PAYLA is a true white-label ‘Buy Now, Pay Later’ service provider for European Payment Service Companies and Financial Institutions. The software platform is a complete turnkey solution covering all aspects of BNPL, including automated risk assessment, debtor management, any level of high-quality customer support and also the full refinancing of the invoice and instalment volume. PAYLA's clients are able to provide fully integrated and white-labelled BNPL products to their merchant customer portfolio with little effort and no risk, generating steady and stable revenues solely based on the merchants transaction volume. PAYLA offers a comprehensive ‘BNPL-as-a-service’ product, easy to integrate and easy to handle.