Solutions for Fintech & BNPL

Instant Credit Scoring API for Fintech & BNPL

High-performance solvency analysis for instant credit approval. Optimized solution for Buy Now Pay Later providers.

Buy Now Pay Later Challenges

The Challenge: Instant Decision

In BNPL, user experience depends on speed. A customer at checkout cannot wait: any latency is a lost opportunity.

  • •Cart abandonment if decision > 3 seconds
  • •Intense competitive pressure
  • •High transaction volumes to handle
  • •Infrastructure costs if API is slow

The Risk: Bad Debt & Fraud

BNPL fintechs face structurally higher default rates than traditional credit.Scoring quality is critical.

According to a KPMG 2024 study: The average BNPL default rate in Europe ranges between 4% and 8%, compared to 2-3% for traditional revolving credit.

A scoring error costs: credit amount + collection costs + deteriorating operating margin.

API Performance: Optimized Architecture

High Performance Architecture

Our API is designed for optimal response times, tailored to BNPL and fintech needs.

  • Edge computing infrastructure: Data distributed closest to your users
  • Intelligent caching: Optimized responses for frequent queries
  • Algorithm optimization: High-performance ML models without compromising accuracy
  • Automatic horizontal scaling: Handles traffic spikes (Black Friday, sales)

Availability & Reliability

A scoring API must be always available. Every minute of downtime = direct revenue loss.

99.9%guaranteed uptime (SLA)

Less than 44 minutes of downtime per month

  • Multi-zone geographical redundancy
  • 24/7 monitoring with proactive alerts
  • Automatic failover in case of incident
  • Dedicated technical support for fintechs
Scheduled Launch

RocketFin API: Available in June 2026

Our credit scoring API for Fintech and BNPL will be launched in June 2026. In the meantime, you can already test our scoring solution via the web interface and prepare your integration.

Ready to Optimize Your BNPL Credit Scoring?

Test our scoring solution for free. No commitment. No credit card required.

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