APEXX BNPL: Connect

Access multiple BNPL solutions through APEXX's one consolidated API. Offer your customers the most popular BNPL providers globally, a range of responsible financing options, and a streamlined customer experience at the point of checkout.

APEXX BNPL: Connect

Payment Page
1250.18 GDP
Credit Card
Debit Card

CONSOLIDATED CX CUSTOMISED PRESENTMENT

Merchants have enhanced control of the customer experience with the ability to consolidate all products under a single button and have full control of products presented at a transaction level

MULTI INTEGRATION METHODS

APEXX BNPL is available via server to server, hosted payment page, hosted field and client-side encryption integration methods

CREDIT CHECKS

APEXX integrates with Credit Check partners used by BNPL providers to identify and return products with high approval probability

Payment Page
1250.18 GDP
Credit Card
Debit Card

EVERGREEN MERCHANT API

APEXX insulates Merchants from the impact of rapidly evolving BNPL APIs and products by managing upgrades and maintaining an evergreen solution with zero field replication

SHOPPING CART INTEGRATION

APEXX BNPL: Connect is available to Merchants using all e-commerce platforms and shopping cart plugins integrated with the APEXX Atomic platform

Buy Now Pay Later

BNPL is a transformative but fragmented landscape for E-commerce merchants

COMPLEX FLOW OF FUNDS

Without proper orchestration, Merchants offering multiple BNPL solutions at checkout face significant integration, maintenance and operations overhead to manage 1:1 settlement and reconciliation sources

OPAQUE PERFORMANCE

Refusal rates are much higher than card declines as the underlying loan funding is not pre allocated and available as with a credit card. Worse still, Merchants get little insight on the refusal rates causing poor customer experience and undermining brand loyalty amongst refused shoppers

PROVIDER & PRODUCT REGIONALITY

The BNPL landscape comprises a handful of global players and a long tail of highly localized providers with dramatic variability in the products offered across regions and markets

FRAGMENTED DEMOGRAPHIC PREFERENCES

BNPL consumers are more product sticky than with other types of payment methods with stark differences in preferred methods between demographic groups

Buy Now Pay Later

The APEXX BNPL: Connect gives merchants the power to overcome their BNPL challenges

CONSOLIDATED EVERGREEN API

Merchants will connect to a single API with zero field replication to access all current and future BNPL propositions available on APEXX Atomic. BNPL providers are rapidly scaling and enriching their product propositions, APEXX will manage a continuous upgrade roadmap to ensure Merchants have a true evergreen connection

CUSTOMER EXPERIENCE & MERCHANT INSIGHT

With a Plug’n’Play approach to BNPL enablement, Merchants will stay abreast of rapidly evolving geographic and demographic customer preferences, with APEXX supporting presentment of a single ‘Pay Later’ option at checkout to mitigate cart abandonment. Advanced APEXX analytics will then provide Merchants with consolidated, transparent, performance reporting and allow cost and conversion comparison to ensure providers are optimised for both Merchant and Customers

SETTLEMENT & RECONCILIATION

A future iteration of our BNPL Aggregation product will allow Merchants to benefit from consolidated reconciliation files and settlement of funds

Decline Cascading & Consumer Surcharges

How does APEXX support Merchants maximize BNPL conversion whilst mitigating potential unit cost impacts

CASCADING AN ORDER AFTER INITIAL REFUSAL

Refusal rates seen on BNPL products are significantly greater than what might be expected, and accepted, for card processing, Merchants must therefore design their customer workflows to account for this inevitability. The APEXX BNPL: Connect supports Merchants by allowing a refused customer who has shown clear preference to Pay Later, to reattempt their order with a second, or third, BNPL provider and complete their purchase

CUSTOMER SURCHARGING

Refusal rates seen on BNPL products are significantly greater than what might be expected, and accepted, for card processing, Merchants must therefore design their customer workflows to account for this inevitability. The APEXX BNPL: Connect supports Merchants by allowing a refused customer who has shown clear preference to Pay Later, to reattempt their order with a second, or third, BNPL provider and complete their purchase

Localised, Simplified Payment Page

How can the APEXX BNPL: Connect erode consumer experience?

Pay Later Button

APEXX BNPL: Connect allows Merchants to embed a single ‘Pay Later’ button to drastically improve checkout and payment page design where multiple BNPL products are available to a customer

Localised Presentment

Merchants using APEXX Dynamic Hosted Payment Pages for BNPL can automate products and providers presented based on region

Customised Presentment

Product presentment may also be dictated based on transaction value, volume allocation, cost, region, time, consumer preference (based on historical data)

Cosmetics $126
Add New Payment Type
Add Credit/Debit Card
OR
Cosmetics $126
Add New Payment Type
Add Credit/Debit Card
OR

See how APEXX can help you grow your business

  • Single Integration
  • Acquirer Agnostic
  • Payment Methods