API-first BNPL solutions

At Peach, buy now, pay later (BNPL) is in our DNA. Our BNPL software can help you launch BNPL virtual cards, post-purchase debit or credit, and more.

Brian Robertson

Buy now, pay over time

Pay as little as $50/month for your purchase of $550.

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Supported BNPL constructs


Load funds onto a BNPL virtual card, and tie a loan to a purchase made with that card. Peach can also monitor card usage as needed.

Point of sale

Turn a transaction at the point of sale into a BNPL loan, either online or in store—and with or without interest.

Post-purchase debit

Transform purchases from your existing debit card into BNPL loans.

Credit cards with BNPL

Power a credit card with the ability to convert select transactions into BNPL loans.

Configure your BNPL program

Provide fixed or dynamic options, from biweekly pay-in-4 up to monthly repayments over many years.

1{ 2 "type": "installment", 3 "assetType": "personalClosedEndUnsecured", 4 "externalId": "string", 5 "name": "BNPL", 6 "assetDisplayName": "Loan", 7 "txDescriptorAssetDisplayName": "Loan", 8 "description": "Buy Now Pay Later", 9 "currency": "USD", 10 "timezone": "EST", 11 "allowPrepayments": false, 12 "paymentAllowedWhenChargedOff": false, 13 "interest": { 14 "accrualMethod": "simple", 15 "dailyInterestCalculation": 365, 16 "periodAccrualDurationType": "fixed", 17 "aprMethod": "actuarial", 18 "isInterestAmountCap": false, 19 } 20}

BNPL software for any industry

Home improvement
Home decor

Harness the power of Multi-Capture Installment Loans™

Many merchants don’t capture an entire transaction all at once—for example, when items ship separately or when a travel purchase includes multiple subvendors. A traditional installment loan can’t accommodate these frequent BNPL use cases, but our Multi-Capture Installment Loan can.

Easily accommodate multiple captures
Give customers more flexibility in where to shop
Decide how additional captures modify repayment terms

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Partnerships and integrations

We’ve partnered with many of the foremost technology, servicing and reporting companies to make it easier for you to launch and scale lending programs.

We partner with Visa to make it easy for issuers to launch new lending programs, whether for BNPL or another asset class.

Visa Fintech Partner Connect
Visa Ready for BNPL

We support lenders in developing buy now, pay later (BNPL) solutions leveraging the Mastercard Installments program.

Mastercard Engage Partner Network
Mastercard Installments

Lithic supports you with virtual, physical and digital wallet cards—whether prepaid, debit or credit cards.

Card issuance

Qolo gives you flexible, scalable debit, prepaid, and credit card solutions through direct access to major payment networks.

Loan origination

Marqeta allows you to instantly issue and process card payments with their open API platform.

Card issuance

Leverage Peach's omnichannel communications templates to optimize and streamline servicing.

Featured whitepaper

5 reasons lenders need adaptive infrastructure

Peach's Adaptive Core™ gives lenders a new paradigm in loan management, enabling them to continually test and iterate, even at scale, and to continually launch new lending programs with speed and flexibility.

Whitepaper5 reasons lenders need adaptive infrastructure

Built for security and compliance

Our loan management and loan servicing software is compliant with SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1 and HIPAA. We practice defense-in-depth security architecture and employ best-in-class practices and tools to maintain security on all levels.

SOC 1 Type 1 compliant
SOC 1 Type 2 compliant
SOC 2 Type 2 compliant
PCI DSS Level 1 certification