HappyLend is a Moscow-based fintech company, established in 2016 that revolutionizes online POS finance. Our solution – HappyLend marketplace platform – makes online POS lending fast, easy and transparent. The platform is integrated with major retailers in Russia and is linked to multiple banks and micro lenders. It has its own advanced anti-fraud system and scoring algorithms. 7Seconds makes it possible for shoppers to split the payment into monthly instalments with a low or zero interest rate while the merchants get paid instantly.