BNPL Integrations

You've got a great product or service. You know your business has massive potential, but you're struggling to get traction because of too much competition or changing economic conditions. But, what if there was a way to grow your business, win market share and, in fact, dominate in your industry -- even in uncertain times or with competition all around you?



For Businesses

Only registered businesses qualify to integrate our Buy Now Pay Later (BNPL) service into their sales cycle. Get paid upfront to sell more and faster. Our Buy Now Pay Later (BNPL) model creates a digital, fast, low-cost installment payment experience for the customers of our onboarded businesses, with a corresponding increase in sales, such that merchants agree to pay any applicable lender’s fees on behalf of their customers.

Qualified retailers / vendor partners must be registered businesses and operating. Additionally, you should also have the product and/or service available to deliver to qualify to be onboarded.

No due diligence fees are charged for existing business customers of your onboarding partners because background checks would have been done by them when you first hosted your business website(s) with them. However, fees apply for retailers/vendors hosting their webstore elsewhere (see below).

All businesses are accepted to integrate this service into their existing sales process, except those on our prohibited business list.


Online & In-Store Integrations

Aside the purchases that will come from The TDG Ecosystem Platform (which actively markets your products and services to pre-approved buyers to targeted profiles in our database via multiple channels - sms marketing, email marketing, client area only ads/stores, etc), you can also boost your own sales on your e-commerce website and/or physical store. Webstores are mandatory for this service but physical trading locations for your verified business are optional.


For Consumers / Buyers

Only Salaried Workers with verifiable regular income qualify to use this service. By extension, you need to provide your most recent three(3) months salary plus your most recent one (1) year SSNIT Statement and your Proof of ID to the retail or vendor partner you want to buy from and they will get you approved or declined with us on your behalf. Prospective buyers are only approved ones - subsequent borrowings will only be made with accompanying most recent one(1) month payslip.

No Upfront Fees required by buyers for this service. In fact, we even offer 90 days interest-free credit, depending on whether you're an existing TDG Ecosystem Customer or not.


Existing TDG Ecosystem Customers (Buyers)

If you're an existing tenant with Rent Now Pay Later Ghana, or homebuyer with Rent to Buy Ghana, or DCANS Properties and/or DCANS Mortgage Ghana, you would be able to carry your BNPL Repayment Period beyond the maximum six (6) months duration.


BNPL Variants

Almost anything that can be purchased now but payment settled later can come in various forms: Eat Now Pay Later, Care Now Pay Later, Drive Now Pay Later, etc.



To sign your business up for this service, you must meet the requirements set out above and apply via any of the following onboarding partners set out below in Ghana, the UK and Mainland Europe (depending on where your business was registered or incorporated). There is no upfront fees to be onboarded as a business and neither are any upfront fees charged to your customers.

To qualify to be added to our database to benefit from our unique BNPL Offering, you just need to host your web store with any of our onboarding partners below in your jurisdiction:


Onboarding Partner
 Targeted Prospective Buyers
Motivated TDG Ecosystem Preapproved Buyers
Potential Customers (Excluding TDG Ecosystem)
Direct Merchant Loans
Merchant Onboarding Fees
Ongoing Charges
Free E-Commerce Store Design
 All SSNIT-registered Salaried Workers, TDG Ecosystem Existing Customers (Ghana Residents + Global)
200,000+ (Groupwide)
1.5m+ SSNIT-registered Salaried Workers
Available (Up to 6 times your monthly sales)
FREE if already hosting webstore with Onboarding Partner (We currently do not onboard businesses that host their webstore outside of servers).
Up to 10% per transaction
Available if hosting with our Onboarding Partner



Platform loans are credit facilities that we provide existing retail/vendor partners with at least 3 months of active transactions with us - loans are multiples of your past sales figures. Platform loans are only provided to retail/vendor partners hosting their webstores with any of our onboarding partners.



Related Pages

Why Choose Us

• How Our Pay Later Services Compares With Others