Buy anything from 5,000+ global merchants. Instant approval based on your financial profile — no hard credit check, no paperwork, no guarantors. Choose 3, 6, 12, or 24 monthly EMI installments repaid via card, bank transfer, mobile money, or digital wallet.
Works on any device, any browser, in 45+ countries. One account — unlimited shopping in flexible EMI installments. No paperwork. No branch visits.
Every feature needed — from instant shopper approval to merchant settlement to platform administration — built in and ready to deploy.
Our AI engine was trained on 2M+ real repayment records globally. More predictive than traditional bureau scores — because it reads actual financial behaviour, not just bureau file history.
Five signals analysed by our AI engine in real time. No hard bureau pull. No branch required. Your actual repayment behaviour and financial patterns are the most accurate predictors of how you will repay.
Adjust the sliders. Your EMI limit and monthly repayment update in real time. Amounts in USD — auto-converted to your local currency at checkout.
Repay monthly installments via any method that works for you — globally. Configure your preferred method once and let auto-deduction handle the rest.
Every PNBE shopper has been AI credit-scored and KYC-verified. We pay you in full within 24 hours. Zero collections. Zero bad debt. Zero chargebacks. Full merchant analytics dashboard included.
Our REST API and drop-in checkout widget handle the entire EMI flow — credit check, approval, merchant payment, and repayment collection — with just a few lines of code.
We charge a single upfront facilitation fee — not interest. You know the total cost before you buy. Early repayment costs less. No late fees ever.
No Financial Advice. Nothing on the Pay Now Buy Earlier platform constitutes financial advice, investment advice, credit advice, or a recommendation to enter into any financial product. EMI limit calculations are algorithmic estimates based on your platform activity and are not a guarantee of creditworthiness or financial suitability. You should consult a qualified financial adviser before making significant purchasing decisions on credit.
Consumer Rights — EU & UK. If you access PNBE services from within the European Economic Area or United Kingdom, the EU Consumer Credit Directive (CCD2, effective November 2025) and UK Financial Conduct Authority (FCA) BNPL regulatory framework may apply. PNBE monitors and adapts to these regulatory developments. EU/UK users have statutory rights including the right to withdraw from a credit agreement within 14 days without penalty.
Consumer Rights — Kenya. PNBE operates in compliance with the Central Bank of Kenya Digital Credit Provider (DCP) licensing framework (CBK Act Cap 491 regulations), the Consumer Protection Act 2012, and the Data Protection Act 2019. Kenyan consumers may file complaints with the CBK Consumer Protection Department or the Kenya Competition Authority.
Consumer Rights — India. Operations in India are conducted in compliance with Reserve Bank of India (RBI) Digital Lending Guidelines (September 2022), including full disclosure of APR-equivalent costs, prohibition on increasing credit limits without explicit consent, and mandatory grievance redressal within 30 days. Indian users may escalate unresolved complaints to the RBI Integrated Ombudsman.
Consumer Rights — South Africa. PNBE's installment facilitation in South Africa is subject to the National Credit Act 34 of 2005 (NCA). Where applicable, agreements are structured to comply with NCA cost-of-credit disclosure requirements. Consumers have the right to apply for debt counselling under Section 86 of the NCA.
Consumer Rights — Philippines. Filipino users are protected under the Financial Products and Services Consumer Protection Act (Republic Act 11765) and Bangko Sentral ng Pilipinas (BSP) regulations on digital financial services. Complaints may be filed with the BSP Financial Consumer Protection Department.
Data Protection & KYC. Identity verification data collected during KYC is processed in accordance with our Privacy Policy and applicable data protection laws in each jurisdiction (including GDPR, Kenya DPA 2019, PDPA Philippines, POPIA South Africa). Biometric and identity data is processed by our licensed KYC partners and is not sold or shared with merchants or third-party advertisers.
Merchant Independence. Merchants listed on the PNBE marketplace are independent businesses. PNBE is not responsible for product quality, delivery fulfilment, after-sales service, or merchant solvency beyond our buyer protection guarantee. All merchants are independently verified and must maintain insurance coverage as a condition of listing. Product disputes are subject to our Buyer Protection Policy.
Currency & Exchange Rate Risk. EMI limits are displayed in USD and converted to your local currency at the prevailing exchange rate at the time of transaction. Repayment amounts in local currency may vary between billing cycles if exchange rates change. PNBE bears no liability for exchange rate movements that affect the local-currency equivalent of your monthly EMI payment.
Regulatory Changes. The BNPL and digital credit sector is subject to rapidly evolving global regulation. PNBE continuously monitors regulatory developments in all operating markets and may modify or withdraw services in specific jurisdictions to maintain compliance. Users will be given reasonable notice of material changes affecting their existing EMI agreements.
Geographic Restrictions. PNBE is not available to residents of the United States of America, Canada, or any jurisdiction where the provision of PNBE's services would require registration, licensing, or authorisation that PNBE does not currently hold. Use of VPNs or other means to circumvent geographic restrictions is prohibited and may result in account suspension.
Zung.AI Infrastructure. The PNBE platform is built on and powered by the zung.ai enterprise core banking infrastructure — an AI-native financial technology platform for licensed institutions. zung.ai is not a consumer-facing financial services provider and assumes no direct regulatory obligation to end users of the PNBE platform.