Magento 2 BNPL Extension
on Adobe Commerce
Marketplace
Kuwait's first Sharia-compliant Buy Now, Pay Later payment method integrated directly into Magento checkout — published on the Adobe Commerce Marketplace with webhook sync, cron reconciliation, refund management, and full Arabic RTL support.
Overview
Deema is Kuwait's first Sharia-compliant Buy Now, Pay Later (BNPL) platform, regulated by the Central Bank of Kuwait and backed by a leading Islamic bank. The platform enables customers to split purchases into 0% interest monthly installments, making ecommerce purchases more accessible while remaining fully compliant with Islamic financial principles.
Esparks developed the official Deema BNPL Magento 2 extension, enabling merchants to integrate Deema as a native payment method directly within Magento checkout. The extension is:
- Published on the Adobe Commerce Marketplace
- Compatible with Magento Open Source 2.4
- Licensed under OSL-3.0
- Fully compliant with Adobe's strict extension quality requirements
The extension is actively maintained with 13+ releases, continuously improving performance, payment lifecycle handling, UI design, and compatibility.
The Challenge
Deema required a production-grade Magento extension capable of passing Adobe Commerce Marketplace's rigorous certification process while supporting the full BNPL payment lifecycle.
Full BNPL Payment Lifecycle
The extension had to support the complete payment workflow within Magento's native checkout:
- Integrate BNPL as a native Magento payment method
- Verify customer eligibility in real time via Deema API
- Confirm orders only after successful payment authorization
- Support merchant-initiated refunds from Magento Admin
- Process asynchronous payment updates through webhooks
Adobe Marketplace Certification
The extension had to pass six mandatory Adobe Marketplace quality checks:
- Magento coding standards compliance
- Installation and upgrade validation
- Security vulnerability scanning
- Functional manual QA testing
- Arabic RTL checkout support for regional merchants
- Data synchronization between Magento and Deema systems
Without passing all six Adobe quality gates, the extension could not be listed on the marketplace — meaning merchants could not discover or install Deema BNPL without custom development effort per store.
Our Solution
Esparks designed and implemented a native Magento 2 payment module that integrates Deema BNPL seamlessly into the checkout experience, covering the full payment lifecycle.
Native Magento Checkout Integration
The Deema BNPL extension appears as a standard Magento payment method, allowing customers to select Deema during checkout alongside all other payment options.
Customer selects Deema BNPL as their payment method at Magento checkout
Customer chooses an installment plan — 2, 3, or 4 months
Instant eligibility verification through Deema's REST API in real time
Order confirmation email triggered only after successful payment authorization — preventing invalid orders
Merchant receives full upfront payment from Deema — Deema handles installment collection directly with customers
Outcome: Customers can split purchases into 0% interest installments directly at checkout — no redirects, no separate BNPL apps, no custom development required by the merchant.
Merchant Admin & Refund Management
Merchants can manage all Deema BNPL transactions directly from the Magento Admin Panel without leaving the platform.
- View Deema payment status within order details
- Access transaction references and selected installment plans per order
- Initiate refunds directly from the Magento admin interface
- Automatic status synchronization with Deema systems after refund processing
Outcome: Merchants have complete control over BNPL transactions and refunds directly within Magento Admin — no separate Deema dashboard access required.
Webhook & Cron Synchronization
To ensure payment lifecycle reliability, the extension includes a dual-layer synchronization system that handles both real-time and delayed payment status updates.
- Webhook handling — Deema sends asynchronous payment events directly to Magento, updating order status in real time for events including payment confirmation, failed transactions, and refund processing
- Cron synchronization — Scheduled cron jobs periodically reconcile order states between Magento and Deema in cases where webhook delivery is delayed or fails
- Ensures payment data consistency across all merchant stores without manual intervention
Outcome: All Magento orders are kept in sync with Deema's payment system through both real-time webhooks and scheduled reconciliation — guaranteeing data accuracy even in edge cases.
RTL & Checkout UI Optimization
Because Deema operates in Arabic-speaking markets, the extension required full Right-to-Left (RTL) compatibility ensuring seamless operation across both English and Arabic Magento storefronts.
Outcome: The extension works seamlessly across both Arabic (RTL) and English (LTR) Magento storefronts, covering Deema's full GCC merchant base without additional configuration.
System Architecture
The extension follows Magento's modular payment architecture, ensuring secure and scalable integration with Deema's BNPL infrastructure.
Result: High reliability, secure transactions, and seamless merchant operations — fully compatible with Magento's modular extension architecture.
Results & Impact
Commerce Marketplace published
Versions released with improvements
Adobe quality gates passed
Arabic & English store support
Credit risk for merchants
Business Impact
Official publication on the Adobe Commerce Marketplace — available to any Magento 2.4 merchant globally
All six mandatory Adobe Marketplace quality gates passed including security scanning, coding standards, and manual QA
13+ extension versions released with continuous improvements to performance, UI, and payment lifecycle handling
Zero credit risk model for merchants — Deema pays upfront and handles installment collection directly with customers
Seamless Arabic RTL and English LTR checkout support, enabling Deema's adoption across Kuwait and the wider GCC ecommerce market without additional customization
Technology Stack
Final Outcome
Before
- BNPL required custom integration work per merchant store
- No native Magento payment method for Deema BNPL
- No merchant-initiated refund support from Magento Admin
- Arabic RTL storefronts not supported
After
- One-click install from Adobe Commerce Marketplace — zero custom development
- Native Magento 2 BNPL payment method with live eligibility verification
- Merchant-initiated refunds, webhook sync, and cron reconciliation built in
- Full RTL support for Arabic and LTR support for English storefronts
Conclusion
The Deema BNPL extension demonstrates how modern ecommerce platforms can integrate flexible financial services directly into the checkout experience. By combining Magento's modular architecture with Deema's BNPL infrastructure, the solution enables merchants to provide interest-free installment payments while maintaining a seamless and secure checkout flow. The successful publication on the Adobe Commerce Marketplace confirms the extension meets the highest standards for performance, security, and compatibility — giving any Magento 2.4 merchant instant access to Kuwait's first Sharia-compliant BNPL payment method.
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Start a ConversationFrequently Asked Questions
Buy Now, Pay Later (BNPL) allows customers to purchase products immediately and split the payment into multiple installments over time — often without interest or additional fees. At checkout, customers select a BNPL option, choose a repayment plan, and receive instant approval before completing their order.
BNPL has become a popular payment method across ecommerce markets, improving checkout conversion and increasing average order values by making purchases more affordable.
Deema is Kuwait's first Sharia-compliant BNPL platform, regulated by the Central Bank of Kuwait and backed by an Islamic bank. It enables customers to split ecommerce purchases into 0% interest monthly installments — fully compliant with Islamic financial principles.
Deema operates across Kuwait and the wider GCC, enabling both English and Arabic-speaking merchants to offer BNPL as a native checkout payment method.
Yes. Any merchant running Magento Open Source 2.4 can install the extension directly from the Adobe Commerce Marketplace. Once installed, Deema BNPL appears as a standard payment method in the Magento checkout alongside existing payment options — no custom development required.
When a customer selects Deema at checkout and chooses an installment plan (2, 3, or 4 months), the extension communicates with Deema's API in real time to verify eligibility and obtain payment authorization.
Order confirmation emails are only triggered after successful payment authorization — preventing merchants from processing orders against failed or pending BNPL approvals. Merchants receive full upfront payment from Deema.
Yes. Merchants can initiate refunds directly from the Magento admin panel, which automatically sends the refund request to Deema's payment system without any manual intervention in a separate dashboard. Refund support was introduced in version 4.2.9 of the extension.
✦ Order status is automatically updated in Magento after the refund is processed by Deema.
Yes. The extension includes full RTL (Right-to-Left) support, allowing it to function correctly in both Arabic and English Magento storefronts. The checkout UI, installment selector, and payment branding are all optimized for RTL layouts without requiring any additional configuration from the merchant.