Steps to Develop a Buy Now Pay Later (BNPL) App in 2023

5 Minutes Read
steps to develop a buy now pay later (bnpl) app in 2023

Harnil Oza

Founder and CEO

Apr 27, 2023
With the rise in the trends of E-commerce platforms and exciting deals to avail, the purchase rates have increased in the past few years. By the year 2025, the integration of technology will surpass all the levels one can think of.
App developers are working rapidly to meet the technological demands of the market. Because of the rise in purchase rates, the demand for Buy Now Pay Later apps has also been increasing rapidly since the pandemic.
As the name suggests, these apps help to pay for the purchases that you make within an extended time period. Especially like a credit card but better. Just like the demand for the app is next level, so is the app development phase to earn profits for it. Hence, app developers are being approached rapidly to help come up with apps in this niche that can generate revenue for investors.
This entire process is quite similar to the credit card system or the soft load method wherein clients can make purchases on online platforms and pay for their dues over a designated time period. This makes the checkout system child’s play for the client. If the loan or due credit is not paid on time, the bearer might have to pay extra charges for it. This article aims to highlight the details of the mobile wallet app development for a BNPL app.

Stages of the Buy Now Pay Later (BNPL) App’s Working

There are three main stages that app developers include for the accurate working of BNPL apps. These include the following:

1) The Customers

There are purchasers who will invest in your app. They are to be attracted by exciting deals, befits, and a very eye-catchy user interface. Make sure that your user interface is indicative. Without this, the entire process cab becomes boring for the user. App developers also need to ensure that the app has the right security requirements as the details shared by the customer are very private and need to be handled with extreme care.

2) E-business Platforms

The next step of the chain is the platform on which the customers will make a purchase. This is why you need to get your business verified on as many platforms as possible. Anything that is more visible to the customer sells faster. This is the reason your advertising game also needs to be powerful. You can send a notification when the E-commerce platform has any sales or new product launches which can help attract the customer to make purchases through the app. The way this is implemented is the job of the app developers.

3) Buy Now Pay Later (BNPL) Provisions

The last and final step in this chain is the people who provide the loans in order to make the purchases. This can include banks or small face chains that are willing to invest in your app. The more amount of people you have in this phase, the more flexible your payment options become. Most mobile wallet app development companies find it difficult to figure this part out which alter becomes a problem.

4 Steps to Develop a Buy Now Pay Later (BNPL) App in 2023

There are various steps involved in the mobile wallet app development process. The list below gives the details of each. It is as follows:

1) Developing a Blueprint

Have a clear picture of what you expect from this app before you take it to the app developers. Try conducting market research, talking to your potential clients, and understanding the problem statement from their point of view. You can also study your competitors to understand what they are doing better to enjoy the profit rates that they are generating. Once you have done this, sit and develop a blueprint of the app. Include the features that you think will be the most relevant and try to envision the app.

2) Approaching the Right Help

The next step in the process of mobile wallet app development is to hire app developers who might be able to help you with this process. Do not feel shy to ask for help. Also, make sure that you communicate with them in the right manner. Be clear about what you expect from this app. Show them the blueprint that you created in the last step and then after these things have been set up start working on the app. This is one of the best ways to develop a product that is satisfactory.

3) Backend and Frontend of the App

The next crucial step is determining the frontend and the backend of the app. These are the body and soul of the app. In the case of the frontend, inform your app developers to include themes are fonts that match the service that you provide. Along with this, also make sure that the app is easy to use for people of all ages and sects. You can also include localization options to target a wider set of audiences. The backend is where the interpolation of the data occurs. You need to make sure that is it safe, efficient, and quick so that your app responds to the client's needs quickly.

4) Testing and Deployment

These are the last and the most crucial steps involved in the mobile wallet app development process. Once the app has been coded, you need to check it thoroughly for any loopholes that might be present in the source code. Also, keep an eye out for the security measures that you integrate within the app. See if they are working properly. Once all of this has been verified your app is safe for public use.


With the rise in purchases from E-commerce apps, the demand for BNPL apps has increased rapidly. These apps help you to make purchases from an online platform within an extended time period to pay your bills. There are various stages that are involved in the process of mobile wallet app development which functions similarly to credit card systems. Some of these include the way you inculcate the security and payment plan in your app. Without this set in place, the entire app can fail.
Harnil Oza is the founder and CEO of Hyperlink InfoSystem, one of the leading app development companies in India, USA, UK, and around the world. Being the founder of the company, he takes care of business development activities and maintains relations with clients. His charismatic and result-driven approach has benefited the company to grow and achieve this height where the company stands right now.

Harnil Oza

Founder and CEO

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