Buy Now Pay Later (BNPL) is a new method of payment that allows the Merchant's customers to pay for their purchases in installments without the need for a credit card. In this case, the total amount of the purchase is settled to the Merchant in two business days.
End User BNPL Operation
- Select the option Buy Now Pay Later
- Redirect to BNPL supplier flow
- End User Authentication
- Risk evaluation and credit approval
- Flow Redirection to Hola Cash
- Payment Confirmation
Hola Cash's Checkout Widget displays all available payment methods: Cards, Transfers, Store Payments and now Buy Now Pay Later (BNPL). End user selects option Buy Now Pay Later (BNPL)
The user is redirected to BNPL to complete registration. At this moment the available option is Aplazo.
Once the user has registered and uploaded their ID, they are authenticated by the BNPL Provider.
The BNPL Provider first evaluates any risks regarding the user and approves or rejects the credit.
Once the credit has been evaluated, the user will be redirected back to the Hola Cash Checkout Widget for payment confirmation.
Once the user confirms their payment, the Checkout Widget will show a successful payment notification.
Configure BNPL with One Click
- Login to the hola.cash portal with your credentials.
- Inside the Configuration menu, select the "Payment methods" option
- The BNPL Provider, Aplazo is selected by default. Enable the BNPL Providers of your preference.
- Now, the BNPL option should be visible for users on the Hola Cash Checkout Widget.
Inquiry BNPL Transactions BNPL on Cash Portal
- Transactions section inside the Cash Portal inquiry BNPL transaction
- Select BNPL transactions to validate the transaction detail
Hide BNPL Option for Hola Cash Widget Checkout
- Once inside the Checkout Widget, initialize for BNPL. Use the option hide: “true” and the provider: "Aplazo" to hide BNPL option for a specific provider:
BNPL Fees inside the Cash Portal
- Fees Section inside the Cash Portal displays BNPL fees for each available Provider:
Hide BNPL Option for Hola Cash Checkout Widget
- Enable Magneto plugin (link)
- Enable Woocommerce plugin (link)
- Configure BNPL with One-Click inside the Cash Portal.
- Widget Configuration on Cash Portal. Enable Widget view on Inline mode
- The Hola Cash plugin for Magento & Woocommerce automatically displays the BNPL option as an available payment method for your user.
BNPL Integration on Hola Cash API
- Use the following account numbers:
Testing Aplazo Account:
- Successful Number: 18370951371 OTP 1111
- Non successful Number: 18674295201
Testing Aplazo Account:
- Successful Number: 55-5437-3602 OTP 1234
- Creates a charge (link). Charge with BNPL. Request & Response Sample
- Cargo con BNPL (Buy Now Pay Later) - Aplazo.
- Webhooks BNPL (link)