TGS PayLater
Installment and Buy Now, Pay Later platform for merchants
Overview
TGS PayLater is an installment (BNPL) engine for merchants. Shoppers split purchases into installments, merchants get paid up front, and the platform handles schedules, auto-debits, late fees and risk scoring. Ships with a merchant API and checkout widget. Built for merchants and payment providers offering installment plans at checkout.
Key Features
- ✓Flexible installment plans: 3, 6, 12 and custom tenures
- ✓Automatic installment collection and retry logic
- ✓Merchant checkout plugin and REST API
- ✓Credit scoring and per-user limits
- ✓Late fee, penalty and grace period rules
- ✓Detailed collection and default reports
Tech Stack
Laravel 11PHP 8.2MySQLBootstrap 5REST APIStripeLaravel CashierCron scheduler