Split any purchase into 4-6 interest-free installments. AI-powered credit scoring, instant vendor payouts, and bank-grade security built for Nigeria and West Africa.
Shop at any PaySmall vendor, split your bill, and pay over time with zero interest and no hidden fees.
Browse products from trusted vendors or scan a POS code in-store. Choose what you love, when you want it.
Choose 4 or 6 installments. Our AI instantly assesses your credit and confirms your plan. No paperwork, no waiting.
Pay every 2 weeks. Each on-time payment boosts your credit score and unlocks higher spending limits.
A complete BNPL operating system designed for the scale and complexity of West African commerce.
Beautiful mobile experience for shoppers. Browse vendors, create payment plans, track installments, and build credit scores through responsible spending.
Merchant management suite with product catalogs, order tracking, sales analytics, automated settlement payouts, and complete business intelligence dashboards.
Turn any smartphone into a secure payment terminal. Vendors generate transaction codes, consumers scan and pay. AI risk scoring assesses every transaction in real time.
Enterprise-grade Push/Pull APIs for fintechs to integrate BNPL into their platforms. Partner management, revenue sharing, AI fraud engine, webhooks, and full audit trails.
PaySmall's AI engine runs autonomously across the entire ecosystem, making thousands of decisions per second to protect consumers, vendors, and partners.
Multi-signal analysis detects velocity abuse, duplicate references, amount anomalies, and device fingerprinting across all transaction types.
5-tier scoring (100-900) adjusts in real time based on payment behavior, KYC verification, account age, and repayment velocity.
4-stage escalation engine automates payment follow-ups from friendly reminders to final notices, maximizing recovery without human intervention.
Every point-of-sale transaction is scored in real time, factoring consumer history, transaction patterns, and vendor risk profiles.
Built for compliance and scale. Every layer of PaySmall is designed with financial-grade security from the ground up.
Industry-standard bcrypt with 12 salt rounds. Passwords are never stored in plaintext and are excluded from all API responses.
HSTS, X-Content-Type-Options, X-Frame-Options, CSP headers, and CORS policies protect against XSS, clickjacking, and injection attacks.
Tiered rate limits: 200 req/15min for APIs, 20 req/15min for auth, 100 req/min for partner push. Prevents brute force and DDoS attacks.
BVN and NIN identity verification for Nigerian regulatory compliance. Multi-factor verification with automated risk flagging.
Partner API keys are SHA-256 hashed at rest. Key rotation, IP whitelisting, and automatic expiration keep integrations secure.
Every transaction, API call, and admin action is logged with full audit trails. Immutable records for compliance and dispute resolution.
Download the app, verify your identity, and make your first purchase in minutes. Zero interest. Zero hassle.