Binoova Merchant BNPL lets any seller offer pay-small-small instalment plans — for electronics, furniture, motorbikes, appliances, or any product. Automated mobile money collections, buyer scoring, and real-time dashboards for both seller and buyer.
The pay-small-small model already exists informally everywhere. Binoova makes it automated, trackable and professional.
A phone that costs $200. A fridge that costs $400. A motorbike that costs $800. Your customers want them — but not everyone has the full amount on day one.
The solution already exists culturally: pay small small. A little now, a little each month. But without a system, merchants lose track, buyers dispute amounts, and trust breaks down.
Binoova puts a professional, automated system behind the arrangement both parties already want to make.
"Binoova turns a handshake deal into a professionally managed instalment plan — without either party needing a bank account."
Set up an instalment deal in minutes. Binoova handles everything from there.
Log into your Binoova merchant dashboard. Enter the product, total price, deposit amount, repayment schedule and any default fee.
You share a link with the buyer. They create a Binoova buyer account, review the terms and accept. Both parties see the same schedule.
The buyer links their Orange Money or MTN MoMo. They authorise auto-debit for instalment dates. No bank account needed.
On each due date, mobile money charges the buyer automatically. Funds go directly to your merchant account — never to Binoova. Both get SMS.
On-time payments build the buyer's score. Good scores open doors to better deals. Missed payments are flagged immediately — with alerts to both parties.
Complete transparency. Binoova never appears in the money chain — funds go from buyer directly to you.
Pays via mobile money
Processes payment
Funds remit directly
Binoova never holds, processes or touches your money. We provide software — you keep 100% of your sales proceeds.
Any product or service that benefits from instalment payments — Binoova handles the collection.
Smartphones, laptops, TVs, sound systems
Sofas, beds, dining sets, wardrobes
Motorcycles, tricycles, bicycles
Fridges, washing machines, generators, fans
High-value clothing, shoes, accessories
Cement, roofing, tiles, fittings
Any product with a price your customers appreciate paying over time — Binoova BNPL is the tool.
One flat subscription. All features included. No per-deal commissions charged by Binoova.
One flat annual subscription. Binoova charges no commission per deal — ever.
14-day free trial — no card required
Need 500+ buyers? Contact us for Enterprise pricing.
Stop losing sales to buyers who can't pay upfront. Set up your merchant BNPL account today and start closing more deals tomorrow.
No credit card required. 14-day free trial. Go live in 24 hours.
