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Product
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Pre-Purchase
Real-time funds before checkout
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Post-Purchase
Split larger purchases after the spend
Platform
reporting
Reporting
Real-time program visibility
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Loan Management
View and manage your loan portfolio
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Risk Management
Design your program, your way
marketing
Marketing
Engagement tools to grow adoption
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Integration
Built into your banking technology
By Use Case
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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
checking-account
Checking Accounts
Flexible funds, available on demand
engagement
Digital Engagement
Drive value, not just touch points
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Installment Lending
Automate responsible borrowing
wellness
Financial Wellness
Grow financial strength and resilience
Discover
money
Purchasing Power
Why real-time flexible payments matter
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Events & Webinar
Meet equipifi live and on-demand
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Blog
Stay close to what we're building
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Newsletter
Insights and innovations in BNPL
Connect
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Press
News and announcements
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Career
Build with us
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Annual Conference
The only conference dedicated to FI BNPL
Buy Now, Pay Later
The fastest growing payment method, built for FIs

Own the payment experience your consumers already want.

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BNPL has become the preferred way to pay for mainstream consumers

equipifi is the only platform that launches a branded BNPL program fully owned by you. 
Our platform is designed to plug FIs frictionlessly into every step of the purchase-to-payment journey.

Meet new payment expectations

No credit check, no application. equipifi’s platform generates pre-qualified BNPL offers based on real-time purchasing power.

Stay competitive with third-party BNPL

Your customers and members are already using BNPL from external providers. Prevent attrition and displacement by launching a competitive product in-house.

Grow engagement & market share

Meet consumers where they are. Attract new accounts and deepen existing relationships by becoming the go-to tool for purchasing and budgeting.

Automate responsible borrowing

Give consumers access to funds they can afford through BNPL offers that reflect financial context and account history.

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“Banks that match fintech payment offerings and market them seriously are defending their deposit bases successfully. Those dragging their feet are suffering measurably higher attrition.”

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Keep engagement & deposits in-house

Did you know...
95%
of BNPL transactions today takes place through fintech providers, who actively displace existing banking relationships. 
Did you know...
8%
of all active debit cards in the U.S. are issued by fintech companies, all of which offer BNPL as a method of acquiring new users.  
Did you know...
71%
of BNPL users would prefer the service from financial institutions, and find it significantly more satisfying than with fintech BNPL. 
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“We invested in BNPL as a way to be at the forefront of what's happening in the payments industry. We see that as the future of payments.” 
- Ben Maxim, Chief Technology Officer
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“30% of our members were already using BNPL. As a member-focused credit union, we knew it was imperative that we offered it in-house.” 
- Ashley Madala, Chief Lending Officer
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“We're in a hyper competitive environment with very large financial institutions all around us. We need technology to differentiate ourselves and play bigger.” 
- Pierre Cardenas, Chief Executive Officer

Why invest in your own BNPL program

 

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Be a lender, not a referral channel


Launch a BNPL program that keeps origination and servicing under your charter. equipifi activates credit capabilities on your debit products and keep interest income yours.

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Keep program benefits in-house


BNPL is an engagement driver that has a halo effect on adjacent financial products. equipifi ensures that your program is enhancing your cards, your accounts, and your relationships.

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Ensure that your brand wins


equipifi's white labeled BNPL ensures that every transaction reinforces your brand and deepen your relationship with members and customers.

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Choose your own parameters


Rates move. Priorities shift. equipifi's platform keeps risk and parameter adjustments for your BNPL program with you, so eligibility, loan limits, and terms can be managed at scale.

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Integrated with your existing technology

equipifi’s platform integrates with all major banking cores and digital banking platforms. With integration guides and API documentation, we are ready to get you up and running fast.

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Keep your banking relationships where they belong

FAQs

How does Buy Now, Pay Later work? Buy Now, Pay Later is a purchase financing program that helps consumers split large purchases to pay over time through a short-term installment loan. When powered by equipifi, BNPL from financial institutions activate pay over time capabilities across existing debit cards and checking accounts, allowing customers and members to turn to their trusted bank or credit union for this service. Users receive pre-qualified BNPL offers in their online banking and mobile app that is tailored to their financial context, and can quickly obtain extra funds for a future purchase or split payment for an eligible transaction.
Who uses BNPL from financial institutions? BNPL appeals to all demographics and income levels, with financial institutions seeing adoption across the membership/customer base. While equipifi’s aggregate data suggests BNPL from financial institutions to be most popular with Millennial and Gen X consumers, your results will most likely be reflective of the demographic of your account holders and your institutional eligibility parameters.
How is eligibility determined? Eligibility is determined based on a varieties of account and transaction level inputs, determined by your financial institution to align with your internal goals and risk tolerance. Our out-of-the-box settings are designed to serve mainstream consumers with moderate profiles and consistent cash flow. Credit scores are not necessary to determine eligibility.
How long does it take to go live?

We’re integrated with most major banking cores and digital banking platforms, and have turnkey guides and an onboarding process designed to get you up and running fast. Our standard go-live process takes place over 8 weeks and requires a total of 10 hours from your internal team, but can vary depending on the complexity of your existing tech stack. Financial institutions have gone live in as little as 32 days!

Learn more about integration → 
Can this product drive revenue?

BNPL is an engagement driver that can also bring in revenue through net new interest income and new growth opportunity. Our standard connection process requires minimal manual maintenance and technical resources, so that you can increase ROI and manage the program at scale.

Learn more about loan management → 
How can I manage delinquency risks?

As a BNPL platform, equipifi allows you full access to your program parameters so that you can determine your BNPL settings and limits based on your institutional goals and risk tolerance.

Learn more about underwriting → 
What can I expect from program adoption? Most financial institutions see immediate organic discovery and usage of the program upon going live. equipifi provides automated offer notifications, seasonal marketing campaigns, and other growth tools to help drive awareness and adoption.
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