Vilja BNPL

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Vilja BNPL covers the end-to-end process - from smooth onboarding, accurate scoring to real-time servicing - in one system. Our solution is designed for self-service and automation for a great customer experience, minimizing manual errors and lower TCO. Backed with speed and a high degree of configurability.

Key Features

Vilja BNPL is designed with a customizable building block architecture using microservices. The solution runs on Kubernetes to ensure scalability, resilience and the highest availability. In addition, our extensive APIs allow for flexible integrations and create customer value by enabling unique digital journeys based on insightful algorithms.

  • Support for multiple, highly customizable products
  • Possibility to add special offerings and campaigns
  • Customizable customer documents, such as loan contracts, invoices, and yearly statements.
  • Pre-integrated data warehouse solution
  • Fast application process
  • Automatic knock-out rules check
  • 3rd party data fetch of credit score
  • Instant evaluation & decisioning
  • Self-service digital loan contract signing
  • Easy product setup
  • Full ledger functionality
  • Flexible credit decision configuration
  • Dynamic data, validation and form definitions
  • Open/closed loop support
  • Complete return handling
  • Configurable invoicing principles
  • Dedicated in-store nterface

Please read product sheet for full description of features and functions.

Key Benefits

  • Experience a digital, flexible and compliant solution that is up and running in a couple of months
  • Offer your customers flexible payment options and a smooth shopping experience
  • Increase profitability by creating new revenue streams, higher conversion rate and customer retention
  • Drive and define the new wave of subscription-based financing of goods and services
  • Automatically manages the complexities of logistics-related charging, including returns and delayed shipping
  • Daily reconciliation with commissioned partners, netting payments to minimize transaction costs


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