How Green Banana Group’s bnplx.io platform connects merchants with BNPL providers to deliver seamless payment experiences.

How BNPL Flow Works

  1. Merchant Initiates Payment

    Merchant calls our bnplx.io API with payment details. We process and store the payment information, then build the appropriate request body for the selected BNPL provider.

  2. BNPL Provider Processing

    We call the BNPL provider with the formatted request. The provider evaluates customer creditworthiness and processes the payment.

  3. Customer Action Handling

    If the payment requires customer action (requires_customer_action state), the customer is redirected to the BNPL provider’s page to complete additional information or verification steps.

  4. Payment State Management

    Based on customer actions and provider evaluation, the payment either succeeds and moves to requires_capture state, or fails.

  5. Merchant Capture

    When payment is in requires_capture state, the merchant can capture the payment anytime through our API, which in turn captures with the BNPL provider.

Detailed Flow Sequence

Payment States in Our Platform

StateDescription
Succeededpayment has succeeded
Failedpayment has failed
Cancelledpayment has been cancelled
Processingpayment is still being processed
RequiresCustomerActionpayment is waiting on some action from the customer
RequiresMerchantActionpayment is waiting on some action from the merchant
RequiresPaymentMethodpayment is waiting to be confirmed with the payment method by the customer
RequiresConfirmationpayment has to be confirmed
RequiresCapturepayment has been authorized, waiting to be captured
PartiallyCapturedpayment has been captured partially and remaining amount cannot be captured
PartiallyCapturedAndCapturablepayment has been captured partially and the remaining amount is capturable

Why Choose Green Banana Group

For Your Customers:
  • Access to multiple BNPL providers through one integration
  • Intelligent routing to providers most likely to approve
  • Consistent experience across all providers
For Your Business:
  • Single API for all BNPL providers
  • Smart provider selection increases approval rates
  • We handle provider relationships and compliance

Our Platform Advantages

  • Smart Routing - We direct payments to the best provider for each customer
  • Provider Agnostic - Access multiple BNPL networks through one integration
  • Unified Dashboard - Manage all providers from our single interface
  • Expert Support - Our team helps optimize your BNPL strategy