SOLAR Installments - Letting customers pay over time

SOLAR Installments is the software solution for instalment plan money lending services. Allows your consumers to pay for purchases at a future date.


Consumers are looking for flexible ways to shop and pay, tailored to their needs. Entrepreneurs are interested in providing shoppers with a streamlined payment solution that boosts sales, increases conversion rates and generates a higher average order value.

With SOLAR Installments, it’s easy to provide customers with flexible financial solutions via a wide range of payment methods and a convenient payment schedule. This is an out-of-the-box module for implementing loan offers or installment payments.


  • Purchases converted to installments under client request (remote banking service, call-center, SMS).
  • Automatic purchases instantly converted to installments.
  • Existing bank products combined with installments.
  • Installment options for already issued cards.
  • Purchases convert to installments, performed with own funds or credit.
  • Limits for quantity of issued installments for one customer.
  • Early repayment options.
  • SMS/Push-notifications for installment maintenance and reminders.
  • Possibility of deferred payments.
  • Partnership programs.
  • Possibility of integration with loyalty programs.


  • Payment schedules generated for each transaction convert to installments.
  • Manage multiple payment schedules for one client with different installment terms.
  • Repayment period determined by the transaction amount.
  • Possibility to choose installment period.
  • Inclusion of the installment issuing fee in the payment schedule, or handling as a separate charge.
  • Multiple calculation methods.


  • Different types and applicable rules of debt management.
  • Grace periods.
  • Minimum/mandatory payment generation.
  • Delays, fines, penalties/interests accounting.
  • Local law compliance.
  • Reserving in SOLAR Provision or upload to external reserving module.
  • Export to data mart for regulatory reporting.
  • Automatic generation of SMS/Push notifications for debt maintenance.
  • Statement – individual Bank templates, automatic mailing.
  • The developer of the SOLAR platform, SOLANTEQ company, specialises in creating innovative components for building payment solutions and digital apps. SOLAR software products are easily scalable, natively integrate into cloud environments, provide maximum fault-resistance and can be supplied in the form of containers, flexibly customised to client requests. SOLAR platform is universal, for the development of retail business for banks and processing companies.


  • Install, integrate and launch in 2-4 months.
  • Minimal hardware and software requirements.
  • Out-of-the-box business processes and screens ready for launch.
  • Deep integration with your existing products.


SOLAR Installments is suitable for bank loan offers and installment services, as well as BNPL services. When proceeding with a BNPL scheme, customers pay for purchases in equal amounts over a certain period of time without bank agreement, and often interest-free — interest is paid to the bank by partner companies. SOLAR Installments allows financial institutions to connect partners to such services and individually determine the service cost for each.

  • Partners‘ contracts and product management.
  • Partners‘ identification parameters management.
  • Partner devices identification by parameters of the authorization message.
  • Charging the partner with the installment fee and the fee for the loyalty bonuses accrual.
  • Spending bonuses fee accrual to the partner.
  • Regular invoices and reports preparation and export for partners on performed transactions.
  • Automatic reports mailing to partners.
  • API for a partner's personal account.


Loans, installments and BNPL services make shopping more affordable for buyers, all while merchants increase sales conversion and banks attract new customers and increase loyalty. With SOLAR Installments, it’s easy to implement any of your ideas for lending services and their combinations with loyalty programs.

SOLAR Installments is highly customizable for all instalment or loan scenarios. Contact us, we're happy to organize a demonstration and answer your questions in detail.