Netgíró is a leading Icelandic payments platform that enables users to pay and help businesses of all sizes to increase their sales. Netgíró has been offering Icelandic consumers a solution for simple and secure payments since 2012.

The Icelandic market widely supports Netgíró online and offline, with thousands of consumers using it daily. As a secure and convenient payment solution, Netgíró offers customers to pay right away, get a 14-day grace period or pay an invoice at the beginning of a new month. Spreading payments or taking a loan is also an option, whatever suits the customer.

Solution

From the ground up, our engineering team built a scalable and secure infrastructure that powers seamless deferred payment options for over 2,000 merchants across Iceland, both online and in-store. Regular feature updates and system enhancements—guided by customer feedback and market trends—have helped position Netgíró as a reliable, user-centric payment solution. The platform allows customers to split larger purchases into manageable payments over up to 24 months, while ensuring that retailers always receive full payment upfront, effectively transferring risk to Netgíró.

Behind its simple and intuitive interface, Netgíró’s system operates on a sophisticated backend architecture. It integrates complex modules such as user and loan management, multi-channel payments, and automated credit scoring — providing high security, compliance, and operational efficiency. By using modern technologies and a modular approach, the platform offers flexibility for future growth and innovation in the financial technology space. The result is a powerful BNPL ecosystem that enhances customer purchasing power and helps businesses boost conversion rates, all while maintaining financial reliability at scale.