The leading pay later platform. For banks & issuers.

BNPL-as-a-Service platform

Credi2's BNPL-as-a-Service platform seamlessly embeds any pay later solutions with your merchant or financing touchpoint. ISO 27001 & 27701 certified.

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Launch your end-to-end BNPL solution

Launch your end-to-end BNPL solution

Enter the trillion dollar BNPL market

In order to offer customers a flexible financing solution for bicycles, Volkswagen Bank needed a partner who had the necessary market knowledge, understood the needs of a bank while at the same time supporting the vision from a customer perspective and had the technical ability to develop an innovative BNPL solution.

Key platform features

Our modular and ISO-certified BNPL-as-a-service platform gives you the option to pick and choose the BNPL modules which fit you best. Core modules to bypass complex integration:

  • Account management (subledger)
  • KYC & risk model operation
  • Reporting (account and regulatory)
  • Merchant billing/settlement
  • Repayment operation
  • Data management and storage

Need to offer robust BNPL quickly?

Launch your ISO-certified BNPL solution within weeks.Through the modular design of the credi2 platform and our proven 3-step approach we get you live in record time. And of course under your brand.

How to get started

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


  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.