Pay Now, Buy Later
Spread the cost without borrowing
Savvy turns instalments on their head: you save towards your purchase in monthly payments and receive your item once it's fully paid. The anti-BNPL.
Three steps to your purchase
1
Choose Savvy at checkout
Pick how many monthly instalments suit you. Your first instalment is collected today — that's it.
2
Save automatically
Instalments are collected monthly and safeguarded on an auditable ledger. Top up, extend, or cancel for a full refund anytime.
3
Receive your item fully paid
When your target is reached, Savvy orders your item from the merchant and it's delivered to your door. Nothing owed.
For shoppers
Budget for the things you want without turning to credit. Track every plan, update delivery details, top up early, and cancel for a full refund whenever you like — all from your Savvy account.
Create your accountFor merchants
Convert budget-conscious customers you'd otherwise lose, with zero credit risk — you're paid in full before you ship. Add Savvy to your checkout with a one-line embed, and manage products, pricing modes, fulfilment, and settlements from the merchant portal.
Merchant portalTry the Savvy checkout
Experience the full customer journey on our demonstration merchant stores. Payments run against a test account — no real money moves.