Safari Gamers BNPL Platform is a flexible, credit-aware solution that enables merchants to list products, customers to purchase instantly or on credit, and admins to monitor platform-wide financial flows and commission fees. Designed for inclusivity and scalability, this BNPL system empowers customers with purchasing power while providing merchants with fast, direct payments.
- 🛍️ Merchant Product Listings — Merchants can post and manage products via a dedicated dashboard.
- 💳 Buy Now, Pay Later Agreements — Offers flexible 3, 6, or 12-month repayment plans with transparent interest rates.
- 🧠 Dynamic Credit Scoring — Combines behavioral data and external API-based scoring for real-time credit decisions.
- 🤝 Digital Contracts — Generates e-signed agreements for every deferred payment.
- 📊 Merchant Dashboard — Allows tracking of orders, repayments, and customer eligibility.
- 📱 Customer App — Enables viewing of credit limits, installment schedules, and payment history.
- 🧾 Admin Console — Provides oversight of system-wide metrics and 5% platform fee earnings.
- 💼 Direct Merchant Payments — Merchants receive funds directly from customers at checkout.
- 🏦 Platform Fee — A 5% platform fee is automatically calculated and reflected in the Admin dashboard.
- 💸 Commission-Based Earnings — Admins earn per transaction without managing pooled funds.
| Duration | Interest Rate | Description |
|---|---|---|
| 🗓️ 3 Months | 5% | Short-term, low-risk |
| 🗓️ 6 Months | 9% | Balanced repayment duration |
| 🗓️ 12 Months | 15% | Extended term, higher flexibility |
All rates are clearly presented to the customer prior to contract signing.
sequenceDiagram
participant Customer
participant Merchant
participant BNPL API
participant CreditEngine
participant Admin
Customer->>Merchant: Views and selects product
Merchant->>BNPL API: Shares product and price
Customer->>BNPL API: Requests BNPL checkout
BNPL API->>CreditEngine: Score check + limit evaluation
CreditEngine-->>BNPL API: Returns score + terms
BNPL API->>Customer: Shows eligible plans (3/6/12 months)
Customer->>BNPL API: Accepts agreement (digital contract)
BNPL API-->>Merchant: Approves transaction
Customer-->>Merchant: Pays first installment or full amount
Merchant-->>Admin: Platform takes 5% cut (logged, not held)
BNPL API-->>Admin: Updates dashboard with fee and stats
| Layer | Technology |
|---|---|
| Backend | Go (Golang) – High-performance API services |
| Frontend | ReactJS – Responsive web interfaces for merchants and admins |
| Customer App | Flutter (optional for mobile users) |
| Credit Engine | Machine Learning models, external APIs |
| Storage | PostgreSQL, Redis |
| Contracts | IPFS or cloud storage with e-signature |
| Payments | Stripe, Flutterwave, Paystack |
| Notifications | Twilio (SMS), SendGrid (Email) |
- Data Integration: Pulls behavioral and financial data via APIs.
- Eligibility Assessment: Determines installment eligibility and dynamic credit limits.
- Incentivization: Rewards responsible behavior with better rates.
- Contract Generation: Creates digital contracts with repayment schedules.
- Tracking: Monitors installments, penalties, and contract status.
- Storage: Ensures all agreements are securely stored and auditable.
- Transaction Flow: Customers pay merchants directly.
- Fee Management: 5% transaction fee charged to merchants, logged to Admin.
- Efficiency: No fund holding by the platform ensures frictionless and fast transactions.
- Inventory Management: Manage product listings and pricing.
- Customer Insights: Track customer agreement statuses.
- Financial Overview: View platform fees paid.
- Credit Monitoring: View credit usage and repayment calendar.
- Notifications: Receive updates on credit limits and payment reminders.
- Performance Tracking: Monitor payment history and credit score progression.
- Analytics: Access platform-wide sales and total earned fees.
- Configuration: Manage fee rates, scoring thresholds, and activity logs.
- Operational Efficiency: No need for fund custody or disbursement.
- Data Protection: Encrypted contract data and secure agreement signing.
- Payment Security: PCI-DSS-compliant payment integrations.
- User Authentication: Biometric and Two-Factor Authentication (2FA) options.
- Regulatory Compliance: Adheres to GDPR and CCPA standards.
- Monitoring: Real-time audit logging and rate-limiting.
- AI-Driven Fraud Detection: Implement machine learning algorithms to detect early defaults.
- NFC Integration: Enable Tap-to-BNPL via NFC for Point-of-Sale (POS) systems.
- Micro-Insurance: Offer micro-insurance options during checkout.
- Loyalty Programs: Introduce loyalty and credit-building rewards.
MIT License — LICENSE
- GitHub: github.com/safarigamers
- Email: support@safarigamers.com
- LinkedIn: Safari Gamers
“We’re not just building credit — we’re building confidence.”
Made with 💙 by Safari Gamers — Fintech Division