BNPL acceptance at POS and online checkout, integrated into the same orchestration layer as cards and QR.
idataraya integrates Atome, SPay Later, and Grab PayLater as acceptance methods at the point of sale and in online checkout. BNPL providers operate on third-party (3P) integration: each provider supplies its own SDK or redirect flow, and the integration layer wraps these into a consistent payment method alongside cards and e-wallets. The merchant receives the full transaction amount on the standard settlement cycle. The BNPL provider handles instalment collection from the consumer directly. Reconciliation treats BNPL the same as any other settled payment method, matching provider settlement files against your transaction log daily.
Each BNPL provider has its own approval flow, SDK, and settlement reporting. The integration layer wraps these into a single payment method surface so your checkout and reconciliation do not fork for BNPL.
Atome, SPay Later, and Grab PayLater appear as payment options in the same checkout component as cards and DuitNow. The customer selects BNPL, goes through the provider approval flow, and returns to your confirmation page on success.
Each BNPL provider delivers a different integration surface: Atome uses a redirect flow, SPay Later integrates via ShopeePay's merchant portal, Grab PayLater is embedded in the GrabPay SDK. The integration layer abstracts these differences so your POS and checkout call one method.
BNPL providers pay the merchant the full order value on their settlement schedule, typically T+1 to T+3. The BNPL provider then collects instalments from the consumer. Your reconciliation sees one settlement line per BNPL transaction, not one per instalment.
The reconciliation engine ingests BNPL settlement files alongside card and QR settlement files. Discrepancies between BNPL provider reports and your transaction log surface the next morning with the same alerting as any other payment method.
Working integrations for Atome, SPay Later, and Grab PayLater using each provider's SDK or redirect flow, wrapped in one payment method surface for your POS and online checkout.
BNPL rendered as a payment option in the same checkout component as cards, DuitNow, and e-wallets, with provider redirect handling and callback verification.
Daily ingestion and reconciliation of BNPL settlement files from each provider, with discrepancy alerting and a line in the consolidated daily financial report.
Provider-specific approval callbacks normalised to a single event shape so your order service has no BNPL-specific branching logic.
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ExploreBook a discovery call. We will walk through how this fits your business, scope, timeline, and what you will get at the end.
