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Let customers pay over time, without charging interest.

Merchant-, platform- or funder-funded plans with many repayment rails.

Talk to us about buy now, pay laterAPI reference →
Illustrative
Why it matters

What it changes for you.

Phones, generators, school fees and furniture are too big to pay for at once for most households, and the alternatives are expensive. Merchants lose sales; customers go without or borrow at punishing rates.

Buy now, pay later on Bridge lets a merchant, a platform or a funder finance a purchase, priced upfront so the customer knows exactly what they'll pay. Customers see indicative terms on the product page, apply online or in store, and repay in instalments on many rails: wallet, transfer, cash at an agent, or automatically on the due date.

Plans can be structured as Murabaha contracts. It charges no interest, offers no revolving credit and does not report to credit bureaus. Returns, disputes, hardship arrangements and early settlement are all handled on the same ledger.

How it works

Step by step.

  1. Show indicative terms

    On the product page, before the customer applies, so there are no surprises.

  2. Apply and accept

    Online or in store on the customer's behalf; the offer states the full price and every due date.

  3. The merchant is settled

    On the merchant discount and settlement terms you set, with reserves released on schedule.

  4. Repay on any rail

    Wallet, transfer, cash at an agent, or a consented sweep from the wallet on the due date, in whole or in part.

  5. Handle what comes up

    Returns, disputes, early settlement, a cooling-off cancellation or a hardship arrangement.

What you can switch on

Built in, not bolted on.

Merchant, platform or funder funded

Whoever carries the risk funds the plan, and the books show exactly who.

Priced upfront

The customer sees the full price before they accept; nothing accrues as interest.

Repay in cash at an agent

For customers who live in cash, an agent takes the instalment and records it.

Auto-collect on the due date

With the customer's consent, the instalment is swept from their wallet on the day.

Hardship arrangements

Customers who fall behind can ask for a new arrangement, and your team can grant one.

Returns and early settlement

A return reduces the plan to match, and customers can settle early at any time.

  • Plans funded by the merchant, the platform or a funder
  • Murabaha contracts and collateral
  • Repayment on many rails
Use cases

How businesses use it.

Illustrative businesses, not customers. Figures are made up to show the flow.

A phone retailer with outlets across Lagos · Merchants & e-commerce

Phones in instalments, in store

Customers walk in wanting a ₦450,000 phone and walk out when they hear the price. The retailer wants to offer instalments without running a loan book.

  1. Staff originate a plan on the customer's behalf at the counter
  2. The customer pays a deposit and accepts four instalments
  3. A funder finances the plan; the retailer is settled on its terms
  4. The phone can be locked if the plan falls badly behind, with an emergency unlock

The retailer sells more phones and gets paid upfront, and the customer knows the full price from the start.

Illustrative

A school-fees platform for private schools in Ibadan · Lenders & BNPL

School fees spread across the term

Parents can't pay a term's fees in one go, and schools spend weeks chasing them. The platform wants schools paid on time and parents to pay monthly.

  1. The platform funds each plan and pays the school at the start of term
  2. Parents repay monthly by transfer or wallet
  3. With the parent's consent, each instalment is swept from their wallet on the due date
  4. Parents who struggle can ask for a hardship arrangement

Schools are paid at the start of term, and parents pay in amounts that fit their salary.

Illustrative

A building-supplies marketplace in Abuja · Marketplaces

Building materials for small contractors

Small contractors need cement and roofing sheets before they're paid by their own clients. Suppliers won't give credit to people they don't know.

  1. Contractors see indicative terms on the product page
  2. First plans are small; the thin-file ladder raises limits as they repay
  3. The supplier is settled on the terms the marketplace agreed with it
  4. Returns of damaged sheets reduce the plan automatically

Contractors get materials on time, suppliers are paid without extending credit themselves, and limits grow with each plan repaid.

Illustrative
What it won't do

Honest limits.

  • It charges no interest, offers no revolving credit and does not report to credit bureaus.
Bridge Payments

Collect repayments with Bridge Payments

See Bridge Payments
Who uses it

Built into these products.

Lenders & BNPL

Score, lend and collect on one ledger.

Lenders & BNPL

Merchants & e-commerce

Get paid on every rail, even offline.

Merchants & e-commerce
For developers

Pay towards a plan.

Endpoints in the Buy now, pay later API reference, with every parameter and response.

State changes arrive as signed webhooks. How webhooks work

POST /bnpl/plan/{reference}/pay

curl -X POST "https://api.bridgemoni.com/bnpl/plan/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/pay" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
  "amount": 0,
  "sourceAccountNumber": "string",
  "paymentSource": "WALLET",
  "effectiveDate": "2026-09-25",
  "idempotencyKey": "string"
}'

Questions about buy now, pay later

Does BNPL charge interest?

No. Plans are priced upfront, and nothing accrues as interest. There's no revolving credit.

Do you report to credit bureaus?

No. Repayment history stays on your own ledger.

Can a customer cancel?

Within the cooling-off window, yes. After that, they can settle early at any time.

What happens if a customer returns the item?

Record the return, in whole or in part, and the plan is reduced to match.

Related capabilities

Credit scoring

Live

An explainable score from scorecards you write, with shadow runs first.

Lending

Next

Lenders, products, origination, offers, disbursement and servicing.

Insurance

Next

Cover from licensed insurers, sold, paid and claimed inside your app.

Bridge for Business

Tell us what you're building.

We'll come back with what's live for you today, and what's next.

Talk to usRead the docs