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Embedded credit, done responsibly

Flexible payment plans, powered by regulated partners.

MALOPAY helps merchants offer installment payments for high-ticket services. We orchestrate the workflow — licensed financing partners make the credit decisions.

Built for any merchant where payment flexibility increases conversion

MALOPAY supports configurable BNPL flows for high-ticket services, retail purchases, professional services, marketplaces, and merchant platforms.

Example use cases

  • Clinics & dental
  • Car repair
  • Home improvement
  • Education & courses
  • Travel packages
  • Legal & professional services
  • Electronics & appliances
  • Marketplaces
  • B2B services
  • Subscription prepayments

Compliance-first by design

  • Financing is provided by regulated partners — never by MALOPAY.
  • Every status change, consent, and document is audited end-to-end.
  • Customers see clear repayment terms before they accept anything.
MALOPAY