BNPL is here to stay.Numbers prove it.
Buy now, pay later
market size in 2026.
Source: Juniper Research
BNPL users by 2027.
Source: Juniper Research
of consumers appreciate the simple application process for BNPL.
Source: Credi2 study, 2021
The omni-channel financing standard.
Benefits for banks and issuers leveraging credi2's BNPL-as-a-service platform.
- Fast time to market. Launch within weeks. Online. Mobile. Point of Sale,
- Easily enter the BNPL market with an industry leading end-to-end solution,
- Add incremental growth by reaching Gen Y & Z, and
- Reduce implementation efforts and costs significantly.
What our customers say
The right financing product for your business model.
The credi2 BNPL platform offers four flexible white-label financing products, which can be easily embedded at any merchant's POS or issuer application.
- Pay per invoice
- Split pay
- Installment loan
- Revolving credit
Pay later use cases
Buy now, pay later covers pre-, during-, and post-purchase use cases along the customer journey.
Banks and retail can leverage their unique advantages through credi2's pay later platform.
- Point of Sale
- Virtual BNPL credit card
- Consumer cash loan
Nowadays buy now, pay later financing methods are responsible for up to 70% of check-outs. Furthermore, they push revenues by up to 15-30% in many verticals by attracting new incremental target groups like Gen Y & Z. Offering popular split pay or payable by invoice payments based on your own white-labeled BNPL platform comes with more control, better commercial rates and ultimately more revenue. Banks and retail can leverage their unique advantages through credi2's pay later platform.
Point of Sale
Consumers expect a seamless omni-channel experience and therefore the same payment flexibility at the physical POS. With modern, easy to use, fast and 100% digital retail financing methods like installment loans, split pay or pay on invoice, consumers can be served with the same advantages known from eCommerce. Release store staff from complex processes, while benefitting from bigger shopping baskets and more revenue. Banks and Retail can unleash this untapped potential.
Virtual BNPL credit card
Issuers can easily enter the buy now, pay later market by leveraging their unique positioning and being the inventors of pay later payments decades ago. By offering pre- and post-purchase instalments, linked to a virtual BNPL charge card, any credit card transaction can be converted into an installment solution. Offering consumers more flexibility and product convenience. Issuers can therefore build up a credit book to create new revenue streams and offer an alternative to embedded BNPL solution.
Consumer cash loan
Offering a cash loan within 10-15min, under your brand, fully digital. That's what many financial players would do too. Serving consumers when they need smart liquity management. Credi2's fully digital platform deploys instalments loans under your banks brand, by liberating you from all IT, operation and product hassles, so you can focus on going to market.
The market favors lenders to take over the BNPL lead.
Tighter EU regulation for BNPL & higher refinancing costs clearly favor banks and issuers to step into the BNPL market and take over.
Generation Y & Z favor flexible buy now, pay later driving 274% growth, creating a $1 trillion opportunity by 2026.
42% of consumers want credit card linked BNPL.
Post-purchase installments to generate 200-300% CAGR.
Credi2 develops joint BNPL solution with Visa
Consumer Behavior Rethought
We are ready to work together.
The credi2 solutions offer a variety of risk- and onboarding models for customers. From a simple credit scoring including basic identification and fraud prevention mechanisms up to a fully AML-compliant customer onboarding including QES service can be provided. The provided models and processes comply with regulatory requirements to fit the products offered best.
The risk and onboarding solution of credi2 services are configured and setup based on your individual needs and specifications. All solutions can be adjusted to your needs ranging from incorporation your preferred partners to utilization of your existing models and services.
Customer and merchant portals can be provided and offer e.g. transaction and payment overviews, payment management and reporting and document management capabilites.
All services and solutions can be operated as white label services or as partner branded solutions.