Financing solutions

Enable your customers buy more with ease.

Allow people to buy what they want today and pay for the purchase over time in 3 instalments with no interest or apply for a consumer loan right on your e-store.

Service is currently available in Lithuania, with cross-border lending in European countries coming soon.

BNPL (Buy Now, Pay Later)

Pay in 3. No interest

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POS lending

Consumer loan. Monthly instalments

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Benefits

Increase sales

Allow your customers to buy more with ease with a convenient payment method that lets buyers make instant purchases. There’s no delay. The chance to increase cross-border sales too is coming soon.

Increase Acquisition

Reach a more diverse set of customers by offering them a convenient alternative payment method that lets people buy what they want today. Shoppers are given the ability to connect with a creditor and get a loan.

Get paid instantly

You will receive funds instantly once a customer’s application is approved and the credit agreement is signed.

Gain competitive advantage

Be the first to offer your customers more convenient ways to pay for goods on your online store - Pay in 3 or choose Monthly financing.

Diligent creditor

Having Neopay’s BNPL and POS Lending solutions right on your e-shop enables consumers to Pay in 3 or apply for loans from a diligent creditor, Paskolu Klubas, which is part of the NEO Finance AB family of companies. More

Currently we operate in Lithuania and offer personal short-term loans for consumer items with a value of up to €30 000.

50%

P2P market
share

9 out 10

Customers would choose us again

+10k

Active borrowers

€ 120 mln

Loans issued

How does it work?

BNPL (Buy Now, Pay Later)

Pay in 3. No interest

Neopay lets online shoppers buy goods on your e-shop with ease by giving them a convenient option to pay over time in 3 instalments. There’s no interest and no fees if they pay on time. Legal terms

Let customers get what they want today and pay over time

Buyers can split the cost of a purchase into 3 interest-free monthly payments.
There‘s no interest. And there are no fees when payments are made on time.
You get paid instantly when a customer’s application is approved and the credit agreement is signed.

Simple shopper journey
for purchase with BNPL

Easily recognizes the “Pay Later” logo on goods

Simply chooses BNPL as the payment method

Applies and signs a credit agreement

Purchase is financed and completed

Conveniently pays in 3 monthly instalments

Goods available for purchase with BNPL are marked as such on your e-shop. Online buyers can easily recognize the “Pay Later” option as they make a buying decision. There’s no wait.

Online buyers select BNPL from among the available payment methods on your online store or on a widget.

The customer is guided through a quick automated financing process: they fill in an application form, and if the application is confirmed, they sign the credit agreement.

The purchase is financed and the e-shop receives the funds instantly from NEO Finance AB (Paskolu Klubas). The customer receives the purchased product or services.

The customer makes 3 interest-free payments, once a month, directly to NEO Finance AB (Paskolu Klubas).

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POS Lending

Consumer loan. Monthly instalments

Neopay enables your shoppers to easily and smoothly get a loan from Paskolu Klubas for an instant purchase right at checkout. Flexible monthly financing is available for 12 to 36 months, with equal instalments and an agreed interest rate and conditions. Legal terms

Enable shoppers to buy your goods now and pay flexibly with monthly financing

Purchase goods now, split payment into monthly instalments.
Ability to choose a convenient payment method.

Smooth shopper journey to purchase
with POS Lending

Easily notices the “Monthly financing” logo on goods

Simply chooses “Monthly financing” as the payment method

Applies and signs a credit agreement

Purchase is financed and completed

Makes convenient monthly payments

Items available for purchase with POS Lending are marked as such on your e-shop. Online buyers can easily recognize the “Monthly financing” option as they make a buying decision. There’s no wait.

The online buyer chooses “Monthly financing” as one of the available payment methods on your online store or on a payment initiation widget.

The customer is guided through a quick automated financing process: they fill in an application form and if it is approved, they signs a credit agreement.

The purchase is financed and the e-shop receives the funds instantly from NEO Finance AB (Paskolu Klubas). The customer gets the products or services they purchased.

The customer makes payments every month directly to NEO Finance AB (Paskolu Klubas), according to the agreed financing conditions.

REQUEST E-CONSULTATION

Easy to activate

Choose BNPL and POS Lending custom solutions based on your online store’s needs.

With a simple integration, let your customers choose BNPL or POS lending as the payment method right on a payment initiation widget.
Contact us

Integrate BNPL and POS lending into your online store and let your shoppers easily choose them as payment options for their shopping cart.
Contact us

Want to get more information about financing solutions?
Just send us a request for an e-consultation and one of our advisors will get in touch with you shortly.

Activate financing solutions with PIS to get the most of Neopay’s Open Banking

Payment initiation

Bypass multiple fee-charging parties in the EU to reduce transactional costs on payment processing with our secure open banking payment initiation service (PIS).

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Recurring payments

Manage recuring payments and subscriptions to bill your customers automatically and let them pay the way they prefer: via a chosen bank account or by credit card.

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