A BNPL gateway is a technology that connects merchants to multiple financing providers through a single, streamlined integration. Unlike traditional BNPL setups that rely on a single lender, a gateway expands your reach and improves flexibility—helping you offer tailored payment solutions to more customers.

What Makes a BNPL Gateway Different?

Just like a payment gateway handles transactions between banks and cards, a BNPL gateway manages financing requests between your business and a network of lenders. This system increases approval rates, simplifies compliance, and delivers a smoother user experience. With one integration, merchants can access a range of lenders offering different terms, products, and risk profiles. The gateway dynamically matches customers with the right financing option based on criteria like purchase value, credit score, or industry. When properly set up, a lender network ensures better conversion rates and broader credit coverage. This model is particularly useful for businesses in high-variation sectors like retail, healthcare, and services—where not all customers qualify for the same lending plan.

In this section, you’ll find practical content on how BNPL gateways work, what to look for in a provider, and how they can simplify your financing funnel while giving you full control over the user experience. Browse the articles below to learn how this advanced and innovative Buy Now Pay Later technology can help you convert more customers—without the limits of a single-lender solution.