Why a hybrid BNPL solution can be the ideal option

When considering a Buy Now, Pay Later application, the choice seems limited to either an existing solution from major players such as Klarna, Afterpay, and Affirm, or building a tool from scratch. But you could also choose a hybrid application, such as a white-label BNPL tool, or you could build your own BNPL solution based on the architecture of a service provider with the necessary know-how.

Choosing an existing BNPL tool offers several advantages. You’re getting proven quality, you don’t have to develop anything yourself, and you don’t have to worry so much about the legal ins and outs. At the same time, there are also downsides, such as the transaction fees, the lack of branding opportunities, and the partial outsourcing of checkout data. Developing a solution from scratch offers an answer to these disadvantages, but it requires a lot of expertise, time, and knowledge of compliance and licensing issues.

White label

An interesting alternative is to offer a white-label BNPL solution, where an existing BNPL tool uses your merchant branding. So you get an existing solution that has proven its effectiveness, but you can dress it in your brand identity. This approach also means that the entire customer journey takes place within your own brand environment, and you may also retain full data ownership. So this kind of solution combines the advantages of both worlds. Nevertheless, you’re still working with a standard menu item, albeit topped with a personalised sauce.

Aptic CLVR platform

You can achieve the perfect balance by using an existing platform, within which you roll out a BNPL solution that’s fully customised to your needs. The component-based architecture of Aptic’s solution allows you to tailor it to your rules and processes. You can use the system’s flexibility and power to create unique business processes and integrations.

With your own payment solution, you’ll have more control and avoid costly fees on every purchase, providing a better user experience and achieving higher margins. A wide range of API integration options means connecting with other systems and solutions, so you can tailor the BNPL payment process to suit your customers‘ preferences. This, in turn, will positively impact sales and conversion. In addition, you get a flexible payment and credit management solution around the clock, 365 days a year. You can also scale the solution to cope with shopping pressure points like Christmas, Black Friday, etc.


Basically, you get the power of an internationally renowned platform that companies of all types have successfully implemented. The Aptic team would be delighted to assess your needs and help you tailor a solution that works for your organisation and customers. Instead of starting the design process from scratch, we put together your BNPL tool based on existing architecture, supported by a dedicated team of specialists. You’ll also benefit from our expertise in licensing and compliance.

It goes without saying that Aptic’s software platform, CLVR, offers a wide range of personalisation options, including when it comes to branding. You get a high-performance BNPL solution and own and manage all the data yourself. And Aptic’s payment solution can be used anywhere you interact with your customers: in-store, on your website, mobile devices, or on e-marketplaces.

Curious about the latest developments in the BNPL landscape and how to weigh up the various BNPL solutions? Download our guide via the button below!