Pay later

Boost revenue with the benefits of buy now, pay later.

Unlock you customers purchasing power and help them get what they came for, no matter the cart size.

Modern blue sofa with a calendar overlay highlighting the 13th and a label saying 'Pay after check-out'.

Reduce cart abandonment

Decrease cart abandonment rates and unlock the purchasing power for hesitant customers by giving them the opertonity to make purchases they might otherwise postpone.

Instant approval

No more waiting. We offer lightning-fast automated decisions with astonishing acceptance rates, no matter the cart size.

Increased average order value

Increase order sizes as BNPL options encourage customers to add more items to their carts, knowing they can postpone payment to a later date or spread the cost over time.

BNPL up to € 200,000

Our advanced scoring models deliver up to a 50%* higher acceptance rate compared to industry incumbents, empowering businesses to facilitate more high-value transactions with confidence.

acceptance rate

lift in AOV

*Based on findings from internal studies

Illustration of a product page featuring an expensive bike, with the option to pay later—up to 14 days.

Illustration of the payment flow: a business sends a payment notification to Zaver, and Zaver instantly transfers the payment.

Illustration showing how Zaver handles all payment communications, using app notifications in this example.

Automotive

No more waiting – close deals instantly.

Zaver’s payout solution enable real-time payments, allowing for instant deal closures at the point of sale, simplifying trade-in management and enhancing cash flow. Agents can leverage Zaver to easily trade and purchase used cars directly from consumers, settle transactions with the OEM instantly, and release new vehicles within minutes.

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Traveling & Booking

From online booking to check-out

Make traveling more accessible for your customers with Buy Now, Pay Later (BNPL) options. You’re guaranteed to receive funds while having the flexibility to charge the correct amount once the tab is closed. This all happens seamlessly, without any interaction needed from the customer, allowing them to relax and focus on their experience.

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Retail

Process carts that others can't

Process transactions of any size, anywhere – in-store, online, or in the field. As far as we know, we offer the world’s first fully size-agnostic payment solutions, delivering exceptional conversion rates for both life’s smallest and largest purchases.

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Health & Wellness

Make treatments more accessible with BNPL

Unlock the power of flexible payments to make your services more accessible and attract more customers. With Zaver, you get paid instantly – ensuring steady cash flow – while your clients enjoy the freedom to access your services without the full upfront cost. Plus, with seamless pre-qualification at booking, you can easily charge the right amount after their appointment with just one click. It's effortless for you, and seamless for them.

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Let’s get into the details

All the nitty-gritty stuff you might want to know about Zaver – Pay later.

FEATURES

Channel

Omnichannel

Direct Debit

Tokenization availability

Individual credit limits

Payment guarantee

Integration

Direct integration via

Plug-and-Play or REST APIs

E-commerce platforms

Shopware, Magento, WooCommerce, XT commerce, and more.

DMS Integration

Pinewood, Sams/eDeal, Verendus

Developer’s resources

*Disclaimer: Terms may vary depending on the market.

FAQ

Got questions? We've got answers!

Help Center

How often do you make disbursements, and when will I receive the funds?

We offer tailored schedules with daily, weekly, or monthly payouts to meet your specific needs. Daily payouts are immediate, which often means the funds are available to you on the same business day – sometimes even within minutes. Our goal is to ensure you receive your funds promptly and reliably.

What measures are in place to ensure payment security?

At Zaver, we take a proactive approach to security and fraud prevention by developing tailored processes and machine learning models. While others may rely on generic AI solutions, we focus on creating customized algorithms that align with our rigorous standards for acceptance and risk assessment, supported by human expertise. Our comprehensive Know Your Customer (KYC) procedures and strict adherence to anti-money laundering (AML) regulations are integrated into these bespoke models to ensure the highest level of transaction integrity.

By employing advanced encryption methods, we protect your data during transmission and storage, minimizing the risk of unauthorized access and data breaches. This approach allows you to focus on growing your business with confidence, knowing that your security is handled with precision and care.

Furthermore, we are under the supervision of the Swedish Financial Supervisory Authority, as a Payment Institution.

What happens if a customer don't qualify for credit?

If a customer is not qualified for credit, they will be informed of their ineligibility and can be offered alternative payment options, such as paying upfront.

How do I track transactions?

You can easily track all transactions through our merchant dashboard, where you can monitor incoming payments, transaction statuses, and overall payment history.  

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If you prefer not to use our merchant portal, our API allows you to access the same transaction data directly within your own systems.

Are there any eligibility requirements for customers to use this payment method?

Yes, customers must meet certain eligibility criteria, which may include a quick credit check or pre-validation process. This helps ensure that customers can manage their installment payments effectively.

How does offering BNPL payments affect my cash flow?

Offering BNPL payments can enhance your cash flow by securing full payment immediately. We handle the ongoing collections and payment management, allowing you to focus on growing your business without the hassle of delayed payments or chasing customers.

Zaver Payments