fintrous

InstaCash Buy Now Pay Later
A payment service gateway to Woocommerce webshops that allows a customer to pay in installment to cover a purchase.
From the available online offers of the InstaCash Application, we get a calculated amount based on which we can start the application process.
<h3>Installment Payment (BNPL) powered by instacash</h3>
<ul>
<li>instacash installment payment is a customizable installment solution tailored to a merchant’s brand, designed for B2C customers.</li>
<li>With installment payments, you can attract new customers and encourage repeat purchases from your existing clientele.</li>
<li>Using a prequalification process available directly on the product page, your customers can find out in just 3 minutes whether they can pay for their chosen product in installments.</li>
</ul>
Acquire new customers and encourage your existing ones to make repeat purchases!
<h3>Customer Support</h3>
Our customer support team is available daily via Messenger, email, and phone. You don’t need to handle any inquiries related to installment payments—our support team takes care of everything. We’re available every day from 9 AM to 6 PM to assist your customers with any questions they may have.
<h3>White-Label Installment Payment</h3>
The instacash installment payment solution is tailored to your business and branded to appear seamlessly in your webshop. With bank-grade, innovative credit scoring and a fully digital, uninterrupted process, it ensures a smooth experience for your customers. Additionally, a merchant-specific installment account allows your customers to track their payments with ease.
<h3>Prequalification</h3>
With prequalification initiated directly from the product page, your customers can find out in just 3 minutes if they’re eligible to pay for the chosen product in installments. This feature encourages customers to proceed with their purchase, significantly increasing the likelihood of conversion after completing the prequalification.
<h3>Integration flow</h3>
<ol>
<li>Get and enable the plugin</li>
<li>Register on Merchant portal.</li>
<li>Our colleagues will contact you.</li>
<li>They help with the necessary settings and the creation of offers.</li>
<li>When you’re ready, you’ll see the new payment method appear.</li>
</ol>

InstaCash BNPL

It's InstaCash's buy now pay later solution for Woocommerce payment.

finheroteam

Our plugin connects your store to the FinSys ecosystem, enabling customers to submit loan applications directly to participating lenders through a streamlined financing workflow.
By embedding financing into the customer journey, merchants can offer unique funding options to their customers and receive fast approvals through FinHero’s FinSys technology, which automates the underwriting process. The plugin tracks order flow with customized status codes that give merchants real-time visibility into the loan application status. Upon approval, merchants are paid in full upfront (less fees), while repayment and credit risk are managed by the lender, with no risk to the merchant.
Key Features: 
* Loan Application Integration: Automatically generates and submits loan applications from WooCommerce order data. 
* Secure Data Transmission: Captures and transmits borrower information securely via the FinSys API for compliant and reliable processing. 
* Real-Time Status Sync: Updates WooCommerce order statuses instantly when lenders approve or reject applications. 
* WooCommerce Block Compatibility: Fully compatible with modern WooCommerce Checkout and Cart Blocks.
<h3>External Services</h3>
This plugin connects to external FinHero’s FinSys API services to process financing applications. No data is sent to these services until a customer explicitly selects “FinHero Financing” as their payment method at checkout.
The plugin connects to the following domains depending on the environment selected in the settings: 
* Production: https://finsys-api.finhero.asia and https://api.finhero.asia 
* Staging: https://finsys-api-stage.finhero.asia
When Demo mode is selected, the plugin does not contact any external FinHero service. It uses an internal mock flow within WordPress so merchants can test the financing journey without live API credentials.
Service Details:
<ul>
<li>Authentication (login)
<ul>
<li>When: On checkout, when the customer places an order using FinHero financing.</li>
<li>Data sent: Merchant API credentials (Client ID and Client Secret).</li>
<li>Purpose: Obtain a JWT access token to authorize subsequent API requests.</li>
</ul>
</li>
<li>File upload (uploadFile)
<ul>
<li>When: When a customer uploads a supporting document (e.g., identity card, payslip) during the financing application.</li>
<li>Data sent: The file contents and file metadata (name, type, size).</li>
<li>Purpose: Securely transfer customer documents to the FinSys platform for underwriting.</li>
</ul>
</li>
<li>IHS submission (ihs/submission)
<ul>
<li>When: Immediately after the customer places an order using FinHero financing.</li>
<li>Data sent: Order details (product name, purchase amount, currency, merchant information).</li>
<li>Purpose: Create a financing application record (IHS) in the FinSys platform.</li>
</ul>
</li>
<li>IHS update (update/{ihs_id})
<ul>
<li>When: When the customer completes and submits the financing application form.</li>
<li>Data sent: Customer personal details (name, email, address, identification number), employment details, and income information.</li>
<li>Purpose: Finalize the loan application with the customer’s full details.</li>
</ul>
</li>
<li>IHS status transition ({ihs_id}/transitions)
<ul>
<li>When: When a WooCommerce order status changes or is cancelled.</li>
<li>Data sent: The IHS record ID and the transition action (e.g., CANCEL or AWAIT_DISBURSEMENT).</li>
<li>Purpose: Keep the financing application status synchronized with the WooCommerce order.</li>
</ul>
</li>
</ul>
Legal and Privacy:
These services are provided by FinHero. By using this plugin, you agree to their terms and privacy policies: 
* Terms of Service: https://finheroasia.com/terms-of-use 
* Privacy Policy: https://finheroasia.com/privacy-policy

Consumer Financing by FinHero

Boost conversions by offering customers innovative funding options for their purchases in their WooCommerce checkout flow.

InstaCash BNPL vs Consumer Financing by FinHero