Transform ‘maybes’ into ‘yesses’

with waterfall consumer financing

Convert more customers with Jifiti’s white-labeled multi-lender platform

Start saying yes more often with waterfall lending

Increase customer conversions and pay-over-time approvals with our white-labeled pay-over-time waterfall.

Customer not a prime lender match?

No problem – our waterfall will ‘cascade’ your customer’s application from prime lenders to secondary lenders to maximize approval rates.

How It Works

Integrate once - or not at all

From zero-integration virtual cards to ecommerce plugins and exposed API’s – our multi-lender platform’s got every checkout stack option covered.

Pick your preferences

Check some boxes to customize your solution for any consumer credit profile, use case, ticket size and product category.

Customer applies once

One application unlocks a waterfall of every pay-over-time option for your customers. Our smart waterfall tech then instantly matches them to the right consumer financing solution.

Transaction complete!

Customers are taken through a seamless user journey – from ‘’apply now’’ to ‘’transaction complete’’ in a matter of moments.

Waterfall lending isn’t a nice-to-have.

It’s a need-to-have.

In a world with different consumers with different credit profiles buying different products, merchants need a way to offer the right financing for the right use case.

This can make or break a sale.

Jifiti’s platform supports every pay-over-time option to cover every ticket size, category and customer credit profile.

Which pay-over-time options are supported?

Jifiti’s platform gives you the flexibility to decide which pay-over-time option to offer for a wide range of ticket sizes, categories and customer credit profiles.

We support the full spectrum of BNPL options from leading lenders:

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

We’re a tech platform, not a third wheel

We prefer to stay behind the scenes – powering the technology.

The merchant has a direct agreement with banks and lenders, ensuring the most competitive rates and full control, customization and transparency.

Your brand, your customers, your terms.

Real-time reporting and data aggregation

A single platform means a single source of truth.

Get full transparency into the entire process end-to-end ensuring data-driven decisions and laser-focused remarketing.

Take a birds-eye view or drill down to market, store or even individual customer level.

Frequently Asked Questions

What is a pay-over-time waterfall?

A pay-over-time waterfall is a single-user journey that unlocks a multi-lender waterfall of all pay-over-time options for your customers.

Why do merchants need waterfall lending?

Waterfall lending helps maximize customer approval rates
Higher approvals means more customer conversions
Waterfall also helps increase customer retention

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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

See a demo

Learn more

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