BNPL

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.

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Trusted by top lending innovators
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Supported BNPL constructs

credit card

Pre-purchase

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.

shopping bag

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.

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Post-purchase debit

Transform purchases from your existing debit card into BNPL loans.

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Credit cards with BNPL

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

Configure your BNPL program

Servicing modules to cover all your bases

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Retail
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Auto
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Travel
weight
Fitness
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Services
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Home Improvement
phone
Electronics
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Home Decor
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Weddings
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Apparel
UI of Peach Loan Capture Installment Solution

Harness the power of our Multi-Capture Installment Loan™ solution

Many merchants don’t process 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 items
  • Give customers more flexibility in where to shop
  • Decide how additional items modify repayment terms
Partnerships

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.

visa logo

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
mastercard

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

Mastercard Engage Partner Network
Visa Ready for BNPL
lithic logo

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

Card issuance
qolo logo

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

Loan origination
marqueta logo

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

Card issuance
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Marqeta allows you to instantly issue and process card paymentswith their open API platform.

Card issuance

Your unified loan servicing system

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Adaptive Core™

Our fully configurable loan management system gives you theability to launch highly flexible lending products in virtually anyasset class.

Loan Replay™
Virtually any asset class
Reporting
Immutable ledger
250+ configuration variables
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Servicing suite

Leverage our end-to-end, fully integrated suite of proprietary loan servicing software tools, from CRM to borrower portalto collections.

Borrower Portal
Communications
CRM
Payment processing
First-party collections
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Compliance Guard™

Borrower status monitoring and scanning of outbound communications help you stay compliant with federal andstate regulations.

Borrower status monitoring
Customizable rules
Payment processing
Federal, state and local
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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.

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Security

Built for security and compliance

Our loan management and loan servicing software is compliant withSOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1 andHIPAA. We practice defense-in-depth security architecture andemploy best-in-class practices and tools to maintain security onall levels.

Security at Peach