Yes. We just made it that easy for any bank or lender to deploy and scale their own fully branded POS financing solution.

That easy?

Can’t be.



Banks and lenders conduct one single integration with our platform and have their very own end-to-end POS Financing solution ready to go for any retailer – online and in-store.

Jifiti provides a self-service tool to reach and onboard new merchants at scale – they can sign up and launch the program instantly.

How it works

A Seamless and Simple Process

1. Lender’s application form is displayed  by Jifiti in the retailer’s consumer financing interface

2. Consumer applies for financing – information is transferred via the secure API to the lender

3. Approval is returned to the Jifiti system via the API

4. Once approved, funds are issued on a digital Mastercard  prepaid card that can be used only at that retailer

5. Consumer uses the Mastercard digital prepaid card to check out in the store, just like they would any card

6. Consumer repays the lender directly in monthly installments.

Merchant Acquisition Platform

A self-service platform that enables merchants to apply for your POS lending program  and launch it instantly once approved.

Leapfrog the Competition

Jifiti’s customized, one-time integration enables lenders to offer financing for any retailer they choose without needing to integrate to their POS

Single integration via API into Jifiti’s platform. Nothing more after that.

Modular and customizable –  We build out the branded front end to support your system requirements.

Turn-key platform – offer your very own POS financing solution for any retailer.

digital Mastercard prepaid card solution enables customers to checkout like a regular transaction online or in-store.

Lender Spotlight

Working with the best lenders in the business

Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $160.5 billion in assets. It selected Jifiti’s platform to offer its POS financing to interested retailers. 

Want to offer a fully branded POS financing solution with the best in the business? Launch a POC instantly.

Bringing Value to All


  • A single integration to offer in-store and online financing for any retailer
  • Efficient new customer acquisition strategy
  • Zero overhead to maintain or add a retailer to a financing program
  • Fully branded flow for both the lender and the retailer


  • Zero integration with lender’s systems
  • Short and simple onboarding
  • Maximize revenue by selling large ticket items with suitable financing
  • Easily launch a POC


  • No need to interact with staff to apply for financing and  risk the embarrassment of being declined
  • Mobile-first apply and pay – no need to get a new credit card
  • Simple and streamlined loan application process

The opportunity is there. Now is the time to grow your consumer lending.


The right digital platform enables you to finance more consumer purchases through retailers, which means diversification for your lending portfolios and increased loan revenue.

Here is what our clients have to say about us…

Lenders are innovating their in-store credit solutions to stay competitive and relevant to retailers and consumers.

Consumer confidence in alternative finance providers is growing. Not only is demand increasing for these solutions, but they have lower operational costs than traditional in-store retail financing products.


of U.S. millennials do not have a mainstream credit product


of UK millennial respondents have had loans with alternative providers


of global consumers use fintech solutions


Jifiti is redefining retail experiences
with unparalleled data & technology.
Our proprietary consumer finance & gifting solutions bridge the gap between retailers, lenders, and consumers.
We offer retailers a Zero-Integration POS financing, and end to end retail gifting solutions (Gift registry, eCommerce gift checkout, First party gift card solutions).


401 w Town Street, Columbus, OH, 43215

1811 Silverside RD, Wilmington, DE, 198104345