NetNow

NetNow.io operates in the financial technology sector, providing automated credit solutions that allow businesses to offer Buy Now, Pay Later (BNPL) options to their customers. The company serves e-commerce platforms and online merchants, integrating seamlessly at checkout to offer flexible payment terms of 30, 60, or 90 days. NetNow.io's core product is an API-powered credit stack that handles underwriting, fraud risk assessment, and collections, ensuring that businesses get paid upfront while customers enjoy deferred payment options. This service eliminates the need for businesses to spend time and resources on credit applications and collections, thereby reducing financial risk and improving cash flow. The business model is based on transaction fees and possibly interest or service charges on deferred payments. NetNow.io makes money by charging merchants for the use of its API and credit services, as well as potentially earning from the interest on deferred payments. The company operates in the B2B (business-to-business) market, focusing on enhancing the financial operations of online merchants and e-commerce platforms.

Keywords: Fintech, BNPL, API, e-commerce, credit solutions, underwriting, fraud risk, collections, cash flow, B2B.