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Pre-Release · In Development

Installment & BNPL checkout for OpenCart, built provider by provider

In Development

A from-scratch rewrite of a legacy Ukraine-only installment module. Core engine and all 15 provider integrations are code-complete and verified — not yet run against a live store.

PHP OpenCart 3 10 Ukrainian banks 5 international BNPL providers Ed25519 licensing
10 Ukrainian bank integrations
5 international BNPL providers
56 PHP files, 0 syntax errors
33 issues found & fixed in an internal audit
How It Works

How it works

1

Storefront widget

A "from $X/mo" widget appears on the product page via OpenCart's native event system — zero core files patched.

2

Provider selection

Shoppers see every eligible provider's calculated offer in a popup and choose one at checkout.

3

Order handoff

Confirmed orders are handed to the provider's API (or logged for manual processing where no API exists), with status updates synced back via webhook.

Features

What's included

Provider-plugin architecture

Each bank/BNPL provider is a self-contained provider class, independent of the storefront/checkout wiring.

Ed25519-signed licensing

License keys are cryptographically signed; the license-server component is an early skeleton (Basic/Pro tiers not yet wired up).

No-code custom providers

Store admins can define an entirely new installment provider — eligibility rules, category rules, fee formula — with zero PHP.

Zero core-file patches

Every integration point uses OpenCart's own event system instead of the ~30-file OCMOD patch set the old module needed.

Bespoke per-bank pricing formulas

Each bank's real surcharge/markup formula is preserved and numerically verified against the legacy module, including a shunting-yard formula evaluator for one provider.

Normalized database schema

Adding a new provider never requires an ALTER TABLE.

7-day license grace period

If the license server is briefly unreachable, the module keeps working on a cached token instead of breaking checkout.

FAQ

Frequently asked questions

Which banks and providers are supported?
10 Ukrainian banks — PrivatBank (two programs), monobank, Sense Bank, А-Банк, PayLate, ПУМБ, Idea Bank, and OTP Bank — plus 5 international BNPL providers: Klarna, Affirm, Afterpay, PayPal Pay Later, and Sezzle.
What does "Ed25519-signed licensing" mean?
The license server signs a token with a private key; the module verifies it locally with only the matching public key baked in — so even extracting the module's code wouldn't let anyone forge new licenses.
Is Creditoria ready to use?
Not yet. The core engine and every provider integration are code-complete and verified through linting and hand-checked calculations, but none have been run against a live OpenCart install or a real bank sandbox.
Will there be Basic/Pro tiers?
Tiered pricing is planned — the licensing system already has the fields for it — but tier enforcement isn't built yet.