The problem
BNPL decisions must happen at checkout, often for thin-file shoppers, and stacking and first-party fraud are hard to see in that moment.
What changes
- More good customers approved at checkout
- Fewer losses from stacking and first-party fraud
- Unusual transactions sent to your team for review
Full specification
The complete specification for BNPL Point-of-Sale Decisioning Agent is shared with your team under NDA as part of a demo or evaluation. It covers:
- Step-by-step workflow and human approval points
- Tools, systems and access levels
- Guardrails and regulatory mapping
- Handoffs to other agents and teams
- Evaluation set (L1–L5) and results
- Model risk documentation