Xanzu | AI-Powered BNPL App

Xanzu is an AI-powered “Buy Now, Pay Later (BNPL)” and EMI payment solution for businesses. In this system, when a customer buys something today and pays later in easy monthly payments. Customers onboard the system, verify KYC, and based on previous orders, get a credit limit with a virtual credit card. During purchase, they choose BNPL at checkout, based on credit limit; users can select the desired split option, then the order is confirmed, and payments are tracked until fully paid.

A merchant can sell products in two ways: by using the built-in Merchant Module to add and manage products directly, or by connecting a WooCommerce store.

The system checks the customer, verifies KYC, and based on total shopping, gives them a credit limit with a Visa card, and then pays the merchant while the customer repays over time. In this project, there are three main roles: Customer (buys and repays), Merchant (sells and gets paid), and Admin/Owner (runs the system, takes responsibility to give payment to merchants, takes payment from users, sets rules, and earns fees).

Xanzu uses AI search to find products easily and can summarize product reviews to the user to make the best decision before buying. Admin can score customers using a smart credit system, set credit limits, approve card applications, provide virtual cards, and approve or decline payments quickly.

It integrates with WooCommerce via a built-in WordPress plugin, so online shops can start accepting BNPL/EMI payments quickly and easily. For merchants who do not use WooCommerce, the built-in merchant panel lets them add, edit, and manage products, orders, and customers from inside the system.

It can also offer a virtual credit card so approved customers can pay in more places, not only one shop using their credit balance.

Other unique features can include flexible EMI plans, instant checkout decisions, merchant dashboards, customer apps, payment tracking, reminders, late-fee rules, and full reports for admins. The “xanzu-payment” module handles payment flow, status, and tracking so every order stays clear: pending, approved, paid, and completed.

Customer role: Customers sign up, complete verification (if enabled by admin), get a credit limit based on KYC and order history, can see their credit limit, apply for and get a Visa Credit card, choose flexible BNPL or EMI at checkout, and pay installments on time. They can track bills, due dates, and payment history in the app.

Merchant role: Merchants install/connect the WooCommerce plugin or use the merchant module to add and manage products, receive payments, view sales, refunds, and settlement status, and manage customer orders.

This project is made for online stores, retail shops, marketplaces, and financial service providers who want to offer BNPL/EMI without building everything from scratch. It also fits payment gateways, fintech startups, and agencies that want a ready solution to sell to multiple merchants.

The owner can earn from BNPL/ EMI fees, transaction fees (a small percentage per order), and late fees (if allowed by local rules). The admin panel lets the owner control credit rules, fees, merchant settings, settlement schedules, and system reporting, so the business can scale while staying safe and profitable.

Key Features

• AI-powered BNPL and EMI payment system for businesses, online stores, marketplaces, and fintech platforms
• Customer app for onboarding, KYC verification, credit limit access, BNPL/EMI checkout, repayment tracking, and payment history
• AI Product Search to help customers find products faster and more easily
• AI Product Review Summary to help customers understand product feedback and make better buying decisions
• Merchant system to manage products, orders, customers, sales, refunds, and settlement status
• WooCommerce Plugin Integration so online shops can quickly accept BNPL and EMI payments
• Built-in Merchant Module so merchants can add, edit, and manage products directly without WooCommerce
• Smart Credit Limit System that checks KYC, shopping history, previous orders, and customer behavior before assigning credit
• Virtual Credit Card support so approved customers can use their available credit balance in more places
• Flexible BNPL and EMI Plans that let customers split purchases into easy monthly payments
• Instant Checkout Decision based on customer verification, credit limit, and selected payment split option
• Admin Credit Scoring tools to review customers, set credit limits, approve card applications, and manage risk
• Payment Tracking System through the xanzu-payment module with clear order and payment statuses such as pending, approved, paid, and completed
• Merchant Settlement Management so admins can track merchant payouts and payment responsibility
• Late Fee and Reminder System to notify users about due payments and apply late fees where allowed
• Transaction Fee and BNPL/EMI Fee Management so the owner can earn from order-based fees and financing fees
• Admin Panel to manage customers, merchants, payments, fees, credit rules, settlements, reports, and system settings
• Customer Repayment Dashboard to view bills, due dates, installments, credit usage, and payment history
• Merchant Dashboard to monitor sales, orders, customer purchases, refunds, and settlement progress
• Full Reporting System for admins to track users, merchants, orders, repayments, fees, revenue, and risk
• Multi-role system with Customer, Merchant, and Admin/Owner access
• Secure KYC Verification to make the platform safer and reduce financial risk
• Push Notifications and Payment Reminders to keep customers updated about approval, due dates, repayments, and order status
• Refund and Order Status Management for merchants and admins
• Ready solution for fintech startups, payment gateways, agencies, marketplaces, and retail businesses that want to offer BNPL/EMI services

Xanzu is more than just a payment module. It is a complete AI-powered BNPL and EMI business solution that helps owners manage customers, merchants, credit limits, repayments, virtual cards, WooCommerce payments, and merchant accounts settlements from one system.

Admin Features

• Dashboard: View business overview, customers, merchants, payments, repayments, pending actions, revenue, and system stats.
• Customer Management: View all customers, active customers, disabled customers, KYC status, credit usage, repayment behavior, and account details.
• Customer Actions: Edit customer profile, change account status, update credit limit, review repayment history, and manage customer access.
• KYC Management: Review submitted KYC documents, approve or reject verification, and track customer verification history.
• Credit Scoring: Check customer eligibility using KYC, shopping history, order records, repayment behavior, and risk signals.
• Credit Limit Management: Set, increase, decrease, or suspend customer credit limits.
• Virtual Card Applications: Review customer card applications, approve or reject requests, and issue virtual Visa credit cards.
• BNPL/EMI Rules: Create and manage split payment rules, EMI duration, installment options, fees, and repayment terms.
• Payment Requests: View pending, approved, declined, paid, and completed payment requests.
• Payment Management: Track payment flow, order payment status, BNPL approval, merchant payment, customer repayment, and completion status.
• Merchant Management: View all merchants, approve merchants, manage merchant profiles, payment settings, and settlement rules.
• Product Management: View and manage products added through the built-in merchant module.
• WooCommerce Integration: Manage connected WooCommerce stores, plugin settings, payment status, and merchant checkout activity.
• Order Management: View customer orders, BNPL orders, EMI orders, pending orders, paid orders, completed orders, and refunded orders.
• Refund Management: Review refund requests, approve refunds, reject refunds, and update order/payment status.
• Transaction Records: View all customer payments, merchant payments, repayments, fees, refunds, and platform earnings.
• Fee Management: Set BNPL fees, EMI fees, transaction fees, late fees, and merchant charges.
• Late Payment Rules: Configure late fee rules, due-date rules, grace periods, and reminder settings.
• Reports: View reports for revenue, repayments, merchants, customers, orders, credit usage, overdue payments, and settlements.
• Roles and Staff: Create admin staff, assign roles, and manage permissions.
• Notifications: Send email, SMS, push notification, or in-app notices to customers and merchants.
• Support Tickets: View, reply, and manage customer and merchant support tickets.
• Settings: Manage site settings, payment settings, mail settings, notification settings, SEO, plugins, and general system configuration.
• Templates: Manage email, SMS, and push notification templates.
• Security Tools: Manage admin access, user status, password reset, 2FA options, and system safety settings.
• Cron Jobs: Manage automated repayment reminders, settlement processing, late fee checks, and scheduled system tasks.
• Clear Cache: Clear application cache when needed.
• App Details: View system version, environment details, and application information.
• Custom CSS: Add or edit custom styling for the platform.