---
title: "Discussion on \"BNPL No Credit Check: The API-Level View of Underwriting\" | Hashnode"
description: "Discussion on \"BNPL No Credit Check: The API-Level View of Underwriting\". If you've ever integrated a BNPL provider into a checkout flow, you've probably noticed something curious: approvals happen in milliseconds, yet the provider claims they're not running a hard credit p"
url: "https://hashnode.com/posts/bnpl-no-credit-check-the-api-level-view-of-underwriting/6aa195bde4e7ca4b9a39606a"
---

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# [BNPL No Credit Check: The API-Level View of Underwriting](https://nicovargas.hashnode.dev/bnpl-no-credit-check-the-api-level-view-of-underwriting?utm_source=hashnode&utm_medium=feed)

If you've ever integrated a BNPL provider into a checkout flow, you've probably noticed something curious: approvals happen in milliseconds, yet the provider claims they're not running a hard credit p

Sep 9 · 8 min read · nicovargas.hashnode.dev  
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[nicovargas](https://hashnode.com/@nicovargas)

@nicovargas · New York, USA

  
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