Completed
Closed and oversubscribed. Processing volume up 4x this year.
ParcelThis project has been verified
Drop-in split and installment payments for checkout, built for regional e-commerce.
$900,000 raised so far, confirmed by both parties (95%)
Details
- Category
- Fintech
- IP type
- Software
- Stage
- Scaling
- Ask type
- Fixed amount
- Listed
- Sep 16, 2026
- Views
- 3
Description
Parcel gives regional e-commerce platforms a drop-in installment payments option at checkout, built with underwriting tuned for markets that larger buy-now-pay-later players have mostly ignored. Processing over $2M in monthly volume.
Problem
Most buy-now-pay-later providers focus on large markets, leaving regional e-commerce platforms elsewhere without a good installment option at checkout.
Solution
A checkout-embeddable installment payments API with underwriting models built specifically for the regional markets it serves, not adapted from a larger market's risk model.
Target market
Regional e-commerce platforms and mid-size online retailers.
Business model
Per-transaction processing fee plus a share of installment interest.
Investments
Carlos Mendez invested $450,000
7% equity
Richard Osei invested $300,000
5% equity
Elif Yildiz invested $150,000
3% equity
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Discussion (2)
Carlos Mendez
Underwriting built for the actual regional market instead of adapted from somewhere else is exactly why this is working.
Elif Yildiz
The volume growth here speaks for itself. Glad to be part of this round.
Valentina Cruz
Innovator·🇲🇽 Mexico
Payments engineer, previously built checkout infrastructure at a regional e-commerce platform.