Buy-now-pay-later looks simple and fails on unit economics. This calculator models a BNPL business line by line: merchant discount rate, credit loss rate, cost of funds, processing and servicing cost, against average order value and repeat behaviour. Four MENA-relevant presets — including a UAE consumer model in the style of Tabby and Tamara, a KSA fashion vertical, high-ticket electronics and B2B SME — are benchmarked against public research. Entirely client-side: your numbers never leave the browser.
finpeel is a free fintech tool lab for MENA founders: idea stress-testing, licence calculators, compliance lookup, unit-economics models and live regulatory and deal feeds — hand-verified against primary sources.