      We always start each BNPL development project with one of our extended discovery and definitions phases to understand your vision, target market, and business model. This includes market research, competitor analysis, and defining the technical requirements for the BNPL application. Then we build interactive prototypes to visualize your BNPL solution, so you can confirm ideas and make sound decisions before we develop the application.

      Web and mobile development

      UI/UX Design

      DevOps services

      Quality assurance

      Technology Stack We Use

      Front-end
      Back-end
      Mobile
      AI
      html
      Html
      next
      Next
      vue
      Vue.js
      typescript
      Typescript
      css
      CSS
      react
      React
      angular
      Angular
      Tanstack
      Tailwind CSS
      Shadcn
      Ant Design
      js
      JS

      Why Choose Us as Your BNPL Software Partner

      Extensive Experience in Fintech Solutions

      As a company with years of experience in helping our clients develop complex financial software, we know fintech's unique regulatory, security, and performance requirements. We have worked with BNPL providers, banks, and payment providers to craft solutions that align with regulatory guidelines and adhere to user expectations. Our ability to draw on our existing knowledge enables us to foresee hurdles and deliver disruptive BNPL applications that meet compliance.

      Transparent Communication and Flexible Collaboration

      We believe you should be apprised and involved in all aspects of BNPL development so there are no surprises - only forward progression. We can structure the development process as you wish - as swift and beautiful agile sprints, fixed milestones, or a hybrid of both. This adaptability allows our team to align with your workflow, decision-making style, and business culture.

      Smooth Integration with Your Existing Infrastructure

      Our BNPL development company specializes in integrating new BNPL services into your existing systems without interrupting your operations. We guarantee compatibility and stability whether we are integrating with your payment gateways, CRMs, ERPs, or third-party APIs. A linked, efficient ecosystem that offers the assistance you require to expand is the ultimate outcome.

      Proven Track Record

      We have successfully delivered fintech and BNPL solutions to clients across conventional and unconventional markets, from startups to national financial institutions. Our work proves we can handle high transaction loads, complex compliance regimes, and unique business models. This history of successful launches results in less risk and faster time to market for your project.

      Fully Tailored Solutions

      Providing "off-the-shelf" software can work for your business, but custom solutions allow you to connect your users’ unique needs and your branding. This is why each BNPL application we develop is customized for your brand, customer base, and strategic goals. If you want custom features, unique workflows, etc., we make sure your BNPL platform will manifest your vision. This level of personalization helps you stand out among your competitors while creating a truly unique customer experience.

      Testimonials

      quote
      Yojji successfully delivered the project within schedule. They demonstrated excellent project management via weekly sprint demos and promptly made adjustments based on the client's feedback. Their responsiveness and collaborative attitude were key elements of their work.
      Julian Leung
      Julian Leung
      Product Manager - A Matter Of Design | Property Tech & Artificial Intelligence
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      quote
      Yojji was an instrumental part of the client’s team, working closely with them to achieve the product’s success. The team was very collaborative and timely, and their performance was amazing. Additionally, their resources were experienced, professional, and enjoyable to work with.
      Alon Zion
      Alon Zion
      Former Co-Founder, Vala
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      quote
      Yojii is impressive both in quality of development work as well as their commitment. Strong focus on delivery, highly technical personnel, flexible approach that allows for rapid development. Strong processes that allow for solid controls.
      Rohit Mahajan
      Rohit Mahajan
      Executive, Performlive Inc
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      quote
      We’re very happy with the way that Yojji works, which is why we’ve spent so much money and engaged them for such a long time. We treat them as employees in regard to responsibilities and expectations, and they haven’t disappointed us.
      Noam Nevo
      Noam Nevo
      Co-founder of OSU
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      quote
      As a company, we find Yojji to be excellent development partners - we cannot recommend them more highly and will be very happy to continue working with them in the future.
      Gareth Reese
      Gareth Reese
      Marketing Manager
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      quote
      They are really nice people with excellent technical backgrounds.
      Bjorn Beyersdorff
      Bjorn Beyersdorff
      CEO, Founder
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      quote
      We used Agile project management methodology and were in contact with the team and project manager daily.
      Arvind Sedha
      Arvind Sedha
      Software Development Director
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      quote
      They all had a super positive outlook and were dedicated to getting the work completed to a high standard.
      Philip Black
      Philip Black
      CEO
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      quote
      Yojji has delivered an accessible product with thorough consideration for the client's requirements. Users have commented on the platform's user-friendliness and speed. Moreover, the team is easy to communicate with and provides frequent updates. Their development and design skills are impressive.
      Lisa Ross
      Lisa Ross
      VP of Experience & Tech, Avenue
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      Frequently asked questions

      How much control do I have over the development process?

      When could you start on my project?

      How long does it usually take to build a BNPL app?

      Can a BNPL app work with my current eCommerce platform?

      How can a BNPL app help me keep customers coming back?

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