Sales retail financing.For Merchants.

Increase revenue by pushing conversions and grow basket size.

BNPL is the prerequisite to reach a new generation of consumers by offering their preferred payment method. With adding BNPL-as-a-Service you can increase sales and improve customer lifetime value. Best of all, go live in weeks.

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Consumers lovebuy now, pay later

75%

of buy now, pay later

users are from

Gen Y & Z.

Source. eMarketer

+ 30%

e-commerce check out rates.

Source: Credi2 GmbH

58%

of consumers are less

financially dependent

and more flexible

with BNPL.

Source: Credi2 study, 2021

eCommerce & point of sale benefits

Grow with a game changing retail financing solution.

Push conversions by 15-30%,
Address the 'rent' vs. 'own' trend of Gen Y & Z with subscription payments,
Optimize 100% of the customer journey, and
Increase transaction transparency & boost customer satisfaction.

“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
“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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"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

Best Sales Financing?We'll do that for you.

Offer your consumers the ideal retail financing methods to grow your business. Easily increase basket size, conversions and therefore revenues.

Pay per invoice
Split pay
Installment loan
Revolving credit
Subscription

Pay per invoice

Consumers pay the purchase balance by invoice after a term of typically 14 days - free of interest. This financing flexiblity also works seamlessly with return management of goods.
Split pay

The fastest installment in 3-5 min allows to typcially pay later in 3-12 monthly installments. Depending on the credit score typcially up to €5,000.
Installment loan

A fully fletched credit in 5-10 min drives sales for high value products or big baskets up to e.g. €50,000. Duration can be flexible adjusted and installments can go to 84 months.
Revolving credit

This credit based product offers consumers maxium flexibility in terms of installment rates, credit duration and repayments options in combination with a fix credit line.
Subscription

Rent instead of own. Reach new target groups and push conversion and repurchase rates. Offer Gen Y & Z maximum financing flexibilty incl. automated product upgrades and leverage the circluar economy.

Pay later solution casesfor merchants

Rent instead of own. Offer max. financing flexibilty incl. automated product upgrades, even lower prices and leverage the circluar economy.

eCommerce
Point of sale
Subscription

eCommerce

Nowdays 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 popluar split pay or pay on invoice payments based on your own white-labled BNPL platform comes with more control, better commercial rates und ultimatly 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 expierence and therefore the same payment flexiblity at the physcial 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. By reliefing store staff from complex processes. By that retailers benefit from higher shopping baskets and more revenue. Banks and Retail can unleash this untapped potential.
Subscription

Driven by sustainability, circular economy and the rent vs. own reality modern subscription methods envolved, going beyond known retail financing advantages. Increasing avg. shopping baskets by 20%, trippling repurchase rates and massivley driving customer life time value (CLV) subscriptions is what Gen Y & Z expect. Retailers will therefore benefit when introducing this hardware-as-a-service solution with their own branding, tailored integration and perfectly synced customer journey.