HeyLight

What HeyLight does

HeyLight AG is a Switzerland-domiciled, private Buy Now, Pay Later (BNPL) fintech founded in 2024 in Geneva. The company provides installment-based payment and credit solutions aimed at two sides of the market: consumers seeking to spread purchase payments over time, and merchants seeking to offer point-of-sale financing. The product is described in functional terms as enabling installment-based purchases, consistent with the standard BNPL model of splitting a transaction into multiple payments. No specific product modules, branded sub-products, proprietary technology stack, or platform architecture details are disclosed in the available source material.

The company is in early-stage operational status, with a website actively maintained and presence on social platforms. Leadership comprises CEO and co-founder Matteo Bozzo and Chief Technology Officer (CXO) Alistair Stead. Headcount is reported in the 11-50 range. No publicly disclosed pricing information, fee structure, merchant integration model, API/SDK offerings, partnerships, certifications, or regulatory licenses are present in the source data. The revenue model, distribution channels, customer segments, and go-to-market motion are likewise unspecified beyond the general BNPL framing.

Given the absence of disclosed funding rounds, ownership structure, revenue figures, customer logos, geographic markets served, or technology stack details, the available evidence base is thin. The company is positioned as a European BNPL entrant in a highly competitive segment dominated by established players, and any investment analysis at this stage carries material information risk.

Name

HeyLight

Website

https://heylight.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

HeyLight AG is a Geneva-based, privately held Buy Now, Pay Later fintech founded in 2024. It offers installment-based payment and credit solutions to consumers and merchants. The company is in an early operational stage with an 11-50 employee headcount.

Ownership category

akta.pro rank

Product category

Buy Now Pay Later (BNPL)

NAICS

Sales Financing (52222), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Merchant-Integrated BNPL (Online Checkout) (FSAKACAA)

akta.pro secondary industries

Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), BNPL Platform Infrastructure (APIs, Orchestration, Merchant Tools) (FSAKACAE)

Keywords

• Buy Now Pay Later
• Installment payments
• Consumer credit
• Merchant financing
• Point-of-sale lending

Headquarters

HQ city

Geneva

HQ country

Switzerland

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales

Core offering

HeyLight provides Buy Now, Pay Later (BNPL) payment and credit solutions that allow consumers to purchase products and pay in installments over time. The platform serves both merchants — by integrating credit-enabled checkout at the point of sale — and buyers — by offering flexible installment financing on purchases.

Product overview

HeyLight is a Buy Now, Pay Later (BNPL) fintech service offering payment and credit solutions for both sellers and buyers. The company provides installment payment options that enable consumers to purchase products and pay over time. Based on the source data available, no specific named product modules, sub-products, or distinct brand offerings are identified beyond the core BNPL service.

Differentiator

Problem solved

Functional benefit

Products and services

• HeyLight BNPL Payment and Credit Solutions A Buy Now, Pay Later installment payment and credit platform that enables online merchants to offer credit-enabled checkout at the point of sale and lets consumers purchase goods and pay over time in installments. Targeted at e-commerce retailers seeking higher conversion and at individual shoppers wanting flexible payment terms.

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves3 records

Expansion highlights2 records

Broad incumbents

• Affirm: US-listed BNPL provider offering short- and long-term installment financing to consumers at merchant checkout. Comparable as a category leader in merchant-integrated installment credit with broader scale than HeyLight.
• Klarna: Global BNPL leader offering installment checkout to merchants and consumers across Europe and the US. Comparable to HeyLight as the dominant category incumbent it must compete against for European merchant integrations.
• Afterpay (Block): BNPL pioneer now owned by Block, operating across the US, UK, and Australia with installment products at checkout. Comparable as a global BNPL incumbent competing for merchant wallet share in the same category as HeyLight.
• Riverty: Bertelsmann-owned European BNPL and consumer credit provider serving major merchants across multiple countries. Comparable as a large European incumbent in the same installment-credit category that HeyLight targets.
• PayPal Pay in 4: PayPal's short-term installment product integrated into its global checkout. Comparable as a broad incumbent offering merchant-integrated BNPL at scale, competing for the same merchant relationships as HeyLight.

Direct peers

• Scalapay: Italy-founded BNPL provider offering pay-in-3 and installment plans across European merchants. Direct competitor to HeyLight given its strong Italy presence, which overlaps with HeyLight's bilingual EN/IT positioning.
• Alma: French-headquartered BNPL platform serving European merchants with deferred and installment payments. Direct peer given overlapping European SMB merchant focus and similar target customer base as HeyLight.
• Ratepay: Germany-based BNPL provider offering invoice, direct debit, and installment payment methods for European e-commerce merchants. Direct peer in the DACH-region BNPL market, comparable in merchant focus and product design to HeyLight.

Emerging players

• Zilch: UK-based BNPL provider offering pay-over-time products directly to consumers and via merchant checkout. Comparable as a venture-backed European BNPL competitor at a similar growth-stage profile to HeyLight.
• Splitit: BNPL platform enabling installment payments via existing card credit, targeting merchants globally. Comparable as an emerging installment-payment platform with a merchant-integrated model analogous to HeyLight's approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights4 records

Customer concentration

• Facebookfacebook.com/HeyLightShopSmartLiveBright
• LinkedInlinkedin.com/company/heylight

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HeyLight