Payments in ecommerce are evolving fast.
In 2026, selling online is no longer just about accepting money — it’s about how customers pay.

One of the biggest changes shaping Indian ecommerce today is embedded finance, especially Buy Now, Pay Later (BNPL).

Let’s understand what this means, why it matters, and how Indian sellers can use it to increase conversions.

What Is Embedded Finance in Ecommerce?

Embedded finance means:

• Financial services built directly into ecommerce platforms

• No redirections to third-party apps

• Seamless payment and checkout experience

Instead of “going to a bank,” finance happens inside the store.

Examples include:

• UPI payments

• BNPL options

• Instant EMI

Digital wallets

What Is Buy Now, Pay Later (BNPL)?

• BNPL allows customers to:

  • Buy a product immediately

  • Pay in installments or later

  • Avoid full upfront payment

  This is especially popular for:

• Fashion

• Electronics

• Lifestyle products

D2C brands

Why BNPL Is Growing Fast in India

• Indian consumers are:

  • Price-sensitive

  • Comfortable with digital payments

  • Looking for flexible options

  BNPL growth is driven by:

  ✔️ Rising UPI adoption
  ✔️ Younger online buyers
  ✔️ Smartphone-first shopping
  ✔️ Higher trust in fintech platforms

  How BNPL Improves Ecommerce Conversions

  BNPL helps sellers by:

  • Reducing price hesitation

  • Increasing average order value

  • Improving checkout completion

  • Encouraging repeat purchases

  Customers buy more when payments feel easier.

  How Sellers Should Use BNPL Smartly

  Offer BNPL as an Option, Not a Push

  Let customers choose based on comfort.

  Combine BNPL with UPI & COD

  Different customers prefer different payment methods.

  Highlight BNPL Benefits Clearly

  Track Conversion Impact

  Monitor:

  • Checkout success

  • Order value increase

  • Return rates
    Risks Sellers Should Be Aware Of

    While BNPL helps growth, sellers should watch:

    • Higher return rates

    • Dependency on finance partners

    • Customer eligibility issues

    Balanced implementation is key.

    How Bechna Supports Embedded Finance Trends

    Bechna is designed for modern Indian commerce:

    • Supports multiple payment options

    • Works seamlessly with payment gateways

    • Offers mobile-first checkout

    • Pays sellers directly to bank accounts

    This ensures sellers stay future-ready.

    https://bechna.app/#features