Your BNPL product, live and lending
Whatever BNPL model you're building, the backend is ready. Pre-purchase virtual cards, point-of-sale, post-purchase debit, credit card BNPL. Split shipments across merchants? That's what Multi-Capture Installment Loan™ was built for. Your team focuses on what borrowers see.
$2B+ in active loans across 50+ lenders
A complete BNPL backend from day one
Live before your deadline
Returns handle themselves
One loan, many merchants
You bring the product. We bring the infrastructure
Bring your product
Four construct types out of the box. Even something your merchants haven't seen yet. It's ready to configure.
Backend included
Servicing, compliance, payments, portals, CRM, and comms all ship ready. Everything after origination is already there. Bring your bank or use ours.
How your BNPL backend works
Fix yesterday without breaking today's ledger
A return hits three months later. Loan Replay™ recalculates everything from that date forward. The original ledger stays intact.
Split shipments, no custom code
Flight on Monday, hotel on Wednesday, rental car on Friday. Multi-Capture Installment Loan™ tracks each merchant’s capture on its own.
The terms your merchants actually need
Each merchant gets its own terms. 0% intro here, deferred interest there. Over 200 config variables, changeable without a code deploy.
Every transaction, visible in real time
Your team sees every purchase from authorization through settlement as it happens. When disputes come in, they resolve inside your CRM instead of a separate system.
Built to work with your card stack
Your card partners are already here. The networks and issuers you work with are already supported.
Visa
Visa Ready for BNPL gets your program certified faster, so you're issuing cards on your timeline instead of theirs.
Mastercard
Already in the Mastercard ecosystem? Mastercard Installments gives your BNPL product its own enrollment path without starting from scratch.
Lithic
Pre-purchase BNPL needs virtual cards. Lithic handles issuance, one-time-use or multi-use, so your team stays focused on the lending product.
Marqeta
POS BNPL programs need instant card issuance and real-time spend controls. Marqeta’s open API means your team builds the BNPL experience, not the card rails.
You've seen what Peach does for BNPL. Here's why teams building BNPL products stay.
Why teams keep building on Peach
Engineers on your calls
Your implementation questions go to the people who built the system. Not a help desk. Not L1 support. The same engineers who wrote the code.
We start with your stack
Peach builds around what you already run. We map your architecture, match your data flows, and work backwards from your timeline.
Built from inside lending
The team built Affirm's lending engine under Max Levchin, then started Peach as the next generation. They lived inside the problem.
No lock-in by design
API, webhooks, database replica, loan tapes. If you ever want your portfolio back, it's ready to export.
Compliance is built into the engine
SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1, and HIPAA. Compliance Guard enforces compliance rules in real time and monitors borrower status against applicable federal and state regulations.
Tested at real scale
One large fintech saw system timeouts drop from tens of thousands to a few hundred per week. Production borrowers. Real money on the line.
Teams that launch BNPL on Peach don't just stay. They come back for credit cards, personal loans, new merchant verticals. Over 200 config variables means the next product doesn't need a new vendor.
Let's talk about your BNPL product
You're building a product your borrowers will love. Or moving one they already do. We’ll start with your architecture and work backwards from there.
