Powering Embedded Lending for Smooth In-Store Journeys
White-labeled embedded lending solutions for seamless in-store journeys. Zero point-of-sale integration required.
How the magic happens
- Origination – The application process
Customer applies in-store from their personal device, getting an instant decision.
- Disbursement of funds
Funds are immediately disbursed upon credit approval and issued securely to the customer’s device via a zero-integration virtual card.
- Payment
Payment is ‘business as usual’ for the merchant, just like with a credit card payment. Merchant is paid the full amount upfront, customer gets the goods.
Web push provisioning
Your customers can simply ‘tap to pay’ by adding their pre-loaded virtual card to their Apple Wallet or Google Wallet directly through their financing application. No app download needed.
QR code payments
Customer has no digital wallet? Prefer no manual virtual card number entry? Challenge accepted!
Your customers receive the virtual card as a QR Code on their mobile and simply scan to pay at the cashier.
Limitless loan options
There’s the student furnishing their dorm room.
There’s the couple renovating their kitchen.
There’s the business owner that needs working capital.
They all require different financing options.
Our robust embedded lending platform supports them all.
Installment loans
Lines of credit
Split pay
Working capital
Deferred invoice
Lease-to-own
Build a powerful presence at every point of sale
The white-labeled technology suite that powers your in-store financing options from behind-the-scenes.
Branded for you. Streamlined customer journeys. No middleman.
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FAQs
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BNPL: How to Get off the Sidelines and into the Game
The Ultimate BNPL Handbook for Banks and Lenders
The BNPL game is on - fintechs have already scored $8-10 billion in annual consumer finance revenues that could have been yours.
In this whitepaper, you'll discover exactly what your point-of-sale financing program needs to be successful and learn the 10 most important questions to ask a potential BNPL partner (handy cheat sheet included).
DOWNLOAD THE WHITE PAPER and get key insights into choosing the winning BNPL solution for your needs.
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BNPL: How to Get off the Sidelines and into the Game
The Ultimate BNPL Handbook for Banks and Lenders
BNPL fintechs may be in the lead but banks have the home-field advantage. With the right point-of-sale financing solution in place, banks and lenders can catch up and win.
Download our free whitepaper and discover the key aspects to consider when choosing a point-of-sale financing solution, including the 10 most important questions to ask a potential BNPL partner (handy cheat sheet included).
Download the Whitepaper
Get your free download in your inbox:
BNPL: How to Get off the Sidelines and into the Game
The Ultimate BNPL Handbook for Banks and Lenders
BNPL fintechs may be in the lead but banks have the home-field advantage. With the right point-of-sale financing solution in place, banks and lenders can catch up and win.
Download our free whitepaper and discover the key aspects to consider when choosing a point-of-sale financing solution, including the 10 most important questions to ask a potential BNPL partner (handy cheat sheet included).
Download the Whitepaper
Get the free download in your inbox:
Why Choose Our BNPL Platform
Zero-to-Minimal Integration
Since there are different methods to complete a transaction, both online and in-store, there are different ways to transfer BNPL funds from lender to merchant.
Mission impossible? Not with Jifiti at your side. We give you a solution for every checkout payment stack, with zero or minimal integration.
Multi-Lender Hub
Boost sales & AOV with bank-rate BNPL programs from leading banks and lenders
White-labeled
Seamlessly embedded into your customer journey and customized in your brand
Any channel, anywhere
Powers a streamlined user experience globally across all channels - in-store, online, call center
What is pay-over-time waterfall?
What is pay-over-time waterfall?
Split payments
Pay in 3 or Pay in 4
Installment loans
One-time loan over a longer period of time for the amount in the cart
Lines of credit
Extended ‘open to buy’ line of credit with an amount that can be used for repeat purchases
Lease-to-own
No credit required path to ownership
Why Choose Our B2B Financing Platform?
State-of-the art platform
Streamlined data dashboard
White-labeled in your brand
Seamless customer experience
Finance from top banks & lenders
Omnichannel solution
What is B2B embedded finance?
Today’s business buyer expects B2B financing at the place of purchase.
Our white-labeled BNPL platform gives your business customers easy access to specialized B2B financing, seamlessly embedded within your user journey in your brand.
Win more lifetime business customers and drive volumes with white-labeled B2B financing
Decisioning and Risk Management
Why Choose Our B2B Financing Platform?
Key Features
- Any B2C and B2B assisted sales flow
- White-labeled user experience
- Compatible with any device
- Fully customizable
- Supports any loan program
- Real-time funnel-based insights
- Zero integration required
- Global solution
Craft your in-store BNPL solution
Empowering data-driven decisions
ABOUT US
Jifiti is transforming point-of-sale financing with cutting-edge technology, data and BNPL solutions.
Our white-labeled Buy Now Pay Later platform powers any bank loan program at any POS - bridging the gap between retailers, lenders, and consumers.
We offer retailers zero-integration POS financing, split pay and end-to-end retail gifting solutions.