Buy Now Pay Later (BNPL)

Give your customers more ways to pay with Buy Now Pay Later (BNPL).

Flexible and convenient, BNPL empowers end users to make immediate purchases on credit and then spread repayments over a set period in affordable instalments. Its popularity is continuing to grow among digital customers – particularly Gen Z and millennials – and its popularity shows no sign of slowing.

Help your customers mitigate the financial burden of paying for expensive items in full, whilst driving loyalty and unlocking new revenue streams for your business, with BNPL.

Product features

Instant approval

Customers pre-qualify for our BNPL solution and then benefit from near real-time access

Deferred payments

We provide the flexibility for customers to defer their payments and also split them into smaller instalments

Flexible payment terms

Prepayments and early repayment options are available to customers without any penalty charges

Seamless integration

Easy-to-use and user-intuitive solutions to enhance the user experience

Transparent pricing

Clear and straightforward pricing structures, to effectively communicate repayment terms

Who can use the

Utility Companies

Enable your customers to spread the cost of bills

Mobile Network Operators

Enable your customers to spread the cost of bills and access mobile data.

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transactions processed daily
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monthly active users
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customers scored monthly
$ 1 b+
worth of loans processed


“Ezra fully understands the lending business and worked closely with us to align their services to our business needs with ongoing tweaks and iterations to meet performance goals. The Ezra team work fluidly to adapt and accommodate technical changes as a result of nuances across both platforms, whilst also jointly assessing how we can mitigate risk and manage operational issues.”

Touch N Go

Orange Money has partnered with Ezra and Access Bank Botswana to launch Botswana’s first Nano Loan product enabling convenient access to affordable real time credit. We are very pleased at the performance and growth of N’stakolle Loan Product and as such we recommend Ezra’s expertise for similar undertakings.

Orange Money

“I am happy to provide a recommendation for Ezra. Ezra provides airtime credit service to customers of Airtel Kenya. We confirm that they discharge their obligations well and hereby recommend them as a service provider for airtime credit service.”


“Access Bank has been working with Ezra for the past five years. The mobile based Nano Loan is the first of its kind in Mozambique, allowing customers of all levels of society to access financial services. We’ve successfully performed four million transactions in the past year alone. We would recommend Ezra Services Ltd for any similar undertaking in any geography that they choose to operate in.”


Speak to our partnership team

Get in touch to learn more about our products and services.