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Launch your white-label BNPL solution today.

Lenders and Merchants; run your own trusted white label pay later solution. Enter the trillion-dollar market and reach new target groups.

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The Pay Later opportunity

$995 bln

BNPL market size
by 2026.

Source: Juniper Research

50%

of consumers have used BNPL services.

Source: The Ascent

85%

User base increase between 2020 and 2021 for BNPL services.

Source: PYMNTS

More revenue?We'll do that for you.

Our pay later solutions create a new growth channel and seamlessly compliment other payment methods.

Hello Banks

Deploy your trusted BNPL solution to any eCom or POS channel. 100% compliant & modular.

more info

Hello Merchants

Easily open up new revenue streams with our white-label BNPL solution.

MORE INFO

White-label BNPL benefits

Banks, issuers, and merchants top 5 benefits from credi2's Pay Later platform

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  • No IT and operation hassle

    Smooth integration of risk managment, collection process, account management, and customer service

  • Modular & scalable

    Unbeatable time-to-value as well as plug & play design

  • 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 product range

    Retail financing at its best: factoring, credit and rent  

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The right financing product for your business model.

The credi2 BNPL platform offers five flexible white-label financing products, all of which can be easily embedded at any merchant's POS or issuer application.

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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 uninterrupted experience with your own branded BNPL solution built on the award winning & secure credi2 white label solution. Join household names already working with us.

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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 

    EXPLORE 

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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

    EXPLORE 

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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

    Explore

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

    René Bittner
    CEO procurement
    Cyberport

    Explore

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Pay later solution cases

Rent instead of own. Maximum financing flexibility, allowing for automated product upgrades and even lower financing prices. Join the growing BNPL economy.

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  • eCommerce
  • Point of sale
  • Subscription
  • Virtual BNPL credit card
  • Consumer cash loan
  • eCommerce

    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

    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

    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.

  • Virtual BNPL credit card

    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.

  • Consumer 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 pay laterwhite label platform

BNPL-as-a-service liberates you.

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

Set the financing standard.

Benefits for leveraging credi2's trusted BNPL platform.

  1. Operate your BNPL solution (branded/white label) without development and operation hassles
  2. Fast going to market with a state of the art BNPL solution including an unmachted pay later product portfolio
  3. Reach new customers, easily scale to other markets and grow your top line

We've got you covered.

We are ready to work together.
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.

Credi2 develops joint BNPL solution with Visa

Find out more about the partnership. More information in English to come.

Read more

Read more: Credi2 develops joint BNPL solution with Visa
Trends

Consumer Behavior Rethought

Study: Why the Buy now, pay later market is booming

Read more

Read more: Consumer Behavior Rethought

Ready to get started?Simply say yes to credi2.

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