<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/marketing-cms/m2p-blog/2026/01/blog-banner-m2ps-merchant-management-system_main_banner_2000x1000.webp" alt="M2P Merchant Management System (MMS) for Retail Merchants Credit and Lending" title="" id="5cm36vjtu" width="100%" height="253">On paper, retail merchant credit looks like a powerful growth engine. In practice, it often unfolds as a maze of forms, follow-ups, and fragmented systems that slow down everyone involved. As onboarding stretches, disbursements lag, and settlements require manual intervention, friction quietly replaces momentum. This isn’t about lack of effort or ambition, but a structural gap between the needs of modern retail ecosystems and legacy credit architectures, calling for a smarter, integrated approach.&nbsp;In this blog, we explore why traditional merchant credit models break under scale, and how platform-led architectures are rewriting that story, illustrated through a real-world example.&nbsp;<h2 class="heading-node" id="e0fe09xf7" style="text-align: left">The Backstory&nbsp;</h2>Across the Philippines, thousands of small neighborhood retailers form the backbone of daily commerce. These merchants rely on timely access to FMCG inventory from large distributors and wholesalers, making predictable credit and working capital critical to keeping their businesses running. Without seamless financial support, even high-demand retailers face operational bottlenecks that can stifle growth and limit inclusion.&nbsp;<h2 class="heading-node" id="kh5f38o89" style="text-align: left">About the Client&nbsp;</h2>A leading digital bank in the Philippines saw both the opportunity and the responsibility in supporting the retail and SME commerce ecosystem. As a prominent digital-first institution offering savings accounts, deposits, loans, insurance, and investment products, the bank set out to deepen its engagement with small and medium-sized retailers.&nbsp;The goal was straightforward: provide credit lines and savings accounts that would help merchants purchase inventory seamlessly, grow sustainably, and remain financially resilient.&nbsp;&nbsp;As adoption accelerated, the bank identified the need to evolve its operational foundations to match its ambition. Manual onboarding, fragmented credit management, and slow settlements created friction at every step, turning a growth engine into a bottleneck. This moment marked a strategic inflection point, one where advancing retail inclusion would be driven not by expanding product breadth, but by building a smarter, more integrated platform designed for scale.&nbsp;&nbsp;<h2 class="heading-node" id="180qjp5ot" style="text-align: left">Operational Bottlenecks in the Traditional Merchant Credit Model&nbsp;</h2>Conventional merchant credit models evolved around siloed systems—one for onboarding, another for lending, another for payments, and yet another for reconciliation. As transaction volumes grow, these silos create structural weaknesses:&nbsp;<ul class="list-node" id="18uz8rcuu"><li>Onboarding Inefficiencies: Manual KYC and verification processes slow down account activation and delay access to credit for merchants.&nbsp;</li></ul><ul class="list-node" id="0fu9y53bp"><li>Complex Payment and Settlement Processes: Managing pre-authorized funds and distributor account debits through manual workflows introduces operational inefficiencies and delays.&nbsp;</li></ul><ul class="list-node" id="e9t8x7cyw"><li>Limited Transaction Controls: The absence of automated capabilities for refunds, EMI options, and promotion management constrains flexibility for both merchants and the bank.&nbsp;</li></ul><ul class="list-node" id="66fatwda6"><li>Restricted Access Management: A lack of structured User Access Management (UAM) makes it difficult to support different merchant roles and hierarchies securely and efficiently.&nbsp;</li></ul><ul class="list-node" id="43wtsi3eu"><li>Dispute and Reconciliation Gaps: Without automated workflows, dispute resolution and real-time settlement management become time-consuming and error-prone.&nbsp;</li></ul><ul class="list-node" id="9wy92596l"><li>Absence of a Purpose-Built Merchant Management Platform: Reliance on a makeshift solution to manage merchants limits operational efficiency, complicates support, and slows the rollout of new products and services.&nbsp;</li></ul>What begins as an operational inconvenience eventually becomes a strategic constraint, restricting scale, innovation, and financial inclusion.&nbsp;Fixing these challenges isn’t about incremental automation. It requires a fundamental shift in how merchant credit is designed and delivered.&nbsp;<h2 class="heading-node" id="3s9kufijl" style="text-align: left">Introducing the Shift: M2P’s MMS&nbsp;</h2>To move from fragmented execution to scalable inclusion, the bank needed a unified merchant and credit platform that connects onboarding, lending, payments, settlements, and reconciliation in real time.&nbsp;This was where a unified Merchant Management System (MMS) came into play.&nbsp;Rather than stitching together point solutions, the bank adopted an integrated merchant management platform that acted as a single control layer across the merchant lifecycle, combining compliance, credit, payments, and operational governance into one cohesive system.&nbsp;<h2 class="heading-node" id="q80n2i0e9" style="text-align: left">Inside the Transformation: From Onboarding to Settlement&nbsp;</h2>By implementing M2P’s Merchant Management System (MMS) with an integrated credit management framework, the bank restructured its merchant credit journey.&nbsp;<h3 class="heading-node" id="hxvo9prny" style="text-align: left">1. Merchant Onboarding and Credit Enablement&nbsp;</h3>Automated Merchant Onboarding: Multi-level hierarchy support for onboarding merchants, sub-merchants, and distributors based on their role and credit eligibility.&nbsp;<ul class="list-node" id="9y630ymsw"><li>Onboarded both retailers and FMCG/Brand/Distributors with a different onboarding process based on the type of merchant, with their own rules and processes.&nbsp;</li></ul><ul class="list-node" id="s70bbtfzw"><li>Created bank accounts in the client's CBS for the merchants post all the regulatory checks and processes.&nbsp;</li></ul><ul class="list-node" id="w64ir0r27"><li>Powered the merchant mobile application for onboarding, payments, loan origination, settlements, etc.&nbsp;</li></ul>Loan Origination System (LOS) Integration: Seamlessly linked with the bank’s systems to perform AML checks, KYC document verification, and dedupe during account creation.&nbsp;<ul class="list-node" id="vth44r3r3"><li>Supported credit lines for retailers with multiple distributors.&nbsp;</li></ul><ul class="list-node" id="1fdui5amr"><li>Combined repayment cycle for multiple loans with different distributors, with interest free period and minimal interest rates.&nbsp;</li></ul><ul class="list-node" id="mpv9qfiht"><li>Automated repayments from retailers to distributors.&nbsp;</li></ul>User Access Management (UAM): Role-based access control for operational teams and merchants, ensuring secure access and visibility.&nbsp;<h3 class="heading-node" id="hhmnnz7c1" style="text-align: left">2. Pre-Authorization and Capture Payment Flow&nbsp;</h3>Payments:&nbsp;<ul class="list-node" id="vpggozwp0"><li>Pre-Auth Flow: Funds were blocked from the retailer’s account at the time of order placement, ensuring order security.&nbsp;</li></ul><ul class="list-node" id="nyro6hda0"><li>Capture on Delivery: Funds were debited only upon successful delivery of goods, reducing disputes and increasing trust.&nbsp;</li></ul>Settlements:&nbsp;<ul class="list-node" id="yinnu5udc"><li>Timely Automated Settlements: Ensured efficient fund disbursements with reduced manual intervention.&nbsp;</li></ul><ul class="list-node" id="0nwou9o84"><li>Refund Management: Allowed instant refunds in case of failed transactions or order cancellations.&nbsp;</li></ul>Dispute Management:&nbsp;<ul class="list-node" id="md3b9xw0d"><li>Dispute Resolution: Dedicated dispute management tools for quick issue resolution between retailers and wholesalers.&nbsp;</li></ul>Merchant Dashboard and Reporting:&nbsp;<ul class="list-node" id="l2ktri77t"><li>Integrated Merchant App: Powered Bank's merchant app end-to-end with real-time transaction tracking, settlement updates, and dispute resolutions.&nbsp;</li></ul><ul class="list-node" id="fn0ow23tz"><li>Advanced Analytics and Reporting: Enabled data-driven decision-making with insights into retailer performance, credit utilization, and payment trends right on the merchant and operations dashboard of M2P MMS.&nbsp;</li></ul><h3 class="heading-node" id="d4eafeelo" style="text-align: left">3. Reconciliation and Compliance &nbsp;</h3>End-to-End Reconciliation: Automated tracking of payment statuses, blocked funds, and settlements minimized errors.&nbsp;Regulatory Compliance: AML and KYC verification ensured compliance with banking regulations.&nbsp;<h2 class="heading-node" id="tc2gy1a5a" style="text-align: left">Outcome Achieved: From Friction to Flow&nbsp;</h2>The transformation delivered tangible, business-critical results:&nbsp;<ul class="list-node" id="ps6m8xxll"><li>80% faster merchant onboarding, accelerating activation and revenue realization&nbsp;</li></ul><ul class="list-node" id="t1muszesz"><li>60% improvement in operational efficiency, driven by automation across settlements and reconciliation&nbsp;</li></ul><ul class="list-node" id="kynf07dwe"><li>Stronger merchant engagement, enabled by real-time tracking, promotions, and dispute resolution&nbsp;</li></ul><ul class="list-node" id="545vtpkcj"><li>Reduced settlement delays and disputes, reinforcing trust across the ecosystem&nbsp;</li></ul><h2 class="heading-node" id="849cisj8a" style="text-align: left">Next Steps: Scaling the Ecosystem&nbsp;</h2>M2P’s Merchant Management System transformed the bank’s SME credit offering by integrating onboarding, payments, and lifecycle management into a seamless, unified process. By implementing a pre-authorization and capture model, the platform ensured that transactions remained secure and reliable, while automated settlements, User Access Management (UAM), dispute resolution, EMIs, and promotions enhanced operational efficiency and strengthened trust across the retail ecosystem.&nbsp;With these foundational capabilities in place, the bank is now positioned to expand its offerings further, extending credit cards to retailers, enhancing BNPL programs with targeted promotions, and reinforcing onboarding, credit, and transaction risk management through advanced fraud and risk modules. This platform-led approach sets the stage for scalable growth, deeper financial inclusion, and a more resilient merchant ecosystem.&nbsp;<h2 class="heading-node" id="4tdtmu61o" style="text-align: left">Looking Ahead&nbsp;</h2>For banks looking to modernize merchant-led credit ecosystems, platform-driven solutions like M2P’s Merchant Management System provide a proven blueprint for scale, operational efficiency, and long-term impact. By unifying credit, payments, compliance, and lifecycle management into a single platform, banks can move beyond fragmented systems to deliver seamless experiences for merchants and customers alike.&nbsp;Discover how your institution can unlock growth and inclusion. <a class="link" href="https://m2pfintech.com/contact-us/?activeKey=1#utm_source=Blog&amp;utm_medium=MMS&amp;utm_campaign=case+study+2" target="">Schedule a demo today!&nbsp;</a>Follow us on&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a>&nbsp;and&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a>&nbsp;for insightful fintech bytes curated for curious minds like you.

How M2P’s MMS Transformed Merchant Credit for a Leading Digital Bank: A Case Study

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/marketing-cms/m2p-blog/2025/12/case_study_blog_v2_1.webp" alt="Merchant Management System (MMS), Buy Now Pay Later (BNPL)" title="" id="vxb968o1h" width="100%" height="253">BNPL adoption is accelerating globally but scaling it successfully is a far more complex challenge. It demands real-time payment rails, streamlined merchant hierarchies, and robust systems that can handle compliance and high-volume settlements. Legacy technology stacks are not built to meet these demands.This is where one of Mauritius’s leading NBFI encountered a critical bottleneck. Burdened by manual processes and inflexible infrastructure, their systems were not equipped to support the speed and agility required by today’s BNPL landscape.<ul class="list-node" id="f8s09caj5"><li>Scalability at a Standstill: Reliance on legacy systems slowed everything down, from onboarding new programs, responding to market shifts, to even pushing simple configuration updates hindering scalability and efficiency, preventing rapid market adaptation.</li><li>Merchant Management Delays: Every merchant onboarding, payout, and commission settlements required human intervention. Small delays grew into recurring operational delays.</li><li>Operational Roadblocks: Managing complex, multi-level merchant hierarchies and dealing with frequent reconciliation gaps led to disputes and protracted settlement times, eroding merchant satisfaction.</li></ul>Despite a strong market position, these bottlenecks stalled BNPL adoption and eroded customer and merchant confidence. So, the question became simple: How do you rebuild the core so the business can grow without barriers? That’s where M2P stepped in.We supported them with our <a class="link" href="https://m2pfintech.com/merchant-acquiring-solutions/" target="">Merchant Acquiring Solutions</a> to transform their operations and scale rapidly.At the center of this transformation was M2P’s <a class="link" href="https://m2pfintech.com/blog/everything-you-need-to-know-about-merchant-management-system/" target="">Merchant Management System (MMS)</a>, a purpose-built platform for BNPL and Consumer Finance that delivers automation, scalability, and real-time visibility. Combined with integrated solutions like Loan Management System (LMS), Loan Origination System (LOS), and advanced reconciliation tools, our MMS helped the client achieve operational excellence and expand into new markets, including Africa.&nbsp;Before diving deeper into the solution, here’s a snapshot of the client’s business and operational details.<h2 class="heading-node" id="a11892o1o">About the Client</h2>The client is a leading Non-Banking Financial Institution (NBFI) in Mauritius with over 1,000 employees, serving individuals, SMEs, and corporates across multiple geographies.&nbsp;Their core offerings include<ul class="list-node" id="q0js6wbt3"><li>Consumer Credit (Consumer durable loans, Personal Loans, Revolving Credit)</li><li>Leasing</li><li>Cards and Payments</li><li>Insurance Factoring</li><li>SME Financing</li></ul>Operational ScaleThe client has partnership with 2K+ merchants across retail, automotive, and electronics sectors in Mauritius for consumer durable loans, leasing, and payments.Provides loans to individuals in the loan range of 5K–100K MUR with a portfolio value of more than 20Bn+ MUR.This scale demanded operational excellence. Here’s how M2P made it happen.<h2 class="heading-node" id="44lgcd14s">How M2P Transformed Operational Bottlenecks?&nbsp;</h2>The client needed more than a system upgrade, they needed a way to run merchant operations without complexities, errors, or manual effort.M2P implemented its Merchant Acquiring Solutions suite to rebuild their processes end-to-end and give the business the agility their legacy systems could never support.Here’s how the transformation unfolded.<h3 class="heading-node" id="acosluqcr">Merchant Onboarding</h3><ul class="list-node" id="29iddib0s"><li>Support for multi-level hierarchies to onboard merchants and sub-merchants efficiently, enabling structured processes.</li><li>User access management designed for diverse roles and permissions across operational and merchant dashboards.</li><li>Dashboard for merchants for DIY onboarding and comprehensive business management.</li></ul><h3 class="heading-node" id="ga2hw3z4g">Payments and Transactions&nbsp;</h3><ul class="list-node" id="tsszdsrbm"><li>Integrated easy payment methods, including QR code payments (Static &amp; Dynamic), payment links, and online merchant integrations.</li><li>Real-time processing of payments and refunds, with settlement files generated for seamless reconciliation.</li><li>Comprehensive dispute management tools to resolve merchant issues effectively.</li></ul><h3 class="heading-node" id="wgb8lob9x">Automated Settlement Cycles &amp; Invoice Management</h3><ul class="list-node" id="rr77q4zy8"><li>Fully automated settlement cycles ensure timely payouts with minimal manual intervention.</li><li>Transparent invoice generation for merchants with detailed transaction reporting.</li></ul><h3 class="heading-node" id="4kx4bao8u">EMI Plans &amp; Promotions&nbsp;</h3><ul class="list-node" id="6ghdqhzbh"><li>EMI Plans enabled both platform-level standardization &amp; merchant-specific EMI customization, with support for dynamic downpayments.</li><li>Seamless promotion setup allowed merchants to effortlessly configure discounts and offers like delayed repayment, advance EMI, and interest-free EMI options.</li></ul><h3 class="heading-node" id="45plyqsam">Merchant Dashboard &amp; Reporting&nbsp;</h3><ul class="list-node" id="8o2z2vuzd"><li>Intuitive dashboards for real-time visibility of transactions, settlements, and disputes.</li><li>Advanced reporting for performance analysis, promotion management, and payment trend tracking.</li></ul><h3 class="heading-node" id="tekzv8tzf">Reconciliation&nbsp;</h3><ul class="list-node" id="kb3jx6686"><li>Comprehensive Accounting Module along with provision for manual journal entries with an intuitive interface for easy interpretation.</li><li>End-to-end reconciliation tools to minimize errors and disputes while ensuring regulatory compliance.</li><li>Simplified workflows for tracking payment statuses and addressing reconciliation gaps.</li></ul>From automation to accuracy, here’s what the client achieved.<h3 class="heading-node" id="hxjn9oasw">Results and Impact&nbsp;</h3><ul class="list-node" id="7nwma09pu"><li>Reduced merchant onboarding time by ~ 90%</li><li>Improved merchant satisfaction and retention rates (e.g. automated settlements with different types of commissions deducted at source)</li><li>Operational efficiencies by nearly 60% (e.g., reduction in manual errors or time spent on reconciliation)</li><li>Opened new line of business in Buy Now Pay later category targeting customers in the age group of 18 to 30</li></ul><h2 class="heading-node" id="l0v6nucpn">Conclusion</h2>M2P’s Merchant Acquiring Solutions transformed the client’s operations by automating manual processes, enhancing merchant satisfaction, and enabling seamless scalability into new markets like Africa. Key benefits included faster onboarding, transparent settlements, reach out to new age eCom merchants and end-to-end reconciliation, positioning the client as a leader in BNPL and Consumer Finance.&nbsp;Ready to transform your merchant operations and tap into BNPL growth?<a class="link" href="https://m2pfintech.com/contact-us/?activeKey=1&amp;utm_source=Merchant%20Management%20System&amp;utm_medium=Blog&amp;utm_campaign=CTA" target="">Schedule a demo</a> with us.Follow us on&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a>&nbsp;and&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a>&nbsp;for insightful fintech bytes curated for curious minds like you.

How M2P Transformed Merchant Operations for a Leading NBFI in Mauritius?

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/11/BNPL-Issuer-Th.webp" alt="M2P Fintech" title="" width="100%" height="296">The global ecommerce payments industry is constantly evolving to adapt to the ever-changing needs of the customer. With the pandemic fueling digital commerce, flexible payment options have become an element of convenience in online shopping. What started with basic debit/credit card payments now includes internet banking, e-wallets, Buy Now Pay Later (BNPL), EMI, and more. Among these, <a class="link" href="https://m2pfintech.com/blog/factors-and-psychology-behind-the-great-bnpl-allure/" target="_blank" rel="noopener">BNPL</a> is one of the most popular payment choices as it enhances the customers’ purchasing power.<h2 class="heading-node" id="vhq15h9fq">BNPL Footprint in India</h2>India is a budget-driven country, and BNPL is where financial inclusion meets budgeting. The country’s association with <a class="link" href="https://m2pfintech.com/blog/bnpl-the-rising-fintech-star/" target="_blank" rel="noopener">BNPL</a> has been on an upward trajectory since 2021, owing to the rising adoption of ecommerce platforms among the country’s large youth demographic. Currently, India has around 20–25 million BNPL users, and it is likely to reach 100 million by 2026, given the magnitude of its demand and inclusivity.&nbsp;<h2 class="heading-node" id="8dowitkj2">Challenges for BNPL Issuers</h2>In recent years, competition in the BNPL space has intensified, with incumbents going beyond their horizons to develop new, sustainable business models and traditional payments companies deploying their own models to stay relevant in the market. This not only unlocked the purchasing power and helped customers manage their finances by accessing affordable and low-cost credit, but also expanded the market for BNPL products. On the other hand, the vying put significant pressure on the <a class="link" href="https://m2pfintech.com/blog/six-profitable-bnpl-business-models-to-unlock-infinite-value/" target="_blank" rel="noopener">BNPL</a> companies to scale quickly. The role of BNPL lenders does not stop with just issuing credit lines to consumers. They ought to partner with fitting merchants and large aggregators to offer appropriate payment plans, empowering smooth transactions and superior customer experience. Let’s look at the challenges that every <a class="link" href="https://m2pfintech.com/blog/how-can-lenders-overcome-challenges-in-deploying-bnpl-solutions/" target="_blank" rel="noopener">BNPL</a> issuer must manage/address immediately.<ul class="list-node" id="8qvy9xw6r"><li>Onboarding of multiple merchants and aggregators</li><li>Customizing solutions for each merchant based on ticket size and lending rules</li><li>Managing end-to-end transactions such as billing, settlements, and refunds</li><li>Understanding the payment flow to increase the success rate</li><li>Handling schemes, promotions, and subventions</li><li>Analyzing and managing risks</li><li>Integrating multiple stakeholders to enable a number of checkout options</li></ul>Partnering and working with a fintech that has a deep understanding of the market can help BNPL issuers set up the right mix of merchants and aggregators, which is the key to make BNPL work at checkout.Keeping this in mind, we at <a class="link" href="https://m2pfintech.com/buy-now-pay-later/" target="_blank" rel="noopener">M2P</a> built a robust Merchant Acquiring &amp; Payment Processing Platform. The platform is an exemplification of features that help improve checkout financing, boost merchant experience, promote sustainable growth, and amplify the acceptance rate of BNPL at checkout.<h2 class="heading-node" id="ub1c3819a">Merchant Acquiring &amp; Payments Platform</h2>Our Merchant Acquiring &amp; Payments platform comes integrated with our BNPL stack that allows issuers to onboard merchants (online or offline) and payment aggregators instantly and integrate on checkout flow to go live in minutes. The platform is designed to scale with the best payment flows for higher customer acceptance and to support end-to-end checkout experience for all types of BNPL products like checkout EMIs and one-click payments. In addition, it offers complete transparency and control to the issuers in the merchant acquiring and payment processes.&nbsp;Thus, creating a win-win situation for all.&nbsp; Here is a quick overview of what our platform can do.<ol class="list-node" id="hj8oxq8fg"><li>Frictionless and Instant Onboarding: The platform enables automated DIY onboarding with built-in validations and operations that comply with the maker-checker workflows to establish frictionless, real-time onboarding. It facilitates instant DIY and assists onboarding for all types of merchants (online or offline) and Payment Aggregators. This allows merchants across geographies to do business on a single platform.</li><li>&nbsp;Supports all credit products: The platform supports all credit products on merchant checkout, like low-ticket convenience spends and EMI. This creates a robust interoperable shopping environment that renders flexible and smooth checkout experience, thereby augmenting customer loyalty, resulting in lesser cart abandonment, improved average order value (AOV) and transaction size, and increased sales. Such interoperability will significantly increase profits by creating new revenue channels for all parties involved. &nbsp;</li><li>&nbsp;Easy developer integration: Developer friendly <a class="link" href="https://m2pfintech.com/blog/api-the-power-that-drives-new-age-banking-ecosystems/" target="_blank" rel="noopener">APIs</a>, SDKs and plugins with a dedicated test environment to ensure merchants go live in minutes with minimal development effort. &nbsp;</li><li>&nbsp;Feature packed merchant dashboard: The platform empowers merchants to manage transactions, refunds, settlements, reconciliations, disputes, and much more from one single dashboard. This substantially improves operational efficiency and supports easy reconciliation.&nbsp;</li><li>&nbsp;Secure &amp; Compliant: The platform is <a class="link" href="https://m2pfintech.com/blog/pci-dss-a-quick-guide-to-its-levels/" target="_blank" rel="noopener">PCI DSS</a> Level 1 Compliant and regular internal security audits are carried out to ensure that the systems are compliant, and data is safe. It has an in-built fraud and risk management module to protect your business and customers from fraudulent activities.&nbsp;</li><li>&nbsp;Reduces cost and time: Traditionally, reports are manually generated, involving extensive manpower, time, effort, and money. Our platform’s automated billing, settlement reports, and reconciliation reports will reduce the operational cost and time consumed in monitoring and generating the reports. In addition, it also radically reduces the cost and a resource drain entailed in integrating payment methods into a merchant’s checkout. &nbsp;</li></ol><h2 class="heading-node" id="lat8t529s">What differentiates M2P's BNPL solution from others?</h2>Our BNPL stack comes with an in-built Merchant Acquiring &amp; Payment Processing system. It is a meld of seamless onboarding and merchant management system, integrated payments, refund processing, and risk governance. It facilitates multiple merchant or payment aggregator onboarding, merchant KYC, approval, and bank account addition workflow to assist in settlement and reconciliation. In addition, it enables merchants to run campaigns, cashback and rewards integrations for each transaction, dispute management and refunds management, and merchant plug-ins. Our transaction risk management runs a dynamic MCC/MID check for each transaction, limit management per merchant, and velocity checks for transactions. It also provides a comprehensive fund settlement and report module to generate T+1 settlement with merchants and detailed MIS reports and analytics based on the user behavior. In retrospect, with only 4% of the total population opting the pay later option, India's BNPL journey has a long way to go. Nevertheless, given the flexibility and inclusivity, the sector is steadily gaining ground in the country's financial ecosystem. It gives merchants of all sizes a chance to expand their customer bases to increase their average order values and sales. Want to be a market leader in BNPL? Write to us at <a class="link" href="mailto:business@m2pfintech.com">business@m2pfintech.com</a><a class="link" href="https://m2pfintech.com/newsletter/" target="_blank" rel="noopener">Subscribe</a> to our newsletter and get the latest fintech news, views, and insights directly to your inbox. &nbsp; Follow us on <a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a> and <a class="link" href="https://twitter.com/m2pfintech">Twitter</a> for insightful fintech tales curated for curious minds like you.

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