The customer
Can afford the item over a few months, but not in one payment today.
Flexible payments
for every customer.
Grow your sales by letting customers pay in instalments—while you get the full price upfront, guaranteed.
You receive
₦100,000
GTBank
Pays ₦60,000
Why we're building this
Plenty of customers can afford it.
Just not all today.
The merchant
Needs the full price at the till. Selling on credit and waiting to be paid isn't an option, so the sale is lost.
Their bank
Has often already approved them for a salary loan. Most customers don't know, or don't think of it while paying.
At checkout
What your customer sees at checkout
Step 1
They pick their bank
Pay in instalments sits next to card and transfer. The customer picks their bank from a list. If their bank isn't on it, they go back and pay another way.
Step 2
Their bank confirms it's them
They enter the account their salary goes into, and the bank sends a code to the phone number on that account. For bigger purchases they approve in their bank app instead.
Step 3
They choose a plan
They choose 3 to 6 months and see the deposit, the monthly payment, the fee and the total in naira before they agree.
Step 4
They pay the deposit
They send the deposit from their bank app to an account number shown on screen. It confirms in a few seconds.
Step 5
You ship the order
The bank pays you and we send a webhook so you know to release the order. After that, the customer repays their bank directly.
9:41
‹Pay in instalments
Search your bank
GTBank›
Access Bank›
UBA›
Zenith Bank›
Bank not listed? Pay another way
‹Confirm it's you
0123456789
Use the account your salary is paid into.
Code sent to 080••••4417
417
Account name: A•••• O••••
Continue
‹Choose a plan
3 months4 months6 months
- Pay today
- ₦40,000
- Then 3 × ₦23,000
- monthly
- Fee
- ₦9,000
- Total
- ₦109,000
- Today₦40,000
- Month 1₦23,000
- Month 2₦23,000
- Month 3₦23,000
Accept
‹Pay deposit
Transfer exactly
₦40,000
Account number9900 412 377
BankLeemit Checkout
Expires in12:48
Waiting for transfer…
Send from the account you verified.
Order confirmed
Your bank has paid the store.
- Today₦40,000 ✓
- 15 Oct₦23,000
- 15 Nov₦23,000
- 15 Dec₦23,000
You'll repay in your bank app.
Integration
Add it like any other
payment option
- Checkout option. "Pay in instalments" next to other payment options.
- Webhook. We tell you when the bank has paid, so you know when to ship.
- Reports. A dashboard, a daily payout report and a monthly statement.
// Release the order when the bank has paid,
// not when the deposit arrives
app.post("/webhooks/product", (req, res) => {
const { type, order } = req.body;
if (type === "order.funded") {
releaseOrder(order.merchant_reference);
}
res.sendStatus(200);
});Common questions
Something missing? Apply and ask us directly.
Who can apply?
Merchants in Nigeria who sell higher-priced items like phones, electronics, appliances and furniture. We're taking a small number to start and will reply to every application.
What if a customer doesn't repay?
That's between the customer and their bank. Once the bank has paid you, the money is yours.
When do I get paid?
When the bank funds the order, on the day of the sale. We send a webhook when that happens. Ship then, not when the deposit arrives.
What does it cost?
We'll go through pricing when we speak.
How much work is the integration?
About the same as adding a payment method: a checkout option and a webhook. You also get a dashboard and payout reports.
What happens with returns?
You refund the deposit to the customer and send the bank's share back to the bank, which closes the loan. For a partial return, the refund goes to the bank and lowers what the customer owes. We keep track of both.
Apply for early access
We're onboarding a small group of merchants in Nigeria first. Tell us a bit about your business and we'll get back to you.