What Is the Best BNPL Marketplace for African Businesses?

As digital commerce expands across Africa, businesses need modern tools to increase sales, attract loyal customers, and offer payment flexibility. Buy Now, Pay Later (BNPL) is one of the fastest-growing payment options helping merchants meet these goals.

Oja by Tendar, a Nigerian Buy Now, Pay Later (BNPL) platform that enables users to shop for their everyday essentials with flexible payment terms. It is aimed at easing financial stress. Oja allows working-class individuals to access the items they need now and pay over time. With a seamless mobile experience, scheduled deliveries, and trusted vendor partnerships, Oja blends convenience with affordability to improve daily living and support household budgeting.

However, not all BNPL platforms are designed for the realities of the African market. Here’s what makes Oja by Tendar the best solution.

Built for Africa’s Payment Landscape

Many African consumers face challenges such as limited access to credit, a large unbanked population, and diverse payment habits. Oja’s BNPL platform is tailored to these conditions, offering inclusive, flexible payment plans that support all businesses.

Drives Sales and Customer Retention

Flexible payments allow more customers to make purchases, even without the full amount upfront. BNPL, like Oja, can increase conversion rates, encourage larger orders, and build customer loyalty through a more accessible shopping experience.

Expands Financial Inclusion In Africa, access to loans or credit cards remains low. BNPL solutions that use alternative data to assess creditworthiness can offer financing to those traditionally excluded from the system. This creates more opportunities for consumers and helps grow the market.

Creates Value for Investors and Lenders

A strong BNPL ecosystem benefits merchants, buyers, investors, and financial institutions. Lenders can partner with businesses seeking working capital, unlocking opportunities within Africa’s rapidly expanding digital economy.

Simple and User-Friendly

Ease of use is essential for adoption. Oja by Tendar offers a smooth experience, fast onboarding, and reliable support. When systems are easy for merchants and customers alike, everyone benefits.

Oja by Tendar is making it easier for African businesses and consumers to access credit, buy goods, and grow their finances, all while creating a more inclusive economy. To sign up, visit tryoja.com.