Products
© Fiskil 2026. All rights reserved.
Consumer Finance
Instant BNPL Approval
BNPL success requires instant approval decisions at checkout. Fiskil enables real-time affordability assessment using banking data to approve customers quickly while managing risk.
Traditional credit checks take too long, causing cart abandonment and lost sales.
Credit bureau checks take 30-60 seconds (too slow)
Customers abandon checkout during approval wait
Thin credit files prevent approval of creditworthy customers
No real-time affordability verification
High default rates from inadequate assessment
Approve BNPL purchases in under 1 second using pre-connected banking data and real-time affordability checks.
Verify customer can afford installments from current cash flow in real-time.
Customers connect accounts once, enabling instant future approvals.
Check current balance to ensure first installment can be paid.
Calculate appropriate spending limit based on income and expenses.
Add instant BNPL approval to your checkout flow.
Customer connects bank account during BNPL registration (one-time).
API analyzes cash flow and sets appropriate spending limit.
At checkout, purchase approved instantly if within limit and affordable.
Monitor cash flow changes and adjust limits accordingly.
Purchase approval in under 1 second using pre-analyzed banking data.
Limits adjust based on changing income and expense patterns.
Verify customer can afford installment payments alongside existing commitments.
Banking behavior patterns identify fraudulent accounts.
Ensure sufficient balance for immediate first installment payment.
Adjust fees or limits based on financial stability assessment.
A BNPL service uses banking data for instant approval and lower defaults.
Result: Approval time reduced to 0.8 seconds, conversion up 35%, default rate down 40%.
An online retailer offers BNPL with instant approval at checkout.
Result: Average order value increased 45% with BNPL option, 89% approval rate.
A retail POS system approves BNPL purchases instantly in-store.
Result: In-store BNPL conversion rate of 92% with real-time approval.
POST /bnpl/calculate-limitPOST /bnpl/approve-purchaseGET /accounts/{accountId}/payment-capabilityGET /bnpl/installment-affordabilitySpending limit
Available balance
Installment affordability
Payment capability score
Fraud risk indicators
Cash flow analysis
OAuth 2.0 / CDR consent
Yes
Approvals complete in under 1 second using pre-analyzed banking data.
Limits based on verified income, expenses, existing commitments, and disposable income.
Real affordability verification ensures customers can actually afford installments, reducing defaults by 30-50%.
Yes, limits adjust automatically based on changing financial circumstances.
Banking behavior analysis enables approval of creditworthy customers without credit history.
First registration requires connecting accounts (1-2 minutes), then all future purchases are instant.
Banking authentication proves account ownership, and behavior patterns identify fraud.
Lending
Calculate loan affordability using real cash flow data. Ensure responsible lending with automated affordability checks based on income, expenses, and existing commitments.
Consumer Finance
Verify customers can afford installment payments in real-time. Reduce payment failures and defaults by assessing true payment capability from banking data.
Consumer Finance
Calculate appropriate credit limits using real financial behavior. Set responsible limits that maximize revenue while minimizing risk with cash flow analysis.
Join hundreds of companies using Fiskil to power their consumer finance applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.