"Visa and credi2 develop joint BNPL solution" "Visa and credi2 develop joint BNPL solution" "Visa and credi2 develop joint BNPL solution" "Visa and credi2 develop joint BNPL solution" "Visa and credi2 develop joint BNPL solution"
"Visa and credi2 develop joint BNPL solution"
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The #1 platform forEmbedded Lending.

For Banks & Issuers. Launch your end-to-end instalment or BNPL solution. Enter a trillion-dollar market and reach new target groups. ISO-certified. With a fast time to market.

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The opportunity for banks

$995 bln

BNPL market size
by 2026.

Juniper Research


CAGR for embedded lending volume until 2028.

Goldman Sachs, EY-Parthenon


User base increase between 2020 and 2021 for BNPL services.


More revenue?We'll do that for you.

Our embedded financing platform empowers banks to effortlessly navigate the intricacies of core banking, end-to-end products, and automated operations.

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Hello Banks

Deploy your trusted instalment or BNPL solution to any eCom or POS channel. Compliant & modular.

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Hello Issuers

Launch your scheme-agnostic split pay feature for debit and credit cards. Powered by VISA.


Embedded lending platform benefits

Top benefits from credi2's embedded financing platform for banks & issuers for instalment and BNPL solutions.

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  • No IT and operation hassle

    By-pass or smoothly integrate with your core banking, risk managment, account management, collection process, and customer service. 

  • End-to-end product design

    Extensive pay later product range, all consumer and merchant front-ends, modular core banking features and automated operation.

  • Market proven & secure

    High level of information security and data protection with ISO 27001 | 27701

  • Fast time to market

    From the initial idea to the first live customer within weeks

  • Unmatched positioning 

    Ranked by Juniper Research as #1 white-label Pay Later platform for lender.

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The right embedded lending product.

Credi2's white label platform serves your business model with five flexible financing products. Easily embedded at any touchpoint and your core banking system.

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  • Pay per invoice
  • Split pay
  • Installment loan
  • Revolving credit
  • Subscription
  • Pay per invoice

    The eCommerce champion to drive conversions.

    Consumers pay the purchase balance by invoice after a term of typically 14 days - free of interest. This financing method provides convenient payment flexibility, just like charge cards do - but with less complication. Offer BNPL in weeks; the preferred payment method of your future customer base.

  • Split pay

    The fastest installment payment in 3-12 min.

    Split pay allows consumers to “pay later” through between 3-12 monthly installments. Depending on the consumer credit score, up to €5,000 can be applied to Split pay. This normally comes with a light KYC process to drive eCommerce conversions.

  • Installment loan

    A full fledged credit in 5-10 min.

    Credit based financing comes with full KYC for high value products or big baskets up to a worth of €50,000. Duration can be flexibly adjusted, and installments of up to 84 months are possible.

  • Revolving credit

    The flexible credit line.

    This credit-based product offers consumers maximum flexibility in terms of installment rates, credit duration, and repayment options in combination with a fixed credit line.

  • Subscription

    Rent instead of buy.

    Subscription financing takes the residual value into account and therefore reduces the monthly rental fee. The 'use' vs. 'buy' trend is addressed by this payment option and increases basket size and repurchase rates as well as increasing customer lifetime value.

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Trusted by champions

Offer your customers an unmachted experience with your own branded Pay Later solution built on the award winning & secure credi2 white label solution.

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  • Raiffeisen Bank International

    “Our partnership with credi2 has been key for establishing a fully digital 360° solution for our merchants. The necessary modules integrate seamlessly into our existing infrastructure and are highly configurable.”

    Petro Merkulov
    Head of Retail Products 


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  • „Credi2's BNPL-as-a-service platform seamlessly connects white label pay later products, bank services and automated operation at scale in one end-2-end solution.“ 

    Kilian Thalhammer
    Head of Merchant Solutions & Member of the Board


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  • VW Financial Service

    "With the credi2 platform we further automated our lending business, saved costs and shortened our time-to-market."

    Dr. Michael Reinhart
    Chairman of the Mgmt Board


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  • Cyberport

    “Thanks to the cooperation with credi2, we can reach even more customers with the Cyberport subscription model for Apple products.”

    René Bittner
    CEO procurement


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Top lendinguse cases

Enabling pre-, during-, and post-purchase financing. Omni-channel.

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  • eCommerce financing
  • Point of sale financing
  • Subscription payment
  • Instalment on cards
  • Cash loan
  • eCommerce financing

    Buy now, pay later financing methods are responsible for up to 70% of check outs. Furthermore, they push revenues up 15-30% in many verticals by attracting new incremental target groups such as Gen Y & Z. Offering popular split pay or payable by invoice options through your own white-labeled BNPL platform comes with more control, better commercial rates und ultimately more revenue. Banks and lenders can leverage their unique advantages through credi2's pay later platform.

  • Point of sale financing

    Consumers expect a seamless omni-channel expierence, including the same payment flexiblity at the physcial POS. With modern, easy to use, fast, and 100% digital retail financing, consumers can be experience the same advantages that eCommerce has offfered for years. Installment loans, split pay or payble by invoice are available without complex processes. Retailers benefit from higher shopping baskets and more revenue. Banks and retail can easily unleash this untapped potential.

  • Subscription payment

    Driven by sustainability, circular economy and the rent vs. own mentality; subscription models have evolved significantly, going beyond the known retail financing advantages. Subscription models are increasing average shopping baskets by 20%, trippling repurchase rates and massivley driving customer life time value (CLV). Subscription models are what Gen Y & Z expect. Retailers therefore benefit greatly when introducing this hardware-as-a-service solution with their own branding, tailored integration, and perfectly synced customer journey.

  • Instalment on cards

    Issuers can easily enter the buy now, pay later market by leveraging their unique positioning since they are basically the inventors of pay later payments. Offer consumers flexibilit and product convenience with pre- and post purchase installments, linked to a virtual BNPL charge card, any credit card transaction can be converted into an installment solution. Issuers can therefore build up a credit book to create new revenue streams and offer an alternative to embedded BNPL solutions.

  • Cash loan

    Offer a cash loan within 10-15min, under your brand, fully digital, that's what many financial players want to have the flexibility to do. Credi2's fully digital platform deploys installments loans under your banks brand, by liberating you from all IT, operation and product hassles. Serve consumers when they need smart liquity management.

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The #1 embedded lending technology

Embedded Lending-as-a-service liberates you.

  • Skip integration, IT, and operation hassles,
  • Have any front-end, plugins, & APIs at a click,
  • Have reporting, KYC, & risk operated for you
  • With ISO 27001 & 27701 certification.
bnpl solutions consumer

The bank- & issuer-ledfinancing standard.

Benefits for leveraging credi2's trusted Embedded Lending platform.

  1. Operate your loan or BNPL based solution without development, operation or core banking hassles
  2. Fast going to market with a state of the art Pay Later solution including an unmachted financing product portfolio
  3. Reach new customers, easily scale to other markets and grow your top line

We've got you covered.

More questions?The top FAQs.

A BNPL solution is developed and operated on behalf of a e.g., of bank, which is offering the service to its merchant client. With its branding or the branding of the merchant. Credi2 then integrates the banks BNPL service into the merchant’s eCommerce and POS systems. Integration between credi2 and e.g., the bank systems is hardly needed - mostly connections for reporting and accounting is necessary, as credi2 runs the subledger, scoring/risk system and collection/repayment to name a few services. 

Credi2 supports in the following areas:

1. Enabling quick go to market through established solutions which can provide e2e usable products.

2. Removing complex and long technical setups and operating.

3. Providing years of BNPL experience and knowledge to identify and provide fitting solution with an end-to-end solution.

4. Handling of day 2 day services incl. data, - & storage management based on ISO certification.

The main reasion for BNPL relevance for commercial sucess are:

1. High acceptance and request from customers for payment options which are secure and comfortable to use

2. Offering financial flexibility and convenience

3. Adding a security layer from the consumer perspective: BUY the produt - SEE the product, accept the product, PAY the product

Credi2 offers the most versatile BNPL product range on its BNPL-as-a-service platform:

1. Split-pay

2. Payable by invoice

3. Installment loans

4. Revolving credit

5. Subscription 

Latest news

Read our blogs to understand more about credi2 and the entire BNPL space.


Launching a card-led installment product: The challenges

“Buy now pay later” - a huge trend in the payment industry, a powerful occurrence across industries,…

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Read more: Launching a card-led installment product: The challenges

Card-led pay later solutions are here to stay

Expanding consumer needs for digital and flexible payment options is changing the pay later…

Read more

Read more: Card-led pay later solutions are here to stay

Ready to get started?Simply say yes to credi2.

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