{"id":1683,"date":"2026-07-07T13:00:00","date_gmt":"2026-07-07T18:00:00","guid":{"rendered":"https:\/\/tolinku.com\/blog\/?p=1683"},"modified":"2026-03-07T03:49:59","modified_gmt":"2026-03-07T08:49:59","slug":"bnpl-app-deep-links","status":"publish","type":"post","link":"https:\/\/tolinku.com\/blog\/bnpl-app-deep-links\/","title":{"rendered":"Deep Links for BNPL (Buy Now, Pay Later) Apps"},"content":{"rendered":"\n

Buy Now, Pay Later (BNPL) apps sit at the intersection of fintech and e-commerce. Deep links need to handle both sides: linking to payment plans and installment management (fintech) and linking to merchant offers and shopping experiences (e-commerce). The key challenge is connecting the BNPL app to merchant apps and websites seamlessly.<\/p>\n\n\n\n

This guide covers deep linking patterns for BNPL apps. For broader fintech deep linking, see deep linking for fintech and banking apps<\/a>. For e-commerce deep linking, see deep linking for e-commerce apps<\/a>.<\/p>\n\n\n\n

Route Patterns<\/h2>\n\n\n\n

Payment Plans<\/h3>\n\n\n\n
\/plans                             \u2192 Active payment plans\n\/plans\/{plan-id}                   \u2192 Specific plan detail\n\/plans\/{plan-id}\/payment           \u2192 Make a payment on a plan\n\/plans\/{plan-id}\/schedule          \u2192 Payment schedule\n\/plans\/{plan-id}\/payoff            \u2192 Early payoff option\n<\/code><\/pre>\n\n\n\n
Shopping<\/h3>\n\n\n\n
\/shop                              \u2192 Browse merchants\n\/shop\/{merchant-slug}              \u2192 Merchant page\n\/shop\/{merchant-slug}\/offers       \u2192 Merchant-specific offers\n\/offers                            \u2192 All current offers\n\/offers\/{offer-id}                 \u2192 Specific offer detail\n<\/code><\/pre>\n\n\n\n
Virtual Card<\/h3>\n\n\n\n
\/card                              \u2192 Virtual card overview\n\/card\/details                      \u2192 Card number, CVV, expiration\n\/card\/merchants                    \u2192 Where to use the card\n<\/code><\/pre>\n\n\n\n
Account<\/h3>\n\n\n\n
\/spending-limit                    \u2192 Current spending limit\n\/spending-limit\/increase           \u2192 Request limit increase\n\/payments                          \u2192 Payment history\n\/payments\/upcoming                 \u2192 Upcoming payments\n\/payments\/overdue                  \u2192 Overdue payments\n<\/code><\/pre>\n\n\n\n
Checkout<\/h3>\n\n\n\n
\/checkout\/{merchant}\/{amount}      \u2192 BNPL checkout for a specific purchase\n\/prequalify                        \u2192 Check spending power\n<\/code><\/pre>\n\n\n\n
Key Deep Link Flows<\/h2>\n\n\n\n
Payment Reminder<\/h3>\n\n\n\n
The most critical deep link for BNPL apps. When a payment is due:<\/p>\n\n\n\n
func handlePaymentReminder(_ planId: String) {\n    guard authManager.isAuthenticated else {\n        pendingDeepLink = "\/plans\/\\(planId)\/payment"\n        showLogin()\n        return\n    }\n\n    guard let plan = planManager.getPlan(planId) else {\n        showError("Payment plan not found.")\n        return\n    }\n\n    \/\/ Show the payment screen with the amount pre-filled\n    showPaymentScreen(\n        plan: plan,\n        amount: plan.nextPaymentAmount,\n        dueDate: plan.nextPaymentDate\n    )\n}\n<\/code><\/pre>\n\n\n\n
Merchant Offer<\/h3>\n\n\n\n
When a merchant partner has a promotion:<\/p>\n\n\n\n
https:\/\/links.bnplapp.com\/shop\/nike\/offers\n<\/code><\/pre>\n\n\n\n
This deep link should:<\/p>\n\n\n\n
    \n
  1. Open the BNPL app to Nike's offer page.<\/li>\n
  2. Show available promotions (0% interest, special terms).<\/li>\n
  3. Include a "Shop Now" button that opens Nike's website or app with BNPL as a payment option.<\/li>\n<\/ol>\n\n\n\n
    In-Store Checkout<\/h3>\n\n\n\n
    BNPL at physical stores uses a virtual card or QR code:<\/p>\n\n\n\n
    https:\/\/links.bnplapp.com\/card\/details\n<\/code><\/pre>\n\n\n\n
    This deep link from an in-store QR code should:<\/p>\n\n\n\n
      \n
    1. Open the app directly to the virtual card screen.<\/li>\n
    2. Display the card number, CVV, and expiration.<\/li>\n
    3. Allow adding to Apple Pay or Google Pay.<\/li>\n<\/ol>\n\n\n\n
      Email Deep Links<\/h2>\n\n\n\n
      Payment Due<\/h3>\n\n\n\n
      <p>Your payment of $62.50 for your Amazon purchase is due on July 15.<\/p>\n<a href="https:\/\/links.bnplapp.com\/plans\/PLAN-123\/payment">\n  Make Payment\n<\/a>\n<\/code><\/pre>\n\n\n\n
      Overdue Payment<\/h3>\n\n\n\n
      <p>Your payment of $62.50 is overdue. A late fee may apply.<\/p>\n<a href="https:\/\/links.bnplapp.com\/payments\/overdue">\n  Pay Now\n<\/a>\n<\/code><\/pre>\n\n\n\n
      Spending Limit Increase<\/h3>\n\n\n\n
      <p>Great news! Your spending limit has been increased to $2,000.<\/p>\n<a href="https:\/\/links.bnplapp.com\/spending-limit">\n  View Your Limit\n<\/a>\n<\/code><\/pre>\n\n\n\n
      New Merchant Partner<\/h3>\n\n\n\n
      <p>You can now use BNPLApp at Sephora! Get 4 interest-free payments on beauty products.<\/p>\n<a href="https:\/\/links.bnplapp.com\/shop\/sephora">\n  Shop at Sephora\n<\/a>\n<\/code><\/pre>\n\n\n\n
      Push Notification Deep Links<\/h2>\n\n\n\n
      \n\n\n\n\n\n\n\n\n\n
      Notification<\/th>\nDeep Link<\/th>\nPriority<\/th>\n<\/tr>\n<\/thead>\n
      Payment due tomorrow<\/td>\n\/plans\/{plan-id}\/payment<\/code><\/td>\nHigh<\/td>\n<\/tr>\n
      Payment overdue<\/td>\n\/payments\/overdue<\/code><\/td>\nCritical<\/td>\n<\/tr>\n
      Payment confirmed<\/td>\n\/plans\/{plan-id}<\/code><\/td>\nNormal<\/td>\n<\/tr>\n
      Spending limit increase<\/td>\n\/spending-limit<\/code><\/td>\nNormal<\/td>\n<\/tr>\n
      New merchant offer<\/td>\n\/shop\/{merchant}<\/code><\/td>\nNormal<\/td>\n<\/tr>\n
      Plan paid off<\/td>\n\/plans\/{plan-id}<\/code><\/td>\nNormal<\/td>\n<\/tr>\n
      Referral bonus<\/td>\n\/rewards<\/code><\/td>\nNormal<\/td>\n<\/tr>\n<\/tbody><\/table><\/figure>\n\n\n\n
      Cross-App Deep Linking<\/h2>\n\n\n\n
      BNPL apps interact with merchant apps. Deep links bridge the two:<\/p>\n\n\n\n
      From BNPL App to Merchant<\/h3>\n\n\n\n
      When a user taps "Shop at Nike" in the BNPL app:<\/p>\n\n\n\n
      func openMerchant(_ merchantSlug: String) {\n    let merchantUrl = merchantURLs[merchantSlug]\n\n    \/\/ Try to open the merchant's app via Universal Link\n    if let url = URL(string: merchantUrl) {\n        UIApplication.shared.open(url) { success in\n            if !success {\n                \/\/ Merchant app not installed, open web\n                let webUrl = URL(string: "https:\/\/\\(merchantSlug).com")!\n                UIApplication.shared.open(webUrl)\n            }\n        }\n    }\n}\n<\/code><\/pre>\n\n\n\n
      From Merchant to BNPL App<\/h3>\n\n\n\n
      When a user selects BNPL at checkout on a merchant's website:<\/p>\n\n\n\n
      https:\/\/links.bnplapp.com\/checkout\/nike\/149.99\n<\/code><\/pre>\n\n\n\n
      This opens the BNPL app with the purchase amount pre-filled, allowing the user to split the payment.<\/p>\n\n\n\n
      Deferred Deep Links for BNPL<\/h2>\n\n\n\n
      Deferred deep linking is critical for BNPL growth:<\/p>\n\n\n\n
        \n
      1. User sees an ad:<\/strong> "Split your purchases into 4 payments. Get $10 off your first order."<\/li>\n
      2. User taps the ad:<\/strong> Redirected to the app store (user does not have the app).<\/li>\n
      3. User installs the app:<\/strong> After opening, the app retrieves the deferred deep link data.<\/li>\n
      4. User lands on the offer:<\/strong> The $10 off offer is applied to their account.<\/li>\n<\/ol>\n\n\n\n
        Without deferred deep linking, the user installs the app but lands on the home screen. They may never find the offer that motivated them to install.<\/p>\n\n\n\n
        Regulatory Considerations<\/h2>\n\n\n\n
        BNPL is increasingly regulated:<\/p>\n\n\n\n