Buy Now Pay Later Debt Tracking Solutions
Building digital debt-tracking solutions that capture BNPL payments in one place to support financial literacy.
Ever forgotten about a payment on your buy now pay later payment schedule?If so, you are in the majority
57% of people who use BNPL have forgotten about a payment coming out of their account
The average Australian loses $119 per year on late fees
Help us A-B test our prototypes!
This is your chance to have a say in what the future of buy now pay later debt tracking looks like
Purchase our BNPL debt tracker Notion Template
TextPurchase our BNPL debt tracker Notion Template
See all your BNPL payment schedules in one place
Set up reminders when an amount is coming out of your bank account
Never miss a payment & stay on top of BNPL debt
Complete our Survey on BNPL Use
Fill in our short form to tell us your likes and dislikes about using BNPL.
Try Our Latest Lovable Prototype 3.0
Vibecoding experiment number 4 but this time built with Lovable and an accelerator program for founders who want to ship a product in 6 hours.Try our latest prototype & download your personalised BNPL Calendar!
A better way to manage BNPL debt
Ever missed a payment from your buy now pay later payment schedule?Billpal started from a desire to feel more confident and in control when using Buy Now Pay Later (BNPL) for everyday budgeting and bigger purchases. There has to be a better, more intuitive solution than simple pen & paper. A spreadsheet does not make automating BNPL payments every 2 weeks easy either.As I spoke with more people, I realised there’s still a lot of shame and misunderstanding around debt. Many assume BNPL users are careless with money, but I know that’s not true. I believe most of us simply need flexible, accessible ways to manage payments — and financial wellness tools that help us stay on top of them.That’s why I build debt-tracking solutions: to make debt awareness simple, visual, and empowering. My tools help you understand where you stand, make informed choices, and move toward your financial goals with confidence.
Read more about how to use BNPL responsibly
Our blog contains useful information for making BNPL work for you, as part of financial wellbeing and literacy.