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

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Real-time program visibility
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View and manage your loan portfolio

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Engagement tools to grow adoption

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Buy Now, Pay Later

Own BNPL inside your banking experience

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Debit Cards

Flexible financing on debit transactions

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Checking Accounts

Flexible funds, available on demand

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Drive value, not just touch points
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Automate responsible borrowing
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Why real-time flexible payments matter

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Annual Conference

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Buy Now, Pay Later with equipifi

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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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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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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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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Pat ScherzNov 10, 2021 5:44:42 PM3 min read

What metrics should banks and credit unions track for Buy Now, Pay Later?

At its core, BNPL offers loans to members to expand their buying power. Its primary KPIs ...
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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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