Hi there,we are credi2

The pay later platform company.

Credi2 is a leading European fintech that provides credit- and factoring-based "Pay Later" products for financial institutions with a white-label approach.

Based on the leading PayLater-as-a-Service platform, banks and credit card providers can quickly supply end-to-end digital products for consumers, merchants and marketplaces and operate them at lower costs.

Due to the modular approach and automated processes, financial institutions can benefit from the tremendously growing BNPL market, by introducing customer centric state of the art digital products in a matter of weeks.  

Founded in 2015, credi2 evolved from a B2C start up to an established B2B leader pay later sector with over 90 employees from 19 nationalities. Esteemed market researcher Juniper Research has named Credi2 the leading BNPL white-label provider for lenders in 2022. We are proud to serve champions like Apple, Visa, Deutsche Bank, Creditplus Bank, Raiffeisen Bank International, Volkswagen Financial Services, and cyberport.

#1

White lable BNPL provider for Banks & Issuers

Source: Juniper Research

1,300

partner merchants connected in Central Europe

10+

years of Buy Now, Pay Later expertise. Trusted by champions

Our mission

We change the game in retail finance in favor of banks, issuers, and merchants to beat current BNPL offerings with an unmatched white-label BNPL offering and product experience. By doing so we enable our customers to enter the billion € BNPL market easily, quickly, and securely to win millions of new consumers and grow significantly.

Our story so far

  • VW Bank launches instant loan
  • #1 white label BNPL provider
  • Credi2 receives ISO certification
  • RBI takes over cashpresso
  • Launch Apple Subscription
  • Launch FINANCE A BIKE
  • Launch cashpresso

  • VW Bank launches instant loan

    10/2022: Together with credi2, Volkswagen Bank launches new instant loan 

    For all VW group brands

    Financing all products and services except cars at German merchant network. Net loan amount freely selectable between EUR 500 and EUR 12,000. The term of the loan can be freely selected between 6, 12, 18, 24, 36, 48, 60, 72 or 84 months.

  • #1 white label BNPL provider

    10/2022: Credi2 named #1 white label BNPL provider

    Juniper Research...

     

    freedom

  • Credi2 receives ISO certification

    01/2022: Credi2 receives ISO 27001 and ISO 27701 certification

    High standard in handling
    sensitive data

    With the ISO certification, credi2 receives TÜV AUSTRIA’s seal of approval for data protection and information security.

     

    ISO Certification

  • RBI takes over cashpresso

    04/2021 - RBI takes over cashpresso

    Expansion to Central Eastern Europe

    cashpresso – flexible payment in installments with a 10 min sign-up process. By working with credi2, Raiffeisen Bank International was able to introduce cashpresso, a user-friendly buy now, pay later payment method, in a very short period of time.

    Cashpresso

  • Launch Apple Subscription

    11/2020 Launch of Apple subscription model 

    Renting instead of owning 

    The official Apple subscription program for merchants, e.g., Cyberport, Gravis, McSHARK in Germany and Austria. Customers are able to subscribe their Apple devices online and in-store. It's not only a smart alternative to buying, but also simple, convenient and affordable. 

  • Launch FINANCE A BIKE

    11/2018 - Launch FINANCE A BIKE

    >1,300 merchants in Germany

    FINANCE A BIKE – a simple and flexible way to finance bicycles: up to € 12,000 in 6 min. The cooperation with credi2 not only made it possible for Volkswagen Bank to enter the bicycle market, but it also enabled the company to further expand its digitization strategy – all of that within only 4 months.

  • Launch cashpresso

    09/2016 - Launch cashpresso

    Award winning digital lending product 

    Credit line - access up to €1.500 within 10 minutes. Special conditions in partner shops: no interest due for the first 60 days at each purchase and the interest is charged from the 3rd month on.

    Cashpresso

Our leadership team

Back in 2015, our three founders Daniel, Jörg and Michael had the vision to build unmatched pay later solutions for the 21st century: Embedded finance by design is intuitive to use and seamlessly integrated into the digital world. In 2022 Christian joined the leadership as Co-CEO to jointly accelerate credi2's growth.

Trusted by champions

What we do. How we work.We are looking for you.

Let's grow together.

Career

Corporate Social Responsibility

At credi2, we are well aware of our social responsibility. As an international team, we experience every day how communities benefit from diversity, multilingualism and cultural exchange. The Ute Bock Foundation committed itself to supporting refugees from the moment they arrive in the Austrian capital, offering help ranging from basic welfare to childcare and language support. As the Ute Bock Foundation is massively dependent on financial and organizational assistance, it is our ambition to jump in where the NGO quickly reaches its limits. We are in close and regular contact with the organization, helping to organize events and fundraising campaigns with our energetic volunteers.
 

Awards

  • Scale Up Badge

    Credi2 was ranked among the top ten scale-ups 2022 by EY Austria.

  • Credi2 was nominated as no.1 white-label buy now, pay later provider by Juniper Research. 

  • Credi2 was voted 12th by the top-class trend jury.

  • cashpresso took first place with 4.9 out of 5 stars in the "Payment Service" category of the LangZeitTest 2020.

  • cashpresso is recognized as the best payment solution, especially due to the increasing importance of the installment purchase, and wins the German E-Commerce Award.