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Real-time funds before checkout
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Split larger purchases after the spend

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Buy Now, Pay Later

Own BNPL inside your banking experience

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Buy Now, Pay Later with equipifi

Lo SmithMar 23, 2026 7:36:06 PM2 min read

So You Want to Offer BNPL. Here’s What Actually Matters.

At this point, BNPL is not a “nice to have.” It’s table stakes.
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Brandon GuerreroFeb 26, 2026 9:14:43 AM3 min read

3 Common BNPL Strategies to Strengthen Your Financial Institution

Hundreds of financial institutions are launching in-house Buy Now, Pay Later (BNPL) ...
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Jazzy ZhuFeb 10, 2026 12:13:45 PM3 min read

Your Members and Customers Are Coming to Us for BNPL

Consumers are actively looking for Buy Now, Pay Later from the places they already trust ...
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Lo SmithJan 20, 2026 10:49:43 AM3 min read

It’s 2026. Where Is Your BNPL?

It’s 2026, and Buy Now, Pay Later isn’t some shiny new payments trend anymore. It’s just ...
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Jazzy ZhuDec 8, 2025 2:47:36 PM6 min read

Understanding BNPL and Creditworthiness (ft. TransUnion)

How is Buy Now, Pay Later (BNPL) usage impacting credit scores today? What do financial ...
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Jazzy ZhuNov 14, 2025 3:27:32 PM4 min read

Why BNPL Matters More Than Ever for 2025 Holidays

In the blink of an eye, we’re nearing Black Friday again.
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Jazzy ZhuMay 8, 2025 10:51:26 AM3 min read

Arizona Financial Credit Union’s Member-First BNPL

Buy Now, Pay Later (BNPL) is no longer a trend, it’s a shift in how consumers expect to ...
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Lo SmithApr 30, 2025 1:08:08 PM3 min read

What can banks learn about Coachella's BNPL strategy?

Each spring, over 250,000 music lovers travel to Coachella, a two-weekend festival ...
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Jazzy ZhuNov 26, 2024 11:58:13 AM3 min read

Black Friday 2024 Predictions for Bank BNPL

It’s nearly Black Friday! In eCommerce, the five days from Thanksgiving to Cyber Monday ...
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Lo SmithNov 18, 2024 12:57:48 PM3 min read

Why do Chief Lending Officers Love BNPL?

It’s 2025 budget & strategic planning season for financial institutions, and Buy Now, ...
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Brandon GuerreroNov 4, 2024 2:07:35 PM4 min read

Who is (Still) Afraid of BNPL?

It’s the end of 2024. Just like in Santa’s workshop, at equipifi we are busy at work with ...
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Pat ScherzJul 30, 2024 7:44:11 AM3 min read

Get a little more funds right now with BNPL 2.0

Never underestimate the impact of providing a little extra funds in a timely way. ...
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Pat ScherzJun 26, 2024 3:49:09 PM3 min read

Apple Discontinues Apple Pay Later to Expand Access to BNPL

Apple has announced that it will discontinue its Apple Pay Later program, choosing ...
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Bryce DeeneyMay 22, 2024 10:07:18 PM2 min read

The CFPB defines 3rd-party BNPL providers as “Credit Card Providers”

Regulatory insights on Buy Now, Pay Later (BNPL) are here.
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Michelle WilkinsonMar 29, 2024 12:22:51 PM3 min read

5 Regulatory Considerations for Software Enabled BNPL

While consumers have always needed to finance purchases, a BNPL solution hasn't always ...
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Lo SmithMar 27, 2024 12:18:06 PM2 min read

Here’s the Data on BNPL Delinquency and Risk

It can be tricky to evaluate innovative new lending products. Buy Now, Pay Later (BNPL) ...
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Pat ScherzFeb 29, 2024 1:22:59 PM3 min read

Debit Card BNPL vs. Credit Card BNPL

With rising consumer interest, Buy Now, Pay Later (BNPL) has become a must-have service, ...
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Jazzy ZhuFeb 26, 2024 2:10:58 PM4 min read

Answering the Member Demand for Credit Union BNPL

In response to rising member demand, financial institutions are offering their own Buy ...
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Josh WeinDec 14, 2023 12:49:32 PM3 min read

The End of FOMO for Buy Now, Pay Later

2023 has been huge for Buy Now, Pay Later (BNPL). The year started with the emergence of ...
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Lo SmithDec 1, 2023 1:14:00 PM3 min read

5 Common BNPL Myths Busted this Cyber Monday

Buy Now, Pay Later (BNPL) usage is at an all-time high, and the stats from Black Friday ...
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Michelle WilkinsonSep 7, 2023 11:52:10 AM4 min read

The Case for BNPL for Credit Unions in 2024

It’s time to revisit the credit union case for BNPL. Recently, Affirm released its own ...
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Jazzy ZhuSep 1, 2023 10:12:08 AM3 min read

4 Questions Credit Unions Ask About Buy Now, Pay Later

The inaugural Insights and Innovation in Buy Now, Pay Later Digital Forum took place on ...
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Bryce DeeneyAug 29, 2023 11:15:00 AM2 min read

Not Your Parents Debit Card Anymore

If you didn’t get a chance to read Affirm’s Quarterly Results (published last week), you ...
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Jazzy ZhuJul 11, 2023 2:21:22 PM4 min read

How Prime Day Grows Accounts, Deposits, and Engagement

No matter who you are, you’ve likely been receiving emails and ads about Amazon’s Prime ...
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Jazzy ZhuJun 15, 2023 11:52:47 AM4 min read

4 Strategies to Support Your Account Holders with Student Loans

Did you know that 45.9M Americans have student loan debt, which accounts for $1.7 ...
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Team equipifiMar 17, 2023 2:57:07 PM3 min read

Enhancing the Debit Card with Split Payments with ACU of Texas

This month, Associated Credit Union of Texas launched Buy Now, Pay Later (BNPL) on its ...
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Michelle WilkinsonAug 3, 2022 1:23:19 PM3 min read

US Consumers are Increasingly Using BNPL as Cost of Living Increases

As the cost of goods and services increase in the US, Americans want more buffer, ...
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Team equipifiJul 14, 2022 9:19:28 AM3 min read

The Regulatory Impact on the BNPL Landscape

BNPL has been heating up in the US for just over two years and industry growth is ...
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Team equipifiJun 29, 2022 12:52:49 PM2 min read

Prime Days are Important for Financial Institutions too

Prime Days are near and soon packages will be piling up on doorsteps all across the US. ...
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Bryce DeeneyJun 17, 2022 7:48:03 AM3 min read

Apple Pay Later, Pay Monthly, and the Growing Competition in the BNPL Market

Earlier this month during WWDC 2022, Apple announced that it was going to enter the BNPL ...
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Bryce DeeneyJun 8, 2022 12:03:58 PM2 min read

Riding the Debit Rails, BNPL in 2022

Buy Now, Pay Later (BNPL) has been in the news, and in 2022 it’s riding the debit rails. ...
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Bryce DeeneyMay 23, 2022 11:00:00 AM2 min read

equipifi Raises $12M in Series A Funding to Add BNPL to Banks and Credit Unions

I sit here this morning grateful, thrilled, and humbled to announce that equipifi has ...
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Michelle WilkinsonFeb 18, 2022 1:03:15 AM2 min read

Research Shows Banks and Credit Unions Poised to be Rising Stars of BNPL

As younger Americans make the move to more flexible financing options and consumers start ...
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Bryce DeeneyNov 4, 2021 5:00:00 AM1 min read

equipifi’s $3 Million Seed Round to Provide Banks and Credit Unions with Buy Now, Pay Later Solutions

equipifi is thrilled to announce that we’ve raised $3M in Seed funding, led by New Stack ...
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Team equipifiNov 2, 2021 11:25:16 PM2 min read

Want to stay connected to your members? Take them shopping.

Just two years ago, it was rare for a US based eCommerce website to offer buy now, pay ...
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Team equipifiNov 2, 2021 7:56:28 PM3 min read

The rise of buy now, pay later: a consumer financing love story

We've long known the overall concept of buy now, pay later. Being able to afford goods ...
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Team equipifiNov 2, 2021 10:04:53 AM2 min read

Are financial institutions the rising stars of buy now, pay later?

Like so many shifts in consumer financing options, buy now, pay later (BNPL) will become ...
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