Offer Buy Now, Pay Later with a complete, regulated, and API-integrated financial infrastructure. QI Tech enables BNPL with risk control, compliance, and operational scalability.
QI Tech's BNPL infrastructure enables companies to offer installment payments at checkout with structured and regulated credit, without assuming the operational complexity of the credit cycle.
The operation is orchestrated via APIs that cover the entire flow:
Customer onboarding and KYC;
Credit analysis with configurable models;
Digital contract formalization;
Payment settlement to merchants;
Collections management, installments and default.
Everything operating within an architecture prepared for high transactional volume and compliant with regulatory requirements.
Complete pipeline to offer Buy Now, Pay Later to your customers
Plug-and-play modular APIs to structure, operate and scale Buy Now, Pay Later offerings, with regulated credit and end-to-end automation.
01
Formalization
Build the best sales journey with a secure authentication process.
02
Banking
Bancarize your credit operations and benefit from our partnerships.
03
Credit Assignment
Technology that enables credit assignment with different assignees.
Fraud Prevention
Get comprehensive anti-fraud protection to verify that the person requesting the credit is who they claim to be. Products include digital onboarding, facial recognition and Liveness, background verification and device validation.
Credit Engine
Build your credit engine easily using our tools to create your credit approval rules, connecting data from credit bureaus (like Boa Vista, Serasa and others) and Open Finance to validate customer creditworthiness.
Electronic Signature
Enable digital acceptance of credit proposals with facial recognition verification and proof of life.
Partner with 100% proprietary technology and a complete credit pipeline for BNPL offerings
A single infrastructure to structure, operate and scale BNPL with legal certainty and operational efficiency. Explore our documentation and integrate BNPL into your application using modular and well-documented APIs.
Enable installment payments at checkout with structured credit, without relying exclusively on cards. QI Tech handles origination, credit analysis, formalization and collection, while merchants receive predictably.
Vivo has more than 116 million active lines and 1,800 physical stores across Brazil. A significant share of that customer base now buys in installments without a credit card through Crediário Vivo Pay, a BNPL model that has already generated over R$400 million in accumulated revenue by the end of 2025.
Behind the simple in-store experience (transparent fees, fixed installments, bank slip in hand) lies an operation that requires CCB issuance in microseconds and assignment to an FIDC at scale — the infrastructure QI Tech operates to power this flow end to end.
Digital credit services
For all businesses
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