{"id":35269,"date":"2023-01-22T21:03:40","date_gmt":"2023-01-22T20:03:40","guid":{"rendered":"https:\/\/www.investglass.com\/?p=35269"},"modified":"2025-11-16T11:50:58","modified_gmt":"2025-11-16T10:50:58","slug":"%d9%83%d9%8a%d9%81%d9%8a%d8%a9-%d8%a8%d9%86%d8%a7%d8%a1-%d9%85%d9%86%d8%aa%d8%ac-bnpl","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ar\/how-to-build-a-bnpl-product\/","title":{"rendered":"\u0643\u064a\u0641 \u062a\u0635\u0646\u0639 \u0645\u0646\u062a\u062c BNPL\u061f"},"content":{"rendered":"<p class=\"wp-block-paragraph\">The buy now, pay later (BNPL) market has surged past the $150 billion mark and continues to grow rapidly as shoppers expect instant credit decisions and frictionless checkout experiences. In 2025, BNPL is no longer a \u201cnice-to-have\u201d payment option it\u2019s a strategic revenue engine that helps merchants increase conversion rates, boost average order value, and build long-term customer loyalty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For financial institutions, fintechs, and retailers, the real challenge isn\u2019t whether to offer BNPL, but how to build a compliant, scalable, and profitable BNPL platform one that can orchestrate onboarding, risk scoring, repayment flows, and regulatory reporting without turning your tech stack into a Frankenstein monster.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is where platforms like InvestGlass come in. By combining client onboarding, KYC, credit workflows, and automation in a single, modular environment, InvestGlass can serve as the backbone for your BNPL operations whether you\u2019re launching a standalone BNPL product or embedding it into an existing banking or lending offering.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this guide, we\u2019ll walk through the complete BNPL development journey for 2025 from defining your business model and risk engine, to designing user journeys, integrating with payment rails, and setting up the compliance and reporting layer. By the end, you\u2019ll have a clear blueprint for taking your BNPL idea from concept to production-ready platform.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u062a\u064a\u062d \u0644\u0643 \u0628\u0646\u0627\u0621 \u0645\u0646\u0635\u0629 BNPL \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0641\u0631\u0635\u0629 \u0647\u0627\u0626\u0644\u0629 \u0644\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0639\u0644\u0649 \u0634\u0631\u064a\u062d\u0629 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0633\u0648\u0642 \u0633\u0631\u064a\u0639 \u0627\u0644\u062a\u0648\u0633\u0639. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u064a\u062a\u0637\u0644\u0628 \u0625\u0646\u0634\u0627\u0621 \u062d\u0644 BNPL \u062a\u0646\u0627\u0641\u0633\u064a \u062a\u062e\u0637\u064a\u0637\u0627\u064b \u062f\u0642\u064a\u0642\u0627\u064b \u0648\u0628\u0646\u064a\u0629 \u062a\u0642\u0646\u064a\u0629 \u0642\u0648\u064a\u0629 \u0648\u0641\u0647\u0645\u0627\u064b \u0639\u0645\u064a\u0642\u0627\u064b \u0644\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a. \u0633\u064a\u0631\u0634\u062f\u0643 \u0647\u0630\u0627 \u0627\u0644\u062f\u0644\u064a\u0644 \u0627\u0644\u0634\u0627\u0645\u0644 \u0625\u0644\u0649 \u0643\u0644 \u062c\u0627\u0646\u0628 \u0645\u0646 \u062c\u0648\u0627\u0646\u0628 \u062a\u0637\u0648\u064a\u0631 \u062a\u0637\u0628\u064a\u0642 BNPL\u060c \u0628\u062f\u0621\u0627\u064b \u0645\u0646 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0623\u0648\u0644\u064a \u0625\u0644\u0649 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0633\u0648\u0627\u0621 \u0623\u0643\u0646\u062a \u0631\u0627\u0626\u062f \u0623\u0639\u0645\u0627\u0644 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0623\u0648 \u0645\u0639\u0627\u0644\u062c \u062f\u0641\u0639\u060c \u0623\u0648 \u0645\u0624\u0633\u0633\u0629 \u0645\u0627\u0644\u064a\u0629 \u0631\u0627\u0633\u062e\u0629\u060c \u0641\u0625\u0646 \u0647\u0630\u0627 \u0627\u0644\u062f\u0644\u064a\u0644 \u064a\u0648\u0641\u0631 \u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0628\u0646\u0627\u0621 \u0645\u0646\u0635\u0629 BNPL \u064a\u0645\u0643\u0646\u0647\u0627 \u0645\u0646\u0627\u0641\u0633\u0629 \u0631\u0648\u0627\u062f \u0627\u0644\u0642\u0637\u0627\u0639 \u0645\u062b\u0644 Klarna \u0648Afterpay \u0648Afirm.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-bnpl-platform-development\">\u0641\u0647\u0645 \u062a\u0637\u0648\u064a\u0631 \u0645\u0646\u0635\u0629 BNPL<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062e\u062a\u0644\u0641 \u0645\u0646\u0635\u0629 BNPL \u0627\u062e\u062a\u0644\u0627\u0641\u0627\u064b \u062c\u0648\u0647\u0631\u064a\u0627\u064b \u0639\u0646 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629. \u0641\u0628\u064a\u0646\u0645\u0627 \u062a\u0648\u0641\u0631 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u062e\u0637 \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u062a\u062c\u062f\u062f\u060c \u062a\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627 \u062a\u0645\u0648\u064a\u0644\u064b\u0627 \u0641\u064a \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 \u0645\u0639 \u062f\u0641\u0639\u0627\u062a \u0623\u0642\u0633\u0627\u0637 \u0645\u062d\u062f\u062f\u0629 \u0645\u0633\u0628\u0642\u064b\u0627. \u0648\u0647\u0630\u0627 \u064a\u062e\u0644\u0642 \u062a\u062d\u062f\u064a\u0627\u064b \u062a\u0642\u0646\u064a\u0627\u064b \u0648\u0646\u0645\u0648\u0630\u062c \u0639\u0645\u0644 \u0641\u0631\u064a\u062f\u0627\u064b \u0645\u0646 \u0646\u0648\u0639\u0647 \u064a\u062a\u0637\u0644\u0628 \u0623\u0633\u0627\u0644\u064a\u0628 \u062a\u0637\u0648\u064a\u0631 \u0645\u062a\u062e\u0635\u0635\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u0646\u0637\u0648\u064a \u0633\u064a\u0631 \u0639\u0645\u0644 BNPL \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0639\u0644\u0649 \u0623\u0631\u0628\u0639 \u062e\u0637\u0648\u0627\u062a \u062d\u0627\u0633\u0645\u0629: \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0627\u0644\u0641\u0648\u0631\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0639\u0646\u062f \u0642\u064a\u0627\u0645 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0628\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621\u060c \u0648\u062a\u0642\u0633\u064a\u0645 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u062a\u0644\u0642\u0627\u0626\u064a\u0627\u064b \u0625\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u064a\u0645\u0643\u0646 \u0627\u0644\u062a\u062d\u0643\u0645 \u0641\u064a\u0647\u0627\u060c \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0641\u0648\u0631\u064a\u0629 \u0644\u0644\u062a\u0627\u062c\u0631 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u062a\u062f\u0641\u0642 \u0627\u0644\u0646\u0642\u062f\u064a\u060c \u0648\u0627\u0644\u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0622\u0644\u064a \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u062c\u062f\u0648\u0644\u0629. \u062a\u062a\u0637\u0644\u0628 \u0643\u0644 \u062e\u0637\u0648\u0629 \u0623\u0646\u0638\u0645\u0629 \u062e\u0644\u0641\u064a\u0629 \u0645\u062a\u0637\u0648\u0631\u0629 \u064a\u0645\u0643\u0646\u0647\u0627 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0641\u0639\u0644\u064a \u0645\u0639 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0623\u0645\u0627\u0646 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/images.surferseo.art\/3b9407eb-b4d9-413c-b6a8-0638bb678593.png\" alt=\"\u062a\u064f\u0638\u0647\u0631 \u0627\u0644\u0635\u0648\u0631\u0629 \u0648\u0627\u062c\u0647\u0629 \u062d\u062f\u064a\u062b\u0629 \u0644\u0645\u0646\u0635\u0629 BNPL \u062a\u0639\u0631\u0636 \u062e\u064a\u0627\u0631\u0627\u062a \u0645\u062a\u0646\u0648\u0639\u0629 \u0644\u062c\u062f\u0648\u0644\u0629 \u0627\u0644\u062f\u0641\u0639\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062e\u0637\u0637 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0631\u0646\u0629 \u0648\u0627\u0644\u062f\u0641\u0639 \u0628\u0627\u0644\u062a\u0642\u0633\u064a\u0637. \u064a\u0631\u0643\u0632 \u0647\u0630\u0627 \u0627\u0644\u062a\u0635\u0645\u064a\u0645 \u0633\u0647\u0644 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0639\u0644\u0649 \u0645\u064a\u0632\u0627\u062a \u0645\u062b\u0644 \u0627\u0644\u062a\u0630\u0643\u064a\u0631 \u0628\u0627\u0644\u062f\u0641\u0639 \u0648\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0622\u0645\u0646\u0629\u060c \u0645\u0645\u0627 \u064a\u0639\u0632\u0632 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a \u062a\u0637\u0628\u064a\u0642 BNPL.\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0634\u062a\u0645\u0644 \u0627\u0644\u0645\u0643\u0648\u0646\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062d\u0644 BNPL \u0639\u0644\u0649 \u0645\u062d\u0631\u0643 \u062a\u0633\u062c\u064a\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0641\u064a \u0627\u0644\u0648\u0642\u062a 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FastAPI \u0642\u062f\u0631\u0627\u062a \u0645\u0632\u0627\u0645\u0646\u0629 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u062f\u0627\u0621 \u0645\u062b\u0627\u0644\u064a\u0629 \u0644\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062a\u0637\u0644\u0628 \u0628\u0646\u064a\u0629 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u062f\u0631\u0627\u0633\u0629 \u062f\u0642\u064a\u0642\u0629 \u0644\u0643\u0644 \u0645\u0646 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0648\u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u0638\u0645\u0629. \u062a\u062a\u0641\u0648\u0642 PostgreSQL \u0641\u064a \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639 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id=\"h-bnpl-platform-development-costs\">\u062a\u0643\u0627\u0644\u064a\u0641 \u062a\u0637\u0648\u064a\u0631 \u0645\u0646\u0635\u0629 BNPL<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u064a\u062a\u0631\u0627\u0648\u062d \u062a\u0637\u0648\u064a\u0631 MVP \u0645\u0646 $50,000 \u0625\u0644\u0649 $100,000 \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 3-6 \u0623\u0634\u0647\u0631\u060c \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639 \u0627\u0644\u0641\u0631\u064a\u0642 \u0648\u0645\u062f\u0649 \u062a\u0639\u0642\u064a\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0648\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644. \u0648\u064a\u0634\u0645\u0644 \u0647\u0630\u0627 \u0627\u0644\u062a\u0642\u062f\u064a\u0631 \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0623\u0633\u0627\u0633\u064a 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id=\"h-technology-stack-recommendations\">\u062a\u0648\u0635\u064a\u0627\u062a \u062d\u0632\u0645\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u062c\u0628 \u0623\u0646 \u062a\u0639\u0637\u064a \u0627\u062e\u062a\u064a\u0627\u0631\u0627\u062a \u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0647\u0629 \u0627\u0644\u0623\u0645\u0627\u0645\u064a\u0629 \u0627\u0644\u0623\u0648\u0644\u0648\u064a\u0629 \u0644\u0644\u062a\u0648\u0627\u0641\u0642 \u0639\u0628\u0631 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0648\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0637\u0648\u064a\u0631. \u062a\u062a\u064a\u062d React Native \u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0629 \u0628\u064a\u0646 \u062a\u0637\u0628\u064a\u0642\u0627\u062a iOS \u0648 Android \u0645\u0639 \u062a\u0648\u0641\u064a\u0631 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class=\"wp-block-paragraph\">\u064a\u062c\u0628 \u0623\u0646 \u064a\u0631\u0643\u0632 \u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0627\u0644\u062a\u0627\u062c\u0631 \u0641\u064a \u0627\u0644\u0628\u062f\u0627\u064a\u0629 \u0639\u0644\u0649 \u0641\u0626\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0630\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u064a\u0629 \u062d\u064a\u062b \u062a\u0639\u0645\u0644 BNPL \u0639\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0642\u0627\u064a\u064a\u0633 \u0628\u0634\u0643\u0644 \u0648\u0627\u0636\u062d. \u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u064a\u0634\u0647\u062f \u062a\u062c\u0627\u0631 \u0627\u0644\u0623\u0632\u064a\u0627\u0621 \u0648\u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0627\u062a \u0648\u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0645\u0646\u0632\u0644\u064a\u0629 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\u0644\u0647\u0630\u0647 \u0627\u0644\u0642\u062f\u0631\u0627\u062a \u062a\u062d\u0633\u064a\u0646 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u062d\u062f \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u060c \u0644\u0627 \u0633\u064a\u0645\u0627 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0630\u0627\u062a \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0627\u0644\u0646\u0627\u0636\u062c\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0642\u062f \u064a\u0635\u0628\u062d \u062a\u0643\u0627\u0645\u0644 \u062f\u0641\u0639 \u0627\u0644\u0628\u0644\u0648\u0643 \u062a\u0634\u064a\u0646 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629 \u0648\u062b\u064a\u0642 \u0627\u0644\u0635\u0644\u0629 \u0645\u0639 \u0627\u0643\u062a\u0633\u0627\u0628 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0633\u0627\u0626\u062f. \u064a\u062c\u0628 \u0623\u0646 \u062a\u0633\u062a\u0648\u0639\u0628 \u0628\u0646\u064a\u0629 \u0645\u0646\u0635\u062a\u0643 \u062a\u0643\u0627\u0645\u0644 \u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629 \u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0625\u0639\u0627\u062f\u0629 \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0646\u0638\u0627\u0645 \u0628\u0634\u0643\u0644 \u0623\u0633\u0627\u0633\u064a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u064f\u0645\u062b\u0650\u0651\u0644 \u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0627\u0644\u062a\u064a \u062a\u062f\u0639\u0645 \u0627\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u0630\u064a\u0646 \u064a\u0631\u0643\u0632\u0648\u0646 \u0639\u0644\u0649 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0628\u064a\u0626\u064a\u0629 \u0648\u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629 \u0648\u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0627\u0644\u0645\u0647\u062a\u0645\u064a\u0646 \u0628\u0627\u0644\u0628\u064a\u0626\u0629 \u0641\u0631\u0635\u0627\u064b \u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642. \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0624\u062f\u064a \u062a\u062a\u0628\u0639 \u0627\u0644\u0628\u0635\u0645\u0629 \u0627\u0644\u0643\u0631\u0628\u0648\u0646\u064a\u0629\u060c \u0648\u0634\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645\u0629\u060c \u0648\u062d\u0648\u0627\u0641\u0632 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062e\u0636\u0631\u0627\u0621 \u0625\u0644\u0649 \u062a\u0645\u064a\u064a\u0632 \u0645\u0646\u0635\u062a\u0643 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u0633\u062a\u0645\u0631 \u0635\u0646\u0627\u0639\u0629 BNPL \u0641\u064a \u0627\u0644\u062a\u0637\u0648\u0631 \u0628\u0633\u0631\u0639\u0629\u060c \u0645\u0639 \u0648\u062c\u0648\u062f \u0644\u0648\u0627\u0626\u062d \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0648\u0636\u063a\u0648\u0637 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0648\u062a\u0648\u0642\u0639\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0627\u0644\u062a\u064a \u062a\u0639\u064a\u062f \u062a\u0634\u0643\u064a\u0644 \u062f\u064a\u0646\u0627\u0645\u064a\u0643\u064a\u0627\u062a \u0627\u0644\u0633\u0648\u0642. \u0625\u0646 \u0628\u0646\u0627\u0621 \u0645\u0646\u0635\u0629 \u0645\u0631\u0646\u0629 \u0648\u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0648\u0645\u0631\u0643\u0632\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u064a\u0636\u0639 \u0623\u0639\u0645\u0627\u0644\u0643 \u0641\u064a \u0645\u0643\u0627\u0646\u0629 \u062a\u0624\u0647\u0644\u0647\u0627 \u0644\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0644\u0644\u0633\u0648\u0642 \u0645\u0639 \u0627\u0644\u062a\u0643\u064a\u0641 \u0645\u0639 \u0638\u0631\u0648\u0641 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u064a\u062a\u0637\u0644\u0628 \u0628\u0646\u0627\u0621 \u0645\u0646\u0635\u0629 BNPL \u0646\u0627\u062c\u062d\u0629 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0648\u0627\u0632\u0646 \u0628\u064a\u0646 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u062a\u0642\u0646\u064a \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0648\u0641\u0647\u0645 \u0627\u0644\u0633\u0648\u0642. \u0648\u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u062a\u0637\u0648\u064a\u0631 \u0643\u0628\u064a\u0631\u060c \u0625\u0644\u0627 \u0623\u0646 \u0641\u0631\u0635 \u0627\u0644\u0633\u0648\u0642 \u0648\u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u062a\u062c\u0639\u0644 \u0645\u0646 \u062a\u0637\u0648\u064a\u0631 \u0645\u0646\u0635\u0629 BNPL \u0639\u0631\u0636\u064b\u0627 \u062c\u0630\u0627\u0628\u064b\u0627 \u0644\u0631\u0648\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u062d\u062f \u0633\u0648\u0627\u0621.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0628\u062f\u0623 \u0628\u0623\u062f\u0627\u0629 MVP \u0645\u0631\u0643\u0632\u0629 \u062a\u0633\u062a\u0647\u062f\u0641 \u0634\u0631\u064a\u062d\u0629 \u0645\u062d\u062f\u062f\u0629 \u0645\u0646 \u0627\u0644\u0633\u0648\u0642\u060c \u062b\u0645 \u0648\u0633\u0651\u0639 \u0646\u0637\u0627\u0642 \u0642\u062f\u0631\u0627\u062a\u0643 \u0648\u0627\u0646\u062a\u0634\u0627\u0631\u0643 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a \u0645\u0639 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0635\u062d\u0629 \u0646\u0645\u0648\u0630\u062c \u0639\u0645\u0644\u0643 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u062e\u0628\u0631\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629. \u064a\u0643\u0627\u0641\u0626 \u0633\u0648\u0642 BNPL \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0639\u0637\u064a \u0627\u0644\u0623\u0648\u0644\u0648\u064a\u0629 \u0644\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u060c \u0648\u062a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u060c \u0648\u062a\u0648\u0641\u0631 \u0642\u064a\u0645\u0629 \u0648\u0627\u0636\u062d\u0629 \u0644\u0643\u0644 \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631 \u0648\u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646.<\/p>","protected":false},"excerpt":{"rendered":"<p>The buy now, pay later (BNPL) market has surged past the $150 billion mark and continues to grow rapidly as shoppers expect instant credit decisions and frictionless checkout experiences. In 2025, BNPL is no longer a \u201cnice-to-have\u201d payment option it\u2019s a strategic revenue engine that helps merchants increase conversion rates, boost average order value, and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":35270,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[370],"class_list":["post-35269","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-bnpl"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Build a BNPL Product to Increase Conversion Rates | InvestGlass<\/title>\n<meta name=\"description\" content=\"Learn how to build a BNPL product that increases conversion rates and enhances customer loyalty in the growing market.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/ar\/\u0643\u064a\u0641\u064a\u0629-\u0628\u0646\u0627\u0621-\u0645\u0646\u062a\u062c-bnpl\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to build a BNPL product?\" \/>\n<meta property=\"og:description\" content=\"The buy now, pay later (BNPL) market has surged past the $150 billion mark and continues to grow rapidly as shoppers expect instant credit decisions and\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/ar\/\u0643\u064a\u0641\u064a\u0629-\u0628\u0646\u0627\u0621-\u0645\u0646\u062a\u062c-bnpl\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-22T20:03:40+00:00\" \/>\n<meta property=\"article:modified_time\" 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