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ZOOD Tech is the BNPL As-A-Service Hub of Mastercard that provides an end-to-end BNPL technology solution, allowing banks, fintechs and retailers to launch their own BNPL platforms with ease and speed.

ZOOD Tech: BNPL As-A-Service Platform

Digital Onboarding

Seamless digital onboarding featuring KYC & AML checks with proactive fraud prevention ensuring compliance.

Loan Management

Complete loan lifecycle management from loan origination to recovery ensuring efficiency & scale.

Credit Scoring Engine

Delivering real-time credit decisions powered by multi-model transactional & behavioral risk scorecards.

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Product Configuration & Design

Tailored BNPL solutions to fit institutional requirements, for product, channel or customer types.

Application White-labeling

Launch white-labeled Android or iOS application with complete BNPL infrastructure and functionalities.

BNPL Card Issuance & Processing

End-to-end BNPL card issuance & processing through Mastercard PTS, enabling scale & adoption.


With a focus to acquire more customers and drive credit adoption, BNPL presents itself as a remarkable opportunity to leverage acquisition and credit underwriting at scale through an end-to-end, plug & play white-label BNPL solution.

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Lender & Bin Sponsor

Responsible for balance sheet ownership & risk. Issuance of virtual card.


Network and Project Manager

Responsible for orchestrating all parties and enablement of instore BNPL


BNPL Tech & Ops Provider

Responsible for customer onboarding, credit scoring and loan management platform.

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responsible for card issuer processing via partnership of ZOOD with Mastercard PTS

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responsible for accepting BNPL transactions coming through their channel

Key Benefits



Benefit from an economically efficient multi-channel distribution system which helps reduce operational costs.

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Reduced CAC & increased Monetization

Acquire customers without heavy investment and open new avenues for revenue generation.

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Robust Credit Assessment

With our proprietary risk management tools, minimize non-performing debt while ensuring sustainable, cost-conscious loan origination and financially sound lending operations.

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Upsell & Cross-Sell Opportunities

Explore opportunities to cross-sell and up-sell other banking products to consumers and SMEs, including liability-side and bank assurance products.

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Compliance with Local Regulations

Keeping up with varying local regulations can be daunting. Our platform is tailored to ensure compliance, so the bank maintains a strong standing with regulatory bodies.

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Enhanced Customer Stickiness & Scalability

Deliver a seamless user experience via a fully digital and integrated platform, enabling the bank to retain customers and scale efficiently. 

Send us an email, and our account managers will get in touch with you!

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