The Engine For
Checkout Financing.
Consumer purchasing power is unlocked instantly. Third-party BNPL providers are no longer required to share your profits. Enterprise-grade point-of-sale lending software is engineered for banks, lenders, and retail giants. A fully white-labeled financing ecosystem is established under your own brand. Cart abandonment is eradicated.
Engineered for
Millisecond Decisions.
Instant Underwriting Engine
Friction at checkout is eliminated. Complex credit scoring algorithms and KYC/AML verifications are executed in milliseconds. Approval rates are maximized while financial risk is heavily mitigated.
100% White-Label Architecture
Your brand identity is prioritized. The entire customer journey—from application to repayment—is customized seamlessly with your logos and color schemes. Customer loyalty is retained entirely by you, not a third party.
Omnichannel Synchronization
Online carts and physical storefronts are bridged flawlessly. Our lending APIs are integrated smoothly into leading e-commerce platforms and physical POS touch screen terminals at the retail counter.
The Anatomy of Seamless Credit.
A complete Loan Management System (LMS) lifecycle.
Loan Origination System (LOS)
Dynamic APRs (Annual Percentage Rates), promotional 0% interest terms, and flexible repayment schedules are configured effortlessly by your administrators. Risk tiers are fully customizable.
Merchant Management Portal
Real-time settlement data, transaction volumes, and dispute resolutions are monitored comprehensively through an intuitive cloud dashboard designed for your retail partners.
Consumer Servicing App
A transparent portal is provided for borrowers. Upcoming payments, digital statements, and early payoff options are managed entirely on their mobile devices.
// Request Payload
{
"merchant_id": "m_98765xyz",
"amount_cents": 85000,
"customer_data": {
"ssn_last4": "****",
"income_verified": true
}
}
Bank-Grade Security is
Non-Negotiable.
Regulatory nightmares are avoided. Our software infrastructure is audited relentlessly. PCI-DSS compliance for payment data and strict adherence to global lending regulations (such as GDPR and CCPA) are maintained. End-to-end encryption is deployed across all data nodes. Your operational compliance is fortified.
The Physical Vessel
For Your Algorithms.
Software brilliance requires reliable hardware. Unlike pure FinTech companies, a closed-loop ecosystem is delivered by TillNode.
Our point-of-sale lending software is pre-optimized to run flawlessly on our industrial-grade smart POS systems and self-service kiosks. A truly frictionless, out-of-the-box financing experience is shipped directly to your physical retail partners.
Compatible
Hardware Nodes.
Our POS lending algorithms are fully certified to run natively on these enterprise-grade terminals. Seamless software-hardware integration is guaranteed.
SN-P90P
Dual-screen flagship terminal engineered for retail counters. Features built-in biometric authentication and native BNPL workflow interfaces.
SN-P20
A modern widescreen touch POS system is designed for high-end fashion stores and modern restaurants.
TillNode Classic SN-B10
15.6 inch POS terminal with Aluminum Base and light weight design.The top choice for great value.
TillNode Core Pad
Sleek 10.1" form factor designed for boutique lenders and high-end automotive/jewelry financing workflows.
TillNode Omni SN-W50
Compact payment validator designed for automated retail. QR-based micro-financing API triggers instantly upon scan.
Sn-H90
6.5 inch POS terminal with EMV and PCI certificated.
Operational
Intelligence (FAQ).
Q. Can we configure our own interest rates (APRs)?
Yes. The Loan Origination System (LOS) is fully configurable by your risk management team. 0% promotional terms, variable APR brackets, and late fee structures are instantly deployed via the merchant dashboard.
Q. Is standard 3rd-Party POS hardware supported?
Our API is framework-agnostic. While maximum system stability and frictionless UI are guaranteed on TillNode native hardware, 3rd-party Android/Windows terminals are supported via direct API endpoints or APK sideloading.
Q. How is consumer data encrypted?
Military-grade AES-256 encryption is implemented across all endpoints. Absolute compliance with PCI-DSS protocols and localized lending regulations (including GDPR/CCPA) is strictly maintained. Zero raw data is exposed.
Q. What is the typical deployment timeline?
Standard software API integrations are executed within 14 days by competent dev teams. Physical white-label hardware nodes are manufactured, flashed, and shipped globally within 4-6 weeks depending on volume.
Launch Your BNPL
Platform Today.
High-margin financing revenue will no longer be outsourced to third parties. The industry’s most robust white-label lending architecture is ready for deployment.