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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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Design your program, your way
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Engagement tools to grow adoption

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Built into your banking technology

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Buy Now, Pay Later

Own BNPL inside your banking experience

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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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Installment Lending
Automate responsible borrowing
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Grow financial strength and resilience

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Why real-time flexible payments matter

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Meet equipifi live and on-demand

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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 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 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 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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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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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 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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Casey FieldDec 17, 2022 10:37:14 PM6 min read

Next Gen Consumer Expectations and Habits for Flexible Spending

It comes as no surprise that Buy Now, Pay Later (BNPL) and its growth as a preferred ...
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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 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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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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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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