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77–83% of B2B buyers demand flexible payment terms from their main suppliers. If you don’t offer it, they’ll find someone who does.
Late payments and rigid credit terms are killing B2B businesses.
Cash flow gets stuck. Customers churn. Competitors win your buyers.

Embed financing into your sales flow with your own branding to drive growth while offering a smooth experience for your buyers.

With Modu You Can

Get Paid Upfront
Never wait on buyers again. Your payouts are guaranteed.
Win More Buyers
Even first-time customers can buy now and pay later.
Increase Order Value
Buyers spend 30% more and order 24% more often with credit.
Free Up Cash Flow
Stop tying up capital in buyer financing – Modu covers it.
No Chasing Payments
Scoring, fraud checks, and collections are fully automated.
Stay Ahead
Keep buyers loyal with the flexible terms they expect.
Industries
Grow your business by providing the flexible BNPL up to 90 days that B2B buyers demand online, in-store and over the phone.
  • B2B Marketplaces
    Unlock BNPL for your buyers, driving more transactions on your platform.
  • Food & Beverage Suppliers (F&B)
    Let restaurants, retailers, and producers stock up today and pay later, without straining your cash flow.
  • Agribusiness
    Provide farmers and distributors with access to seeds, machinery, and agrochemicals when they need them most.
  • Industrial Goods & Materials
    Enable contractors and vendors to purchase equipment and materials upfront while paying over time.
  • Freight & Logistics
    Give your clients payment flexibility for transport and warehousing, while you get guaranteed upfront payouts.
  • Corporate Travel
    Offer companies deferred payments on tickets, accommodation, and rentals, making large bookings frictionless.
  • Pharmaceutical Sector
    Help clinics and pharmacies secure critical medicines and equipment without waiting for extended payment cycles.
How It Works
Once you’re registered with Modu and our solution is embedded into your software, the process is simple:
A buyer makes a purchase, places an order, or creates a booking as usual.
Modu offers payment terms of 30, 60, or 90 days.

At Modu, the buyer’s credit limit is known upfront – only a quick fraud check is performed in under a few seconds
The buyer selects their preferred terms and payment method (card, bank transfer, or direct debit).
You receive full payment immediately – Modu assumes the risk and handles collection from the buyer when the payment is due.
We handle it all
So you may focus on developing your product, acquiring customers, or anything else that drives your business forward.
  • Credit scoring
    Offer your buyers the credit they deserve with advanced, data-driven underwriting – all they need to do is register with Modu.
  • Fraud detection
    Automated systems and skilled fraud analysts work together to keep your business secure.
  • Risk protection
    Receive full payment even if a buyer defaults – thanks to AIG-backed coverage.
  • Financing
    Buyers pay later, you get paid upfront in full – a win-win for everyone.
  • Payment processing
    Flexible settlement options increase conversion and let buyers pay on their preferred terms.
  • Collections
    Handled professionally and carefully to maintain strong commercial relationships.
Contact our sales team
Cultivate a lasting partnership that
starts and ends with your goals.
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Get access to capital
Automate workflow
Consolidate the best combination of financial tools
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Disclaimers and footnotes


Modu is a financial technology company, not a bank. Banking and payment services in Kazakhstan are provided by Bank RBK JSC (License No. 1.2.100/245/41, issued by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market – AFRDFM). All client accounts and transactions are held and processed by Bank RBK JSC under applicable laws of the Republic of Kazakhstan.

Funds deposited into Modu Business Accounts are protected by the Kazakhstan Deposit Insurance Fund (KDIF) within the limits established by law. Deposit insurance covers the failure of an insured bank.

Modu operates as a Banking-as-a-Service (BaaS) platform, providing financial technology services in partnership with Bank RBK JSC and other licensed financial institutions. Certain additional services, including payment processing, lending, or investment products, may be offered through Modu’s partners or affiliates under separate licenses.

All loans are subject to approval, including credit and collateral assessment, and may carry restrictions on availability. Nothing herein should be construed as a commitment to lend. Investing in securities or treasury products involves risk, including possible loss of principal. Past performance is not a guarantee of future results.

Cards issued under the Modu program are provided by licensed banking partners pursuant to agreements with Mastercard® or Visa®. Cards can be used where Mastercard® or Visa® cards are accepted, subject to applicable restrictions.

Modu does not provide legal, tax, or investment advice. Please consult your advisors regarding your specific situation.

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