Give them a choice.

It's the affordable way for your customers to purchase with a clear plan for repayment and added shopping confidence.

In-person and online, FNBO enables customers to:


  • Scan QR code for instant access to product information
  • Choose payment terms and receive real-time approvals
  • Receive virtual card for instant buying power to make purchases


  • View low monthly payments in real-time
  • Choose payment terms and receive real-time approvals
  • Access instant buying power to make purchases

Reap the Benefits.

Your customers gain access to added buying power and you get paid up front - It's a win-win.

Good for your business:

Grow your sales

Increase AOV and reduce cart abandonment by breaking down larger ticket payments into smaller, more manageable installments.

Grow your brand

Expand your family of brand payment solutions with a tailored, customizable product designed to meet your unique goals & objectives.

Good for your customers:

Grow their satisfaction

Improve customers experience and loyalty with a payment solution that offers easy mobile application, quick approval and immediate access—in-person and online.

Grow their purchasing confidence

Allow customers to shop with confidence through prequalification, low interest rate options and flexible terms as they gain control in managing expenses and monthly budgets.

Partnering for the success of your business.

We understand you. We understand your business. And we are here to help your business grow.

With the financial backing benefits of a larger institution, yet the flexibility of a neighborhood business partner, we maintain the intrinsic desire and commitment to meet your needs with customized solutions unique to your specific objectives.

Why choose Buy Now Pay Later?

We recognize that one size doesn't fit all and we understand your unique business needs. We're commited to developing the bespoke BNPL program that best meets your specific goals and objectives.

From initial goal-setting and plan execution to marketing, training and implementation, expect our dedicated account team to partner with you every step of the way.

Implementation made easy.

The implementation of our customizable multi-channel solution is fully supported by our team of FNBO experts.


Trusted by leading brands.

Find yourself in good company with the growing field of brands entrusting FNBO with their payment solutions.

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