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.
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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 133+ independently verified client reviews across Clutch, Google, Glassdoor, and other platforms, averaging 4.9 ★★★★★ ratings.
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
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
Covers the whole fintech build: architecture, ledgers and reconciliation, PCI DSS, KYC/AML, GDPR, PSD2 and Open Banking, UX that balances security against friction, plus QA, fraud testing, and monitoring. 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
Flutter
Android
Apple
React Native
TypeScript
JavaScript
ReactJs
Electron
Angular
WordPress
Webflow
FlutterFlow
Java
PHP
Node.js
Python
Laravel
Django
FastAPI
Flask
Nestjs
Feathersjs
TensorFlow
PyTorch
OpenCV
Hugging Face
KaggleOpenAI
Anthropic
OllamaClaude
Voiceflow
Vapi AI
Perplexity.Ai
Stable Diffusion
CrewAI
N8n
Langflow
Keras
LangChain
Google Colab
Rasa
Llama 4
PaLM 2
MYSQL
AmazonDynamoDB
Firebase
Firestore
Supabase
PostgreSQL
Oracle
Redis
MongoDB
Cassandra
Elasticsearch
Pinecone
Pgvector
Weaviate
AWS
Digital Ocean
Google Cloud
Twilio
Docker
Kubernetes
Azure
Mocha
JMeter
Appium
SoupUI
Jest
Maven
Test NG
Selenium
Cucumber
Postman
Cypress
Rest-Assured
TravisCI
CircleCI
Gradle
Jenkins
Github-Actions
Bitbucket-Pipelines
Gitlab CI/CD
SonarQube
Grafana
Codemagic
Terraform
Bamboo
Vercel
GitLab
GitGithub Actions
Nginx
PM2We 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.
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AI-native engineering
AI-native by practice, engineer-led by principle. We use AI-assisted tools at every step of design, development, launch and growth, and a senior engineer still owns every architecture decision, every security review and every line that reaches production.
01Design
We use AI to map requirements, user stories and workflows, and to turn them into a clickable prototype your stakeholders can test before production code is written.
Engineer-ledOur team runs discovery with you and agrees the scope before anything is built.
AI speeds up layout variations, accessibility checks and design-to-code handoff, on a shared design system in Figma.
Engineer-ledDesigners make every design decision, and every screen is built to match the approved design on every device.
We settle the architecture, data model, state management and integrations before the build starts, so the product scales without a rewrite.
Engineer-ledA senior engineer owns every architecture decision.
02Build
Our developers use Claude Code, GitHub Copilot and Cursor for scaffolding, boilerplate and repetitive patterns.
Engineer-ledSenior engineers own the logic, and a developer reviews every AI-generated change.
Code follows agreed standards and a Git Flow branching model, and AI-powered review flags issues on every commit.
Engineer-ledA second developer reviews every change before it merges.
We work under ISO 27001 and ISO 9001 certified processes, build to SOC 2-aligned controls, and add HIPAA-aligned safeguards where health data is involved.
Engineer-ledA senior engineer owns every security review. Independent security agencies run penetration tests, and we remediate their findings.
03Ship
AI generates unit tests, edge cases and regression suites from the codebase.
Engineer-ledQA engineers test the real user flows by hand before every release.
Static code analysis scans every commit, and CI/CD pipelines build, test and deploy across development, staging and production.
Engineer-ledEngineers set the quality gates the pipeline enforces and fix what the scans flag.
Alpha and beta builds go to internal and external users first, and releases roll out in phases with a rollback plan.
Engineer-ledYou get a demo build after every sprint and review it with the team.
04Grow
Crash reporting, performance monitoring and usage analytics are in place from launch day, and for mobile apps we track Google Play and App Store analytics too.
Engineer-ledOur engineers keep checking crash reports and store analytics for the life of the product, so it stays stable long after launch.
We plan in two-week sprints and prioritise new features from user feedback and analytics, not guesswork. For clients without an in-house marketing team, we also run the product growth strategy after launch.
Engineer-ledDaily stand-ups and sprint demos keep you in every decision about what ships next.
AI keeps API references and technical docs in sync with the code, and maintenance plans keep the product secure and up to date.
Engineer-ledYou get full repository access and IP ownership, and one in-house senior team stays accountable for the outcome.
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
Compliance Built In
The Credit Engine, Not Just the UI
Proven Delivery
One Team, One Build
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.
Financial products rarely run on one platform. Explore the connected fintech software our team builds.
Quick answers to the questions our clients and prospects ask most. If yours is not here, our team is one click away.
Jay NandwanaSenior Technical Business Consultant
Need advice tailored to your project?
FAQs cover the common ground. For decisions specific to your tech stack, timeline, and team, talk to Jay and the team, who have shipped what you are planning.
Or email us hello@solguruz.com
A BNPL app development company builds the software behind instalment payments: the shopper app, the merchant checkout and API, and the credit decisioning, settlement, and collections underneath. SolGuruz builds all of it, and builds it to comply with the regulation that governs consumer credit.
Cost tracks scope. A lean first version with a simple Pay-in-4 flow and an integrated decisioning provider sits at the lower end, typically $30,000 to $50,000, and can reach an early launch in 2 to 4 months. A production-grade, regulated platform with native apps, a merchant console, in-house decisioning, and full compliance runs 8 to 14 months and costs several times more, often $150,000 to $300,000 or more. The biggest driver is how much of the credit and risk engine you build versus integrate.
A lean version can launch in a few months. A full, regulated BNPL platform typically takes 8 to 12 months from concept to production. SolGuruz delivered the FlexiPe BNPL app in 8 to 10 months.
A BNPL app is regulated consumer credit. In the US that means CFPB Regulation Z consumer protections, possible state money transmitter licensing for moving funds, mandatory KYC and AML checks, and PCI-DSS for any card data. We treat compliance as an architecture input from the start and build to comply.
Both approaches are valid. Many teams integrate a third-party underwriting or decisioning provider for the scoring model and build the limits, orchestration, and repayment lifecycle around it, while others build in-house for full control. This build-versus-integrate call is one of the biggest scope and cost decisions in a BNPL project, and we help you make it early.
Yes. If you do not want to become a lender, we integrate an existing BNPL provider or a white-label credit rail into your checkout. You keep your storefront and the provider carries the credit decisioning and risk. This is faster to market than building your own BNPL platform.
Yes. We built FlexiPe, a production BNPL app for a US-based fintech in Oakland, California, delivered in 8 to 10 months on native iOS and Android with a Python backend on AWS, against CFPB Reg Z, KYC and AML, and PCI-DSS Level 1 practices. It combines retail checkout BNPL with a utility-bill instalment flow in a single product.
We build custom BNPL products with the models that define apps like Klarna, Affirm, Afterpay, Zip, Sezzle, PayPal Pay Later, and Tamara, including Pay-in-4, monthly instalment financing, card-linked BNPL, and split payments. We tailor the plan types, decisioning, and merchant model to your product rather than cloning any single app.
Guides on building BNPL and fintech products, from how BNPL works to what it costs and how to build it right.
