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70% of consumers would prefer using BNPL from their trusted financial institution.

Move over Affirm,  Klarna, and PayPal. It's time for Bank BNPL.

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What is Bank BNPL?

Buy Now, Pay Later (BNPL) is a personal loan extended before, during, or after the point of sale to help consumers fit larger purchases into their budget.

Bank BNPL provides consumers the financial flexibility they want, from the credit provider they already trust, through offers that are delivered with their financial goals in mind.

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Personalized

leveraging consumer data to generate BNPL offers

accepted anywhere debit cards are accepted

within the existing banking experience  

and aligned with consumer protection guardrails

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YOUR DEBIT CARD AT THE TOP OF EVERY WALLET.

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The most effective way to grow and protect wallet share

From banking to shopping, the availability of BNPL increasingly drives consumer engagement.

To date, Apple Pay, Google Pay, Amazon, and Walmart have all released their own BNPL solutions. U.S. Bank has also introduced its own BNPL product. Many 3rd-party BNPL providers go on to issue their own debit cards.

The goal? Keeping their payment method top of wallet.

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Not your parents’ debit card anymore

BNPL is a debit card game, and split payments capabilities are a must have.

In 2022, the CFPB found that 89% of all 3rd-party BNPL repayment is being made on debit cards. Last year, Affirm’s debit card saw 75K+ new accounts opened monthly. Chase also launched Pay in 4 on its debit cards. Are your debit cards still competitive?

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of consumers would prefer BNPL from their bank over fintechs

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income users are the most active Bank BNPL users

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of Bank BNPL users will return within 3 months

%

of Bank BNPL users are Millennials, with cross-demographic engagement

%

of consumers would prefer BNPL from their bank over fintechs

$ k+

income users are the most active Bank BNPL users

%

of Bank BNPL users will return within 3 months

%

of Bank BNPL users are Millennials, with cross-demographic engagement

Flexibility for every financial moment.

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Everyday Expenses

Every shopping moment is a banking moment. Free up some cash flow with BNPL.

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Emergency Needs

From auto repairs to vet visits, pay for unexpected expenses over time with BNPL.

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Planned Purchases

Important moments come with stretched budgets. Offer BNPL for airfare, lodging, entertainment and more.

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Personal Budgeting

Give consumers a realistic and reliable picture of their spending power when they have BNPL.

Bank BNPL in the News

Join us in unlocking BNPL for millions of checking accounts today

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