BNPL Integrations

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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.


Buy Now Pay Later (aka Shop Now Pay Later)
 Care Now Pay Later
 Eat Now Pay Later
 Stay Now Pay Later
Vacation Now Pay Later
Drive Now Pay Later
Rent Now Pay Later
Build Now Pay Later
Send Now Pay Later
Used for the purchase of any physical product: home & kitchen appliances, phones, clothes, beauty products, etc
 Used for paying for healthcare needs not covered by the NHIS or some other public medical insurance.
 For buying prepared food, packaged foods, groceries, fresh produce.
 Being able to stay in any GTA-regulated hotel or guesthouse in Ghana, if you have to and not have to worry about the immediate cost.
Opportunity to go on your long-awaited restful and/or experiential personal and/or family vacation (home/abroad) without having to break the bank for it.
You get to buy and/or own a car and repay over several monthly instalments up to 60 months (extendable in some circumstances)
 Renting and paying your rent monthly as a salaried worker with regular income
 You can build on your own litigation-free unencumbered land pay by instalments
 Remittance service that allows UK residents and Ghana-resident existing customers of The TDG Ecosystem to do cross-border money transfers even if you don't have money and pay later
Reiny's Ghana, Reiny's UK, PC24 Store Ghana, PC24 Store UK, and ALL Other vendors registered with
DCANS Healthcare Ghana, DCANS Healthcare UK, Kaizer Pharma, and ALL Other service providers registered with
7G Foods, DCANS Kitchens, TDG Farms, and ALL Other service providers registered with
SG Hospitality Services, and ALL Other service providers registered with
SG Hospitality Services, and ALL Other service providers registered with
Glostar Motors, and ALL Other service providers registered with



Certain selected retailers/vendors may be sister companies, but prospective buyers may not be restricted with whichever retailer or vendor you want.




• Sales Boost:

Higher conversion rate and larger average purchase volume for online shoppers when BNPL is offered as against when just traditional credit cards or cash and carry are the only ones offered.

• No need to lock up your own capital upfront.

• Quickly Turns Window Shoppers into Buying Customers

• Better alternative than a traditional credit card or some other bank loan

• Low operational cost for our merchant partners. Our BNPL Offering includes targeted advertising that works spearheaded by TDG Media Ventures (The group's advertising and marketing platform). Guaranteed sales assured.




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
Ghana / Africa
 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 (GHS1,000 if hosting webstore elsewhere).
Up to 10% per transaction
Available if hosting with our Onboarding Partner
England & Wales (UK)
 All Permanently Employed, TDG Ecosystem Existing Customers (UK-Residents + Global)
200,000+ (Groupwide)
60m+ Households
Available (Up to 8 times your monthly sales)
FREE if already hosting webstore with Onboarding Partner (£100 if hosting webstore elsewhere).
Up to 6% per transaction
Available if hosting with our Onboarding Partner
Mainland Europe (Europe)
 Country-specific EU Permanently Employed (TDG Ecosystem Existing Customers + Global)
200,000+ (Groupwide)
350m+ Households
Available (Up to 7 times your monthly sales)
 FREE if already hosting webstore with Onboarding Partner (€200 if hosting webstore elsewhere).
Up to 8% 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