How SNBL Works

A detailed guide on how the SNBL platform empowers clients and merchants through flexible payment solutions.

What is SNBL?

SNBL stands for "Save Now Buy Later" — a smart payment model developed by Sachapay Technologies. The SNBL platform allows users to:

  • Access goods and services from verified merchants
  • Make partial payments over time
  • Track their progress and complete ownership in steps

It is designed to make essential products affordable for all income levels by spreading costs over time with full transparency.

How to Become a Client

Step 1: Register Your Account

Sign up as a client. You’ll need a phone number, email, and ID to create a secure SNBL account.

Step 2: Browse Partner Merchants

Explore our verified merchant network and discover goods like electronics, furniture, education, and healthcare products.

Step 3: Choose Product & Payment Plan

After selecting your item, pay a small deposit. The remaining amount is broken into manageable payments via the Lipa Polepole plan.

Step 4: Make Payments & Track Progress

Use your dashboard to make payments, view progress, and receive reminders. Once fully paid, the product is officially yours.

How to Become a Merchant

Step 1: Apply as a Merchant

Fill out our merchant registration form with your business name, location and the products or services you offer.

Step 2: Integrate with Sachapay

Once approved, we’ll help you integrate with our SNBL system using APIs or through the merchant portal. This enables partial payments and client tracking.

Step 3: Start Selling & Receiving Payments

List your products. As customers make partial payments, you receive funds in milestones. You also get access to a dashboard to manage all transactions.

Lipa · Polepole · Rahisi

Sachapay is built on three powerful payment principles:

  • Lipa: Make secure payments digitally — mobile money or card.
  • Polepole: Break down large purchases into smaller, stress-free amounts.
  • Rahisi: The whole process is made simple — no credit checks, no hidden charges.

Full Payment Journey

  1. Client signs up and verifies their identity.
  2. Client browses merchant items or services.
  3. Client selects an item and chooses a payment option (partial or full).
  4. Deposit is paid, and payment plan begins.
  5. Client pays over time while tracking progress.
  6. Merchant is paid in phases as milestones are met.
  7. Upon full payment, product/service is marked complete and delivered/finalized.

Ready to join?

Sign Up as Client Become a Merchant