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Buy Now, Pay Later

Scalable, flexible Buy Now, Pay Later decisioning technology to mitigate risk and maximize returns.
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6x
decisioning capacity improvement
tbi
57%
cheaper product go-live
sofi
<1
second decisioning time
newday

Power accurate decisions and agile growth with Buy Now, Pay Later lending technology that shifts from acquisition to longer-term profitability, without sacrificing your risk strategy, or the customer experience.

Get the right data at the right time, integrated directly with your decisioning processes to make accurate decisions – instantly.

  • Enable accurate fraud and credit risk decisions, with both traditional and alternative data sources integrated directly into your decisioning processes
  • Streamline onboarding for customers and new merchants alike, and reduce abandonment, with fully automated, seamless onboarding
  • Encourage financial inclusion with streamlined data orchestration and embedded intelligence for accurate, real-time lending decisions

Keep up with market evolution and changing compliance demands, with the ability to rapidly adjust risk strategies with a low code, drag-and-drop UI.

  • Respond to consumer and market shifts with business-friendly configuration tools that allow you to create and change decisioning processes quickly
  • Get new product offerings to market faster with the ability to make changes in real-time, without IT and outside vendor reliance (but we’re here if you need us)
  • Ensure compliance with evolving legislation with a future-proof technology foundation that adapts and scales as you need it

Maximize customer lifetime value with optimized lending strategies and decisioning processes that reduce bad rates and enable sustainable growth.

  • Continuously optimize your strategy to reflect growth goals, with embedded intelligence, pre-configured reports, and visualization dashboards that offer real-time views of decisioning performance
  • Improve the customer experience and minimize processing latency with autoscaling infrastructure
  • Eliminate silos with a holistic, end-to-end platform that combines data, case management, decisioning. and embedded intelligence
Make accurate lending decisions in real-time
Get the right data at the right time, integrated directly with your decisioning processes to make accurate decisions – instantly.
  • Enable accurate fraud and credit risk decisions, with both traditional and alternative data sources integrated directly into your decisioning processes
  • Streamline onboarding for customers and new merchants alike, and reduce abandonment, with fully automated, seamless onboarding
  • Encourage financial inclusion with streamlined data orchestration and embedded intelligence for accurate, real-time lending decisions
Easily adapt to regulatory changes and market evolution
Keep up with market evolution and changing compliance demands, with the ability to rapidly adjust risk strategies with a low code, drag-and-drop UI.
  • Respond to consumer and market shifts with business-friendly configuration tools that allow you to create and change decisioning processes quickly
  • Get new product offerings to market faster with the ability to make changes in real-time, without IT and outside vendor reliance (but we’re here if you need us)
  • Ensure compliance with evolving legislation with a future-proof technology foundation that adapts and scales as you need it
Enable sustainable profitability and growth
Maximize customer lifetime value with optimized lending strategies and decisioning processes that reduce bad rates and enable sustainable growth.
  • Continuously optimize your strategy to reflect growth goals, with embedded intelligence, pre-configured reports, and visualization dashboards that offer real-time views of decisioning performance
  • Improve the customer experience and minimize processing latency with autoscaling infrastructure
  • Eliminate silos with a holistic, end-to-end platform that combines data, case management, decisioning. and embedded intelligence

How can we optimize your

Buy Now, Pay Later strategy?

How can we optimize your Buy Now, Pay Later strategy?

Discover where we help and when we’re used.

Credit Risk Onboarding

Seamless credit risk onboarding for merchants and customers.
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Customer Management

Proactive customer engagement to maximize lifetime value.
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Collections

Fair collections strategies to maximize the chance for ongoing credit relationships.
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Fraud & Identity

Smarter application fraud detection and streamlined investigations.
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BNPL RESOURCE LIBRARY

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Balance risk with opportunity across the customer lifecycle.

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