Fortiva® Retail Credit and Jifiti Partner to Deliver Higher BNPL Acceptance Rates to Merchants and Consumers

June 21, 2022

Jifiti expands multi-lender white-label Buy Now Pay Later solution through partnership with Fortiva® Retail Credit’s industry-leading second-look program.

COLUMBUS, Ohio, June 21, 2022 – Jifiti, a global BNPL fintech company, today announced its partnership with Fortiva® Retail Credit, a leader in second-look consumer credit, to expand its Buy Now Pay Later multi-lender network.

Jifiti is a leading fintech company that powers white-labeled Buy Now Pay Later solutions for leading banks, lenders, programs, and merchants worldwide. As a proponent of responsible lending, Jifiti partners with tier-1 banks and licensed lenders that offer regulated consumer credit products. By expanding its lender network, Jifiti is helping merchants approve more customers, thereby increasing sales and average order value and optimizing customer retention.

Jifiti’s multi-lender platform enables consumers who aren’t eligible for prime lender approval to automatically get passed to a secondary lender via its smart-routing waterfall technology, thereby increasing acceptance rates and customer satisfaction. Fortiva Retail Credit’s consumer credit program complements the suite of consumer financing programs already powered by Jifiti’s platform, which include white-labeled split pay, installment loans, lines of credit and other lending products.

The Fortiva® Retail Credit program leverages Atlanticus Services Corporation’s flexible technology capabilities to allow The Bank of Missouri to offer a seamless transition from prime financing to a second look program with affordable payment options. When a shopper is declined financing from a prime credit provider, their application is instantly processed for Fortiva® Retail Credit’s second look solution, delivering a fully integrated consumer experience and more approvals for merchants. Using knowledge gained from over 25 years of data aggregation and consumer performance, Atlanticus’ technology platform allows banks to offer more inclusive financing options through more approvals paired with the best terms to optimize consumer experience. Integrating the Fortiva Retail Credit program into Jifiti’s white-labeled solution, ensures that the entire user journey is seamless from application through to funding approval.

“We are always looking for opportunities to extend the reach by which Atlanticus’ technology can help merchants say ‘yes’ to those customers applying for financing. Partnering with Jifiti and their BNPL platform presents just such an opportunity to better serve those customers that are often overlooked by traditional banking providers.” Dave Caruso, Chief Commercial Officer of Atlanticus Services Corporation

“At Jifiti, we believe that there are different credit solutions fit for different consumers, which is why we offer a comprehensive solution. We’re excited to be marrying our existing prime bank lender program with the Fortiva Retail Credit Program in order to bring more responsible, affordable and transparent financial solutions to merchants and consumers worldwide.” Yaacov Martin, CEO and Co-Founder of Jifiti

About Fortiva ® Retail Credit

Fortiva Retail Credit is a technology-enabled second look point-of-sale consumer credit program issued by The Bank of Missouri. The omnichannel program leverages the instant decisioning capabilities, deep underwriting analytics, and paperless process of Atlanticus Services Corporation’s platform to provide best-in-class retail finance solutions for its clients both in-store and online. This flexible technology platform provides a loan decision to consumers within seconds. Clients in markets such as furniture, big box/specialty retail, flooring, home improvement, HVAC, electronics, elective medical, health and fitness, and home automation offer the Fortiva Retail Credit program for second look financing. The Fortiva Retail Credit program is available throughout the United States, including Puerto Rico and the U.S. Virgin Islands. The Fortiva Retail Credit program is managed by subsidiaries of Atlanticus Holdings Corporation (NASDAQ: ATLC).

About Jifiti

Jifiti is a leading fintech company that powers point-of-sale financing for banks, lenders and merchants. The company’s white-labeled Buy Now Pay Later (BNPL) platform provides banks and lenders with state-of-the-art technology to easily deploy and scale their competitive consumer loan programs at any merchant’s point of sale – online, in-store and via call center. With its multinational presence, Jifiti provides end-to-end point-of-sale financing solutions to global brands in any international market. Jifiti works with leading financial institutions including Mastercard, Citizens Bank, CaixaBank, Credit Agricole, and retailers such as IKEA, Walmart and others worldwide.

Press Contacts:

Fortiva Retail Credit:

David Caruso
Chief Commercial Officer – Atlanticus Services Corporation


Maya Mason
VP Marketing

Jifiti powers white-labeled embedded lending solutions for banks, lenders and merchants.

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