FoodBank.ng Checkout Rail lets Nigerian merchants accept installment payments from customers while getting paid in full, upfront. We handle identity verification, credit risk, and collections so you don't have to. Add it to your website with a few lines of code, or generate a QR code if you don't have a website at all.
Embed our BNPL checkout widget on your product pages. Customers pick installments, you get paid in full, upfront.
Generate a payment link and QR code from your phone. Show it to a customer at checkout, they scan and pay in installments.
We run identity checks and credit decisions on every customer, and we absorb missed payments — not you.
You receive your full sale amount, minus a small commission, shortly after each sale — straight to your bank account, all at once. Your customer then repays FoodBank.ng over 60 days; that schedule is entirely between us and them. No invoicing, no chasing customers for money, no waiting on their instalments. This is the same reason merchants across Nigeria are adding buy now pay later to their checkout: it turns window-shoppers into paying customers without you carrying any of the credit risk — or the wait — yourself.
Enter what you'd normally charge for an item. This uses our standard 5% commission — your actual rate is confirmed after signup.
You receive today, in full
₦19,000
That's 95.0% of your listed price, after our 5% commission — paid upfront, not spread out.
No. Signing up is free. FoodBank.ng only takes a small commission on each sale processed through Checkout Rail — there's no monthly fee and no setup cost.
No. If you have a website, you can embed the Checkout Rail widget directly on your product pages. If you don't, you can generate a payment link and QR code from your phone instead — show it to a customer at checkout and they scan to pay in installments.
In full, upfront — shortly after the sale. You don't wait on your customer's installment schedule; that's ours to collect, not yours.
That risk is on FoodBank.ng, not you. We run identity verification and credit checks on every customer before approving a purchase, and we absorb missed payments ourselves.
You can start setting up your account and creating payment links immediately after signing up. New merchant applications are reviewed by our team before you can process live customer payments.