Embedding Lending as a serviceFor banks & issuers.

The Embedded Lending platform for banks, issuers and processors.

Credi2's white-label platform seamlessly embeds any instalment or BNPL based financing solution with your merchant or digital financing touchpoint. ISO 27001 & 27701 certified.

Talk to an Expert

Launch your end-to-end instalment & BNPL solution.

We got you covered.

  • Credit, debit, or factoring based financing types
  • Merchant-led, bank-led, or issuer-led (B2C, B2B)
  • White-label consumer & merchant front-ends
  • Core banking modules incl. account management
  • Automated onboarding including operations, KYC and risk checks

Launching BNPL and instalment productsThe challenges.

According to our research, almost 80% of lenders' internal banking systems are not ready to launch their own BNPL or instalment product. The most common challenges lenders face revolve mainly around the lack of know-how and IT resources.

Key platform features

Jump to end of slider
  • Core banking modules
  • Portals & APIs
  • Automated operation
  • Core banking modules

    Credi2's core banking modules bypass complex IT integration.

    • Account / subledger management
    • Risk & scoring operation
    • Payment, collection & reconciliation
    • Reporting
  • Portals & APIs

    Our white-label Pay Later portal and APIs support a fast launch and best user experience.

    • Consumer, merchant and issuer front-ends
    • Credit-, and factoring financing
    • eCom, POS and mobile optimized
    • EU-compliant 
  • Automated operation

    Efficiency and scale come from automated operation and results in optimized total cost of ownership.

    • KYC & onboarding automation
    • IT & data management
    • CRM / in-life communication
    • 3rd party services
Jump to start of slider

Platform architecture

How to get started

Credi2 follows a modular and phased approach when launching your Pay Later solution within weeks.

Rakete - innovators


  1. Definition of solution requirements
  2. User journeys, prototypes
  3. Technical specs
  4. Integration needs
  5. Operation and SLAs


  1. Orchestration of platform modules
  2. Specific client integration needs
  3. Risk and legal alignments
  4. Process setup
  5. Tests and going live


  1. On-boarding/KYC & Risk
  2. Account Management
  3. Collection & Repayment
  4. IT/Data maintenance
  5. Customer service

Ready to get started?Simply say yes to credi2.

Any Questions?We have the answers.

Please reach out to us to learn more about how credi2 can revolutionize your BNPL customer experience.

Christian Waldheim Portrait

Christian C. Waldheim

We are ready to work together.

Credi2 solutions fully utilize and adapt to bank/issuers’ existing infrastructure. This ranges from full integrations towards financial account systems e.g., SAP by management of main and subledger, to more lightweight portfolio reporting where the accounting is performed based on the provided data by our partners.

All risk and onboarding services can be operated and fully managed by credi2 on behalf of our partners services in close cooperation.

Serveral approaches can be offered when using the credi2 solutions. From direct connection to the credi2 systems, through usage of the lender owned systems up to using PSP's the lender operates with.

Credi2 service offer fully automated billing and settlement for its partners. Billing a settlement processes vary based on the product, usually gross and net settlement are preferred options

All credi2 solutions can be integrated direct API connections, hosted payment pages or overlay based integrations. All integration possibilites can be offered as plugin solutions.

Credi2 is ISO 27001 (IT Security) and ISO 27701 (GDPR) certified.