Requirement: pay later feature to enable customers pay after they bought the product.
1)Integrate with insurance companies that take care of the payment after the customer has purchased the product.
Insurance companies can build credit score for a customer either on the basis of customer's purchase on the webesite or overall customer credit score.
2) Take credit card info of the customer and deduct the payment after n days(say, within 90 days)
Either deduct the payment on the EMI basis or in single go at a particular day after the purchase (defined by user at the time of purchase)