Integrating BNPL Solutions with Checkout Experiences: A Developer's Guide
DOI:
https://doi.org/10.63282/3117-5481/AIJCST-V8I4P103Keywords:
BNPL, E-Commerce, Checkout Experience, API Integration, User Experience, Payment SolutionsAbstract
Often referred to as Installment, Price, and Pay solutions, the BNPL products have shifted the paradigm of customers' interaction with online stores. Consequently, an effort to provide a comprehensive guideline to the developers on how to integrate BNPL solutions on e-commerce checkouts is the main aim of this paper. The given guide is aimed at describing how BNPL technology is effective, how its effectiveness is reflected in increasing usability, and outlining the detailed procedure for implementing BNPL. Besides, it looks at various BNPL providers and the APIs that it offers; it also covers security aspects and compliance notes. The paper concludes with a focus on the result of BNPL and the subsequent bearing of the benefits and the demerits which are likely to occur.
References
[1] A guide to building Buy Now Pay Later solutions, Edenred, online. https://eps.edenred.com/blog/guide-to-building-buy-now-pay-later-solutions
[2] Lupșa-Tătaru, D. A., Nichifor, E., Dovleac, L., Chițu, I. B., Todor, R. D., & Brătucu, G. (2023). Buy Now Pay Later—A Fad or a Reality? A Perspective on Electronic Commerce. Economies, 11(8), 218.
[3] SUNKARA, S. K. (2025). LEVERAGING AI, IoT, AND BLOCKCHAIN FOR SCALABLE DIGITAL TRANSFORMATION IN POST-HARVEST SUPPLY CHAINS: A MULTI-SECTOR APPROACH TO ENHANCING EFFICIENCY AND TRACEABILITY (Vol. 26, Issue 7, pp. 2757–2766).
[4] The Evolution of Buy Now, Pay Later in eCommerce: Part 1, 2022. Online. https://sourcetoad.com/evolution-of-buy-now-pay-later/
[5] The Evolution of Payments: A Guide to Modern Payment Solutions, 2023. online. https://www.finextra.com/blogposting/24756/the-evolution-of-payments-a-guide-to-modern-payment-solutions
[6] Best Practices for Implementing a Buy Now Pay Later (BNPL) Solution, carat.fiserv, online. https://www.carat.fiserv.com/en-us/resources/best-practices-for-implementing-buy-now-pay-later/
[7] Comparison of the Top BNPL Companies of 2023, jifiti, online. https://www.jifiti.com/comparison/
[8] Comparing B2B BNPL Providers: What to look for and Why It Matters, Ratio, online. https://www.ratiotech.com/blog/comparing-b2b-bnpl-providers
[9] The Emergence of Buy Now, Pay Later, medium, online. https://medium.com/slalom-customer-insight/the-emergence-of-buy-now-pay-later-bd6928149faf
[10] S. K. Sunkara, A. I. Ashirova, Y. Gulora, R. R. Baireddy, T. Tiwari and G. V. Sudha, "AI-Driven Big Data Analytics in Cloud Environments: Applications and Innovations," 2025 World Skills Conference on Universal Data Analytics and Sciences (WorldSUAS), Indore, India, 2025, pp. 1-6, doi: 10.1109/WorldSUAS66815.2025.11199123.
