Oja by Tendar: Empowering Nigerian Merchants with Buy Now, Pay Later (BNPL) Solutions

What is Oja by Tendar?

Oja by Tendar is a Buy Now, Pay Later (BNPL) platform that connects Nigerian merchants with trusted financiers, enabling businesses to offer flexible payment options to their customers. Oja makes BNPL transactions seamless, reliable, and fast, helping businesses grow while making purchases more affordable for customers.

How it Works

Small and medium-sized businesses can easily register on Oja by Tendar by creating a merchant account. Once signed up, they gain access to a personalized dashboard where they can upload their products, manage sales, and track BNPL transactions. Merchants who already have their own online stores can also integrate Oja’s BNPL solution directly into their checkout process using the Oja SDK. This gives them the flexibility to offer Buy Now, Pay Later options to their customers. Oja’s system connects these merchants with partnered lenders who finance the customer purchases instantly. This way, merchants receive payment upfront, customers enjoy flexible installment plans, and financiers expand their reach into new markets. The platform manages the entire payment process, from loan approvals to repayment tracking, to keep everything in order and everyone informed.

Benefits of Oja by Tendar

For merchants, Oja offers the opportunity to boost sales by making purchases more accessible to customers who prefer not to pay large sums upfront. It also builds stronger customer loyalty by offering flexible payment solutions that fit real-world cash flow needs.

In a competitive market, business owners who provide BNPL options can stand out and win over more customers, as Oja opens up access to a broader, more diverse customer base while simplifying operations through automation. By using Oja’s data-driven tools, business owners can assess customer creditworthiness more accurately, manage risk more effectively, and lower operational costs.

Who Can Use This Solution? Oja by Tendar is ideal for a wide range of businesses, including electronics stores, fashion boutiques, home goods retailers, and beauty and wellness brands. Any business that sells high-value goods or services can benefit from offering customers the flexibility to spread payments over time.

Real-World Scenarios

An electronics retailer selling laptops worth ₦200,000 could potentially offer BNPL through Oja, this allows customers to purchase immediately and pay over a few months, while the merchant still receives the full payment. Similarly, a fashion boutique could let customers buy ₦50,000 worth of clothing and allow the customer to pay ₦10,000 monthly over five months, making premium shopping more affordable without hurting business cash flow.

Get Started

Oja by Tendar is a smarter way to grow your business, serve your customers better, and stay ahead of the competition. Ready to unlock new revenue streams? Register your business today and start offering flexible BNPL options with Oja by Tendar.