SolGuruz is a Buy Now Pay Later app development company that builds the full BNPL stack, from the shopper app and merchant checkout to the credit decisioning, settlement, and compliance behind them. We have shipped a production BNPL app (FlexiPe) against CFPB Reg Z, KYC and AML, and PCI-DSS Level 1 practices, so we scope your build from experience, not theory.
Trusted by Startups and Enterprises Worldwide
Custom Software Development Success Stories
Real founders, CEOs, CTOs, and product owners behind 102+ shipped products across 14 industries share what working with SolGuruz looked like. Every story is one of 130+ independently verified client reviews across Clutch, Google, Glassdoor, and other platforms, averaging 4.9 ★★★★★ ratings.
Online Art Education Platform
I've been working with SolGuruz for almost five or six years. They say you have to pick two of the three: cost, quality, or speed. SolGuruz has been the only company that I have ever experienced that has delivered on all three of those pillars at the same time. They deliver the highest quality code, designs, and projects at the best price and within timelines you think are impossible. You guys are amazing and unmatched.
Vice President & Co-Founder, Sparketh | Shark Tank Featured Startup
Custom Software Solution Development / Driver Dashboard & Invoice Automation for Food Service Company
SolGuruz has delivered a solution that has reduced 90% of manual efforts through automation and provided real-time insights for supplier fulfillment and order volume trends. The team is responsive to requests and changes, and their proactive approach to problem-solving has stood out.
Summarized from Gary Boyd's Clutch review
Gary Boyd
CEO and Owner, Tasty Food Guys | Florida, USA
Mobile App & Web App Dev & UX/UI Design for Social Platform / Daily Journaling App
SolGuruz has delivered the initial design and meets weekly to track progress. The team coordinates the project through a project manager as the primary client contact. SolGuruz is communicative and provides follow-up to meet requirements. They communicate via virtual meetings, emails, and messages.
Summarized from Robert Mond's Clutch review
Robert Mond
Principal, The Master Storytellers LLC & Founder/CEO, DreamStoryLive | New Mexico, USA
Radon Compliance Software - Website & Mobile App Dev for Home Services Company
SolGuruz delivered the project on time and had outstanding project management skills. Furthermore, the team communicated effectively and cohesively through Microsoft Teams. Overall, the service provider's performance led to the client's satisfaction.
Summarized from Chad Smith's Clutch review
Chad Smith
Owner, Monarch Radon Testing LLC & Founder, RadonSketch | Colorado, USA
what we build
BNPL is not one product. It is a lending platform for providers, a checkout feature for merchants, and a credit engine underneath both. We build across all of it, tailored to your market and plan types.
You own the credit product. We build the shopper app, decisioning, settlement, and collections, and we build them to comply.
BNPL delivered through a virtual or linked card, so shoppers can pay in instalments anywhere the card is accepted, with activity tracked per card.
Net-terms and instalment financing for business buyers, with approval, invoicing, and reconciliation built for higher-ticket B2B orders.
You want to offer instalments without becoming a lender. We integrate BNPL into your checkout and keep your storefront yours.
Add an instalment option to an existing store or point of sale through a clean SDK or plugin, with the provider carrying the credit risk.
The credit engine and back office that make a BNPL product work, plus BNPL tuned for specific verticals.
Real-time approve or decline, spending limits, fraud checks, and the scoring logic that keeps default losses below fee revenue.
Merchant onboarding, a settlement dashboard, ledgering, and reconciliation so every payout and fee, from the merchant discount rate (MDR) and interchange to late fees, is accurate and auditable.
Auto-debit with retry logic, structured reminders, late-fee handling where legal, and collections on defaults.
BNPL tuned for a sector, from healthcare and patient financing to high-ticket retail, travel, and education instalments.
Talk to a team that has shipped a production BNPL app, from decisioning to compliance and launch.
our services
Our buy now pay later app development services span the full build, from the first scoping call to post-launch iteration, so you are not stitching together separate vendors for app, backend, and compliance.
We help you decide the plan types, the build-versus-integrate call on decisioning, and the compliance path before a line of code is written.
The web side of the product: the merchant console, the admin and operations back office, and a customer web portal, built to match the app and share one ledger.
Shopper, merchant, and admin flows designed for clarity and trust, because friction in a finance app costs conversions and repayments.
Post-launch monitoring of approval rates, default rates, and conversion, with updates, security patches, and continuous tuning as the product scales.
Payment gateways, KYC and AML providers, credit bureaus, and accounting systems, wired in so the product moves money safely and decides credit in real time.
Book a scoping call and we will map the product, the compliance path (Reg Z, KYC and AML), and a realistic timeline with you.
free resource
Our fintech security and compliance playbook covers the controls that keep a BNPL build audit-ready, from KYC and AML to PCI-DSS Level 1 practices. Free to download.
A practical eBook for founders, CTOs, and product leaders on building secure financial systems that users trust and regulators approve.
AI and ML
We add AI where it earns its place in a BNPL product, from the credit decision at checkout to collections after it. Each capability below is built into the platform, not bolted on after launch, and backed by our AI development team.
From smarter credit decisions to fraud detection and personalised checkout, we build the AI that moves your numbers.
compliance
A BNPL app is regulated consumer credit. We treat compliance as an architecture input from day one, and we build to comply rather than bolting it on at the end. For the deeper view, read our fintech secure product building playbook.
US BNPL lenders must now provide consumer protections similar to credit cards, including dispute resolution and refund handling. We build the product flows that support it.
Moving and settling funds can trigger money transmitter licensing that varies by state. We design the architecture around your legal setup and go-to-market.
Identity verification and Anti-Money-Laundering screening are built into onboarding through specialist providers, with ongoing monitoring for suspicious activity.
integrations
A BNPL platform is a set of services around a ledger. These are the integrations we wire in so the product moves money safely and decides credit in real time.
Stripe, Adyen, or a bank gateway to move funds and tokenize card data, so raw card numbers never touch your systems and PCI scope stays small.
Identity verification and screening wired into onboarding, so credit is only granted after a user is verified.
Decisioning inputs and, where applicable, repayment reporting through providers such as Experian, TransUnion, and Equifax.
Systems that track repayments, fees, and merchant payouts accurately, so finance and compliance always reconcile.
We keep the stack boring and proven, because a BNPL app is won on decisioning and compliance, not on chasing trends. For the full layer-by-layer breakdown, read our guide on how to build a BNPL app.
Claude Code
GitHub Copilot
Cursor
Windsurf
v0
Gemini
Codex
Banani
Figma Make
Uizard
Pencil Dev
Stitch
Kiro
Antigravity
User-doc
Miro AI
Whimsical AI
Claude Code
GitHub Copilot
Cursor
Windsurf
v0
Gemini
Codex
Banani
Figma Make
Uizard
Pencil Dev
Stitch
Kiro
Antigravity
User-doc
Miro AI
Whimsical AI
We follow a defined process so compliance and credit risk are handled early, not discovered late. Each stage has a named deliverable and a clear owner.
cost
BNPL app development cost tracks scope more than anything else, and the biggest driver is how much of the credit and risk engine you build versus integrate. A lean first version can reach an early launch in 2 to 4 months, typically $30,000 to $50,000. A production-grade, regulated platform runs 8 to 14 months and costs several times more, often $150,000 to $300,000 or more.
One platform, a simple Pay-in-4 flow, and an integrated decisioning provider. The fastest route to validating the product with real users. Typically $30,000 to $50,000.
A native app, a merchant console, and integrated decisioning with deeper compliance and several integrations. The step up from an MVP toward a full production build. Typically $50,000 to $150,000.
Native apps, a merchant console, in-house decisioning, and full compliance. The build for a fintech launching a real BNPL product. Typically $150,000 to $300,000 or more.
Ranges are indicative and depend on your feature set, platforms, and integrations. We give a line-item estimate during scoping.
As a BNPL development company that has shipped in production, we build BNPL products from credit decisioning to compliance and launch.
industries
BNPL fits anywhere a purchase or a bill is large enough that paying over time changes the decision. We build it for the sectors where that matters most.
Checkout BNPL that lifts conversion and average order value, and reduces cart abandonment, for online and in-store retail.
Instalment plans for treatments and procedures, so patients can spread costs and providers get paid upfront.
BNPL for travel, electronics, education, and other high-ticket purchases where instalments drive the sale.
Trade credit and net-terms financing for business buyers, and split-payment flows for marketplaces.
We combine shipped BNPL experience, real compliance depth, and one team across the whole build, so you build with a team that has done this before.
Here's why founders trust us to build their BNPL product:
A Shipped BNPL Product
We built and launched FlexiPe, our BNPL app case study, a production BNPL app for a US fintech, in 8 to 10 months. We scope your build from that experience, not from theory.
Compliance Built In
We build to comply with CFPB Reg Z, KYC and AML, and PCI-DSS Level 1 practices, so the regulated parts are handled from the architecture up.
The Credit Engine, Not Just the UI
We build the decisioning, limits, settlement, and collections that make a BNPL product work, which is where most teams underestimate the work.
Proven Delivery
SolGuruz has shipped 102+ products across 14 industries with a 99.9% delivery rate, backed by ISO 27001 and ISO 9001 certified processes. See where we rank among BNPL app development companies.
One Team, One Build
App, backend, decisioning, and compliance under one roof, so you are not integrating separate vendors and hoping the seams hold.
Read what founders and product teams say about building with SolGuruz.
SaaS Platform Redesign Services for Sales Promoting Platform
The platform looks better than before and is appreciated by the end customers, thanks to SolGuruz. The team uses Slack for communication and has been effective so far. Their dedication and proactivity impress the client.
Summarized from Robin Singhvi's Clutch review
Robin Singhvi, CEO, SmartCue
Mumbai, India
UI/UX Design & Development for Software Community Platform
The engagement was a success; SolGuruz completed four months worth of work in just one month. They guided the client through the best rollout plan and went the extra mile to keep everyone involved in the process. Overall, they were transparent, timely, communicative, and professional.
Summarized from Arpan Garg's Clutch review
Arpan Garg, Founder, Commudle
India
Custom Software Development - Mobile & Web Dev for Documentation Solutions Firm
SolGuruz's work continues to receive positive feedback from the client's customers. The team is highly communicative and professional from a project management standpoint, and internal stakeholders are impressed with the service provider's technical expertise.
Summarized from Deepak Dhanak's Clutch review
Deepak Dhanak, Co-founder & CEO
Mumbai, India
From Our Portfolio
See how our team built BNPL and fintech products, from a full Buy Now Pay Later app to subscription billing and fractional investment platforms.
Buy Now Pay Later (BNPL) App Solution
Get insights from FlexiPe App’s Case Study relates to the Buy Now Pay Later model, offering a comprehensive analysis of the BNPL App.
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Key Outcomes
We deliver secure, compliant, high-performance BNPL apps for iOS, Android, and web.
Quick answers to the questions our clients and prospects ask most. If yours is not here, our team is one click away.
Need advice tailored to your project?
FAQs cover the common ground. For decisions specific to your tech stack, timeline, and team, talk directly to a senior engineer who has shipped what you are planning.
