How BNPL Flow Works
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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.
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BNPL Provider Processing
We call the BNPL provider with the formatted request. The provider evaluates customer creditworthiness and processes the payment.
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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.
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Payment State Management
Based on customer actions and provider evaluation, the payment either succeeds and moves to requires_capture state, or fails.
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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
| State | Description | |
|---|---|---|
| Succeeded | payment has succeeded | |
| Failed | payment has failed | |
| Cancelled | payment has been cancelled | |
| Processing | payment is still being processed | |
| RequiresCustomerAction | payment is waiting on some action from the customer | |
| RequiresMerchantAction | payment is waiting on some action from the merchant | |
| RequiresPaymentMethod | payment is waiting to be confirmed with the payment method by the customer | |
| RequiresConfirmation | payment has to be confirmed | |
| RequiresCapture | payment has been authorized, waiting to be captured | |
| PartiallyCaptured | payment has been captured partially and remaining amount cannot be captured | |
| PartiallyCapturedAndCapturable | payment 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
- 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