Buy now, pay later offered by you,
powered by equipifi

Stay connected with your members through buy now, pay later  

  • User-friendly mobile interface for easy loan review and acceptance in seconds   
  • Omnichannel commerce capabilities for both online and in store shopping
  • Consolidated dashboard to view and manage multiple loans 


Drive adoption, grow membership, and improve experience

  • Understand how members interact with buy now, pay later offers to deepen engagement
  • Know how members are spending and what they are buying to personalize offers
  • Identify high performing merchant categories to anticipate demand

Stay connected throughout the membership journey

Automated decision workflow


Members receive pre-approved offers for qualifying purchases, select plan, and complete loan transaction, all without manual intervention



Mobile-first and omnichannel


Seamlessly adjust to payment preferences of user base, increasing new loans and usage to stay top of wallet

Visibility to cardholder preference


Stay ahead of competition and trends via real time insights to payment behaviors, retailer preference, and other data to unlock future growth

Our proprietary decision engine uses machine learning for


Cash Flow Underwriting

Utilize account data to forecast members' ability to repay, keeping delinquencies low


Automated Marketing

Leverage real time transaction data to design marketing campaigns encouraging use of your bank’s BNPL


Personalized Offers

Build member personas based on spending data to generate targeted offers at preferred retailer categories


Sync instantly to your banking core 

  • Stay connected with your members during their everyday purchases
    Offer your members buy now, pay later plans the moment they have qualifying purchases
  • Process plan details immediately
    Both you and your members receive instant access to loan information  
  • Give your members access to cash now
    Cash is available in the account and on mobile banking app within moments 


Leave membership adoption and education to us

No need to create anything new. equipifi's got all your introduction and engagement content covered.

  • Turnkey content to introduce your bank's buy now, pay later solution to members already familiar with this payment option
  • Engagement campaigns to educate your members on the industry standard of BNPL, and why that is your solution
  • Ongoing thought leadership and marketing content white labeled for your bank to increase adoption