Enhanced with built-in serial number/IMEI validation
and card velocity checks, the system eliminates
potential fraud, fostering trust among brands and
credit partners for every Pay Later transaction.
Make every big-ticket
lifestyle purchase
an easy buy with
EMIs at checkout.
Boost your revenue potential by offering Buy Now Pay Later, making high-value products more accessible and driving repeat business.


Drive upsell growth by enabling customers to indulge in larger furniture and bigger spends.
Facilitate on-the-spot conversions with flexible repayment tenure options—from 3 to 24 months.
Offer low-cost and no-cost EMIs through credit cards and UPI for seamless payments.
Back every transaction with our robust suite of offerings.
Increase sales and boost conversions by giving customers real-time access to over 10L+ real-time EMI offers, exclusive cashback and flexible payment options—ensuring a seamless checkout experience.
Don’t lose any customers by serving walk-in shoppers without bank cards. Send a payment link to their phone making purchases quick and easy.
Boost sales by 30% with instant cashback redemption on card and UPI-based EMI transactions—no more 60-90 day delays.
Grow your customer base by offering no-cost EMIs on products up to ₹25,000, allowing customers to pay in 3 months without any extra interest.
Expand your reach with EMIs available on debit and credit cards from 25+ national and regional banks. Even non-cardholders can access EMIs instantly through our NBFC partners by opening a loan account on the spot.

Secure every transaction
with the trust of Pine Labs.
Use embedded insights and collections to optimize your lending workflows,
reduce risks and improve repayment success.

All transactions are safeguarded using the SHA-256 (Secure Hash Algorithm 256-bit) protocol, ensuring robust data security and integrity.
Dive into our blogs.
Discover what else we can
do for you.
Explore more solutions that make selling easier, payments smoother and
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