Scaling a Global BNPL Solution Across 5 Platforms
About the Project
The client is a global BNPL payment provider whose installment solution lets shoppers split purchases into interest-free payments. Unlike most BNPL services, the product does not issue a new loan. Instead, it places a temporary hold on the shopper's existing credit limit and releases it as each installment is paid.
This model matters for two audiences at once:
- Shoppers get flexible payments without a new credit application and without affecting their credit score.
- Merchants get a frictionless checkout that lifts conversion, reduces cart abandonment, and increases average order value.
The Challenge
As the provider expanded globally, it needed its payment solution woven cleanly into a wide range of storefronts without slowing that growth. The integration had to satisfy five core requirements:
Broad platform coverage
Support WooCommerce, BigCommerce, SAP Commerce, Magento, and Shopify.
Frictionless checkout
Deliver a streamlined payment step that does not interrupt the buyer's flow.
Effortless scale
Handle rising transaction volumes without degradation.
Enterprise-grade standards
Uphold top-tier security, compliance, and performance.
Dependable experience
Give both merchants and shoppers a reliable, easy-to-use payment flow.
The Solution
Tailored to Each Platform
ZestIQ worked directly with the client's engineering leadership to design and build custom plugins for each platform. Every ecosystem carries its own architecture, API constraints, and checkout rules, so each integration was tailored to run natively while staying scalable and frictionless.
Platform-compliant build with performance tuning.
Native plugin for seamless payment integration.
Built for scalability and long-term maintainability.
A flexible, efficient integration.
Smooth transactions, scalability, and custom checkout extensions.
Shopify Deep Dive: Custom Checkout Extensions
The Shopify build went beyond a standard plugin. Using React and TypeScript, the team created several checkout extensions that extend and modify the payment form directly at checkout. These extensions let store owners:
- Modify the payment form shown at checkout.
- Control the display order of the installment payment method at checkout.
- Change the position of the payment method among the other available payment options.
- Rename the payment method to match the store's or business's needs.
White Label Support Across Every Plugin
Every plugin supports White Label functionality, so merchants can present the installment solution in their own brand style rather than a generic third-party look. Store owners can:
- Configure On-Site Messaging on store pages in a White Label style.
- Adapt the appearance of those messages to match their site design.
- Present the payment method at checkout in their own brand style.
- Adjust the name, positioning, and visual presentation of the payment method to fit each store.
Our Process
Integrating one payment solution across five different systems meant reconciling five architectures, API models, and checkout flows. The team followed a clear, repeatable process.
Client request & analysis
Map the technical needs, payment gateway interactions, and compliance requirements for each platform.
Estimation
Assess feasibility, resources, and the right stack: standardizing on PHP (Laravel and GraphQL), JavaScript, and jQuery, with React and TypeScript for Shopify.
Approval & roadmap
Align on API integrations, authentication, and the custom checkout flows for each platform.
Development & testing
Build each integration to platform strengths, then confirm stability and security with rigorous unit, integration, and end-to-end testing.
Deployment & ongoing support
Launch each plugin, then continue shipping updates, security enhancements, and new features.
Key Achievements
The plugins integrated cleanly across every target platform without compromising native behavior, and the checkout step became a smooth, intuitive experience that keeps transactions effortless, translating into tangible gains for merchants across the funnel.
Magento, WooCommerce, SAP Commerce, BigCommerce, and Shopify, each with a native plugin.
Achieved through improved efficiency, on a foundation built to scale with demand.
Years of ongoing updates, security enhancements, and new features after launch.
Every plugin ships White Label, so each merchant matches the payment experience to their brand.
A frictionless installment option at checkout turns more browsers into buyers.
Splitting payments into interest-free installments lifts basket sizes.
A smoother, more flexible checkout means fewer shoppers drop off before paying.
A reliable, on-brand payment experience keeps customers coming back.
Ongoing Platform Support
Maintenance and Compatibility
The relationship did not end at launch. For years, ZestIQ has supported the plugins it built across each eCommerce platform. That support includes:
- Technical support and help with customizations, adapting plugins to the specific requirements of each store.
- Continuous improvement of the plugins, tracking platform updates and preserving compatibility after new releases or major system upgrades.
- Maintaining compatibility with other payment methods, apps, and third-party extensions so everything works consistently, without breaking core platform functionality or conflicting with a client's customizations.
UX/UI and Functionality Improvements
The team periodically redesigns the plugins, improving functionality, simplifying setup for users, and adapting the product to current market needs. These updates keep the plugins convenient, clear, and flexible for different types of business.
Security and Product Development
Product security is a constant priority. The team regularly updates APIs, improves integrations, expands functionality, and strengthens protection in key areas. As a result, the payment products keep evolving, stay relevant, and continue to meet modern technical and business requirements.
Frequently Asked Questions
Five: Magento, WooCommerce, SAP Commerce, BigCommerce, and Shopify. Each received a custom plugin tailored to its architecture and checkout flow.
On Shopify, the team used React and TypeScript to build custom checkout extensions that modify the payment form, reorder the payment method among other options, reposition it, and rename it to fit each store.
It lets merchants present the installment payment method and On-Site Messaging in their own brand style, adjusting the name, position, appearance, and messaging to match their storefront rather than showing a generic third-party design.
Yes. ZestIQ provides multi-year support, including customizations, compatibility with platform updates and third-party apps, periodic UX/UI redesigns, and ongoing security and API improvements.
A PAYMENT CHALLENGE THAT MUST WORK Everywhere?
Have a payment product, plugin, or integration that needs to work flawlessly across multiple platforms? Let's talk about how ZestIQ can build and support it.