Date of Foundation


Revolutionizing Malta's Shopping with Unified BNPL

The Idea origin story

Our startup, PayBuyBits, is set to redefine shopping in Malta by introducing a comprehensive Buy Now, Pay Later service. We aim to break down market fragmentation by offering a single payment solution that enhances convenience, transparency, and financial flexibility for customers across various merchants, thereby stimulating retail transactions in the local commerce.

The Mission

Vision: Transforming Malta's shopping landscape with seamless BNPL experiences. Mission: Simplifying purchases, empowering consumers, and fostering economic growth through unified payment solutions.


Our customers are retail shoppers, e-commerce platforms, SMEs, and local merchants in Malta seeking convenient payment solutions.

Problems we solve

Client’s problem

PayBuyBits resolves the inconvenience of navigating multiple payment schemes, saving users time, simplifying transactions, and reducing stress, while increasing merchant sales and user purchasing power.

Confirmation of problem

The actuality of the problem is confirmed by the fragmented payment landscape and the challenges faced by consumers in accessing convenient and unified payment options.


Our solution is an all-in-one buy now, pay later platform that consolidates various payment schemes for ease and efficiency.

Our technologies

This solution is based on technologies

How it works

PayBuyBits integrates effortlessly with any merchant, providing customers varied Buy Now Pay Later options in-store and online.

Value for the client

PayBuyBits offers simple, stress-free shopping with increased purchasing power and seamless payment solutions.

Market and strategy

Market size



We estimate the market size for which our solution is designed in monetary terms as follows

Market share goal


% of the market

Is our goal in the next 3 years


My name’s

David Ominiabohs

My key role in the product

My key role is a co-founder and developer, making me responsible for strategic decisions and driving software development within the startup.

Team size and key members

Our team comprises myself, Cornelius Udeh as Co-founder/developer, Aiseosa as Co-Founder/Designer and Tolu Aransiola in DevOps. Looking for Marketing & financial strategists.



We are cornering Malta's Buy Now, Pay Later (BNPL) market. Presently, we face no direct competitors within this local sphere. However, similar services exist in broader EU regions and beyond—leading names include Affirm, Scala, Klarna, Afterpay, Four and Splitit. Looking outwards for potential competition can stimulate productive growth strategies.

Our Advantages

We revolutionize payments with a unified Buy Now Pay Later solution, offering unrivaled convenience and transparency. Our pioneering app redefines the market standards, delivering an unparalleled user experience without paperwork from tested builders-cum-consumers.

Business model

We earn revenue through merchant fees, typically a percentage of each transaction, and interest charges on deferred payments by users.


We're making strides in our product development, having made significant progress with key features on the mobile app. We've also initiated work on the merchant web application to provide a holistic solution.

To continue providing credit, our startup requires increased capital. Your support ensures we maintain momentum, serving more customers with financial solutions.


Although in the construction phase, our tracking metrics would focus on transaction volume and customer acquisition cost for user adoption and revenue potential indication. We'd also eye merchant adoption rate to reflect market acceptance plus customer retention rates for user loyalty.


Our company incorporated in


Key risks

The primary risks could be market adoption reluctance, regulatory changes hampering BNPL services, emerging competitors in the unified payment landscape, cyber security threats and potential credit default from customers.




We raised investments

Our Investors

We the co-founders

Rising Investments



Currently, we are raising investments



Estimated pre-investment valuation of the company

We’re looking for a co-founders

Open positions



Additional information