# BNPL Integration

The Tieto E-Commerce Payment Gateway (EGW) supports seamless integration with third-party BNPL (Buy Now, Pay Later) providers, enabling merchants to offer flexible financing options to their customers without the need to manage credit logic, scoring, or settlement themselves.

EGW acts as the integration and orchestration layer, providing a consistent checkout experience and API interface, while delegating underwriting, installment plans, and financing terms to the BNPL provider.

## Integration Model

EGW integrates with BNPL providers via standardized APIs to initiate and manage the BNPL payment flow. The BNPL provider performs customer verification, credit checks, and installment plan management, while EGW handles the front-end experience and merchant integration.

| Component     | Responsibility                                                                                                     |
| ------------- | ------------------------------------------------------------------------------------------------------------------ |
| EGW           | Orchestrates checkout flow, initiates BNPL requests, captures payment response, and manages merchant notification. |
| BNPL Provider | Handles credit scoring, plan offerings, customer onboarding, financing approval, and fund disbursement.            |

## Checkout Flow

1. Customer selects BNPL at checkout via the EGW Hosted Checkout Page.
2. EGW initiates a request to the selected BNPL provider with basket details, merchant ID, and customer metadata (if available).
3. BNPL provider processes credit check and presents financing terms to the customer (within embedded iframe or redirect).
4. Customer confirms the plan and authenticates (as per BNPL provider flow).
5. EGW receives confirmation and finalizes the order.
6. Merchant receives real-time notification via EGW webhook or API.

## Security & Compliance

* EGW does not store or process customer credit data or BNPL agreement terms.
* All financing is handled by regulated BNPL entities.
* EGW is PCI DSS ready and compliant with secure API practices.

## Merchant & Business Benefits

* Fast time-to-market with plug-and-play BNPL integrations.
* Increased conversion and average order value (AOV).
* Minimal development required by merchants — EGW handles UI and backend communication.
* Future extensibility with additional BNPL partners.


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