Frankfurt-Based Fintech Green Banana Takes Buy Now, Pay Later in Retail to the Next Level

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  • 06.05.2025 12:25 pm

Frankfurt-based fintech GreenBanana is launching its new platform  bnplx.io, taking Buy Now, Pay Later (BNPL) in retail to the next technological level. Through a  single API and smart routing, bnplx.io connects merchants and BNPL providers in more than 25  countries. The platform is designed to support small and medium-sized businesses as well as  international enterprise retailers – whether online, in-store, B2C, or B2B. It is available as a plug in for popular e-commerce systems like Shopware and WooCommerce and can be integrated  seamlessly. At the same time, bnplx.io enables BNPL providers to scale their services more  quickly and efficiently, making it a true win-win. 

“We offer merchants access to an international BNPL network with a wide range of providers,  whether they operate white-labeled or under their own brand. With bnplx.io, we’re closing a  market gap and are confident that our platform will become the next BNPL standard in retail,”  says Cihan Duezguen, Co-Founder and CEO of GreenBanana Group. “bnplx.io eliminates  dependencies, optimizes payment processes, and enables higher approval rates. Our match connect-convert approach finally makes BNPL as flexible as the market demands.” 

Today’s consumers expect more financial flexibility when shopping for electronics, fashion,  furniture, and more. Invoice purchases and installment payments are increasingly in demand. As  a result, BNPL has evolved from a nice-to-have to a key competitive advantage. Offering the right  payment options can significantly boost a merchant’s conversion rate. However, finding the right  BNPL partner – one that fits the business model and customer base – can be challenging. The  technical integration of multiple providers also creates significant overhead, especially during  international expansion.This is where bnplx.io comes in: With a single API, merchants gain  access to multiple providers and can select the ideal BNPL partner easily, flexibly, and at scale. 

Making life easier for merchants 

GreenBanana Group’s innovative API streamlines BNPL payment processes by leveraging  machine learning to route transactions in real-time to the best-suited BNPL providers across 25+  countries. Merchants can offer customers the providers that align with their business needs. If a  provider declines a transaction, the system automatically offers the shopper an alternative – ensuring a seamless customer experience and higher approval rates for merchants. 

The platform aggregates all BNPL providers via a single API and integrates smoothly with  Shopware, WooCommerce, and other systems. With its BNPL carefree package, bnplx.io offers  digital accounting (Accounting-as-a-Service) to reduce administrative workload, AI-based fraud  prevention for secure transactions, as well as monitoring and real-time analytics that enable  constant optimization. 

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