Flexible Payment Solutions for Retailers & Shoppers

Modern consumers demand flexible, interest-free payment options to shop without financial burden. At PahunchTop, we develop AI-powered Layby and BNPL solutions that help businesses like 123Layby offer seamless installment-based payment plans, risk assessment tools, and automated checkout integrations.

AI-Powered Layby & BNPL Solutions
Our intelligent Layby and BNPL solutions empower businesses to provide flexible, interest-free installment plans, increase sales, and enhance customer loyalty with AI-driven payment automation.

Benefits
- Increased Sales & Customer Retention
- No Interest or Credit Checks for Customers
- Automated Revenue Collection & Payment Processing
- Enhanced Customer Shopping Experience
- Lower Risk of Payment Defaults
- Scalable Payment Solutions for Any Business
Your Questions, Answered with Clarity and Precision
Explore our FAQ to quickly find answers and gain a better understanding of how Pahunch Top can assist you in achieving your business goals. If you don't find the answer you're looking for, feel free to reach out to us directly—we're always here to help.
Get In Touch
The process begins with a consultation to understand your specific needs and goals. We then create a customized proposal outlining the project scope, timeline, and cost. Once approved, our team of experts will work closely with you to develop and implement the solution, ensuring regular updates and feedback throughout the project.
Security is a top priority in all our projects. We implement industry-standard security measures, including encryption, secure coding practices, and regular security audits. Our solutions are designed to protect your data and maintain the integrity and confidentiality of your information.
We serve a wide range of industries, including healthcare, finance, retail, manufacturing, and logistics. Our AI solutions are customized to address the specific challenges and opportunities within each industry, ensuring maximum impact and value.
AI development can enhance your business by automating repetitive tasks, providing deep insights through data analysis, improving decision-making processes, and personalizing customer experiences. This leads to increased efficiency, cost savings, and a competitive edge in the market.
We specialize in custom IT development solutions, AI-powered applications, machine learning models, data analysis, and automation tools. Our services also include cloud computing, software development, and system integration tailored to meet your business needs.
A Virtual Chief Technology Officer (CTO) provides expert technology leadership and strategic guidance without the need for a full-time, in-house executive. This helps startups save costs, scale efficiently, and implement the right technology to drive business growth while focusing on their core operations.
Unlike a full-time CTO, our Virtual CTO service is flexible, cost-effective, and scalable. We provide technology consulting, product strategy, team leadership, and digital transformation at a fraction of the cost, ensuring you get top-tier expertise without long-term hiring commitments.
Startups, SMBs, and enterprises looking for scalable tech solutions benefit the most. Whether you're building an AI-driven platform, launching a SaaS product, or need IT consulting, PahunchTop’s Virtual CTO services help drive technology success without heavy operational costs.