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Play Now · Pay Later

Turn Price Friction
Into Revenue

The installment platform purpose-built for games and digital goods. Players get instant access. You get paid in full. Zero credit risk.

+35% GMV Uplift
Zero KYC
<1 week Integration
0% Default Rate

85% of a sale that happens beats 100% of a sale that never happens. Studios get paid in full upfront. Players get instant access. That's the math.

On $1M/month GMV, Merso adds
+$1.1M/year
in additional revenue, across all your channels
The Difference

A Different Category

Traditional Buy Now Pay Later brings credit risk, KYC overhead and compliance complexity. Merso is a license model — no debt, no collections, no friction.

Traditional BNPL
Credit check / underwritingRequired
KYC / identity verificationFull KYC
Default / collections riskAdverse selection + chargeback exposure
Native web store checkoutRedirect / friction
Crypto paymentsCard only
Integration timeWeeks / months
Merso PNPL
Credit check / underwritingNone: license-based
KYC / identity verificationZero KYC
Default / collections riskLicense expires: no debt
Native web store checkoutFully embedded
Crypto paymentsEthereum · Polygon · Soneium · Solana
Integration time< 1 week
The Flow

How It Works

1
Player Selects Item
Player chooses a premium item and selects PNPL at checkout. Pays the first License Contribution (typically ~50%) instantly — no credit check.
2
Instant Access Granted
Merso issues a software license and credits the item immediately. The player starts playing right away. You receive the full payment — Merso handles the rest.
3
Automatic Installments
Merso automatically processes the scheduled License Renewal Contributions. If a payment fails, the license expires automatically: zero debt, zero collections action needed from you.
License-to-Own model: License-to-Own architecture: not credit, not lending, not BNPL. Merso issues a revocable license. Where conditions are met, ownership of the underlying asset may transfer at the end of the renewal period. No additional consumer-credit obligations introduced for the studio.
Revenue Calculator

See What PNPL Adds To Your Revenue

Adjust your monthly GMV and channel mix to see real-time projections based on Merso's historical performance benchmarks.

Total Monthly GMV$1,000,000

Channel Mix

📱 Web Store50%
🖥 PC / Browser Platform25%
🔑 Other Channel25%
Incremental GMV / month
+$92,200
Additional Revenue / year
+$1,106,400
Total Uplift
+$1,106,400

Projections based on average performance across Merso live integrations. Individual results vary by genre, ARPU, and integration depth. Not a guarantee of results.

Platform

Everything You Need

One integration. All channels. Built for Web2, Web3 and AI-native games.

Instant Access

Content credited immediately after the first License Contribution. Players start playing in seconds — no waiting, no friction.

🛡

Zero Risk

License-based model — not credit. Failed payment? License expires automatically. No debt, no collections, no compliance overhead.

🔌

API-First

One REST API integration covers all SKUs across every sales channel simultaneously. Average go-live under one week.

💳

Card + Crypto

Stripe for card payments (Visa, Mastercard, Amex) and native support for Ethereum, Polygon, Soneium and Solana for Web3 players.

🤖

Agent Gateway

AI agents can trigger PNPL purchases programmatically via REST call. Built for agentic gameplay, AI-driven storefronts, and the next generation of programmable commerce.

📊

Real-time Dashboard

Track adoption rates, GMV uplift, installment completion and player behaviour in real time across all integrations.

Integration

Plug In Under a Week

A single backend endpoint handles all your SKUs. No checkout redesign needed.

merso-integration.js
// 1. Authenticate
const auth = await fetch('https://api2.merso.io/auth', {
  method: 'POST',
  body: JSON.stringify({
    game_id: process.env.MERSO_GAME_ID,
    api_key: process.env.MERSO_API_KEY
  })
});
const { token } = (await auth.json()).authResult;

// 2. Initiate PNPL purchase
const purchase = await fetch(
  'https://api2.merso.io/merso-buy-item', {
  method: 'POST',
  headers: { 'Authorization': `Bearer ${token}` },
  body: JSON.stringify({
    itemPrice: 29.99,
    itemId: `GAME-${Date.now()}-${Math.random()}`,
    itemName: 'Premium Hero Pack',
    playerEmail: player.email,
    paymentMode: 'INSTALLMENTS'
  })
});
const { clientSecret } = await purchase.json();

// 3. Webhook: grant access on payment.succeeded
app.post('/webhook', (req, res) => {
  if (req.body.type === 'payment.succeeded')
    grantItem(req.body.paymentIntentId);
});
1

Authenticate

POST /auth with your GAME_ID and API_KEY. Receive a Bearer token (auto-renew before expiry).

2

Initiate Purchase

POST /merso-buy-item with itemPrice, itemId (unique per purchase), playerEmail and paymentMode.

3

Show Payment UI

Use the clientSecret with Stripe Elements. Merso renders the installment plan breakdown automatically.

4

Handle Webhook

Listen for payment.succeeded to grant item access. Fallback: GET /verify-payment-intent/:id.

5

Scale

Expand to all SKUs, channels and geographies. One integration covers your entire catalog.

Payment Rails

💳
Card (Stripe)
Visa · Mastercard · Amex
Crypto
Ethereum · Polygon · Soneium · Solana
🤖
Agent Gateway
AI-native API payments
Onboarding Timeline Typically 1–2 Weeks
1
Contact
Phase 1
2
Setup
Phase 2
3
Integrate
Phase 3
4
QA
Phase 4
5
Live 🚀
Phase 5
Partners

Trusted by Leading Studios

Wave Game
Dæmons
Heavenly Sword Online
Satoshi's Goal
3 Kingdoms: Next Gen
Online Academy
Cross / Nexus
Star Atlas
Clash of Coins
Grug's Lair
Mixed Pixel
Dice or Die
Nika Labs
Tabbii
Project Eldrem
Partner Game 1
Mobile Strategy
+36%
GMV Uplift
Adoption37%
Drop-off reduction−18pp
Online Academy
Educational Platform
+45%
GMV Uplift
Adoption41%
Drop-off reduction−21pp
Partner Game 2
Action RPG
+48%
GMV Uplift
Adoption44%
Drop-off reduction−25pp

Ready to Grow
Your Revenue?

Integration takes less than one week. Zero upfront commitment.
Start with 2–3 SKUs and measure the impact in 4 weeks.

Or reach us directly at support@merso.io