PayJustNow’s PayUp app simplifies non-business purchases


Fintech company PayJustNow has introduced an app that allows in-store retailers to process split payments without point-of-sale (POS) integration. PayUp allows merchants to offer a Buy Now Pay Later (BNPL) solution almost instantly with no onboarding delays.

Bluegrass Digital was brought in to bolster the team with their mobile app skills and supported the delivery of the new mobile app for iOS and Android.

PayUp has given PayJustNow a competitive edge, which is essential in the fintech space. It allows merchants to offer PayJustNow at checkout without point-of-sale integration. It offers buyers split payments at checkout while picking up their goods in advance. The purchase is divided into 3 interest-free installments.

The app also gives a wider range of merchants the ability to offer BNPL to their customers without significant investment in web development or POS integration. It gives the merchant an end-to-end view of the transaction flow – from onboarding new consumers, processing a sale to daily cash receipts and executing a refund.

Mark McChlery, CIO of PayJustNow, said Bluegrass Digital was chosen as the mobile partner because of its reputation for diligence and extraordinary attention to detail on projects. “They made sure everyone was always on the same page, they sent updates and feedback regularly. The team also impressed with their vast expertise.

“The brief was to close an agile project and build a native app on Android, IOS and Harmony OS on the React Native platform. Once the brief was delivered, they patiently waited until we could provide the points endpoints and API wireframes with our design considerations,” he says.

Bluegrass Digital was integral in highlighting some features and opportunities that PayJustNow had missed. They delivered a sandbox version for user acceptance testing on all operating systems within the agreed time frame.

“They have a broad-spectrum team, each with complementary skills at the top of their game in their field. The process from start to finish was made that much easier as they took the time to understand our goals and openly shared contrasting opinions on some of our initial assumptions,” he says.


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