How equipifi Works
equipifi is an embedded Buy Now, Pay Later solution that helps banks and credit unions meet modern payment expectations while keeping trust, ownership, and engagement within the institution. As consumers increasingly choose Buy Now, Pay Later options at the point of purchase, banks and credit unions risk losing relevance to third party fintech providers. equipifi enables institutions to stay present in those moments by offering flexible payment options directly within the digital banking experience.
Common Challenges equipifi Helps Solve
Members turn to third-party Buy Now, Pay Later providers outside the institution
Traditional lending products do not meet short term flexibility needs
Third party fintech apps weaken long term member relationships
Built for Banks and Credit Unions
equipifi is designed specifically for bank and credit union environments, with a focus on integration, control, and responsible access to short term financing. The solution supports financial flexibility without introducing the risks often associated with consumer direct fintech alternatives. Used by credit unions nationwide, equipifi has become a trusted way to deliver modern payment options while protecting the institution member relationship.
Embedded Flexibility Where it Belongs
equipifi embeds Buy Now, Pay Later directly into digital banking environments, allowing members to view, accept, and manage payment plans without leaving the institution’s ecosystem. This approach preserves the relationship while delivering the convenience members expect. By remaining embedded, institutions retain visibility, control, and ownership of the experience rather than handing engagement to outside lenders.
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Embedded BNPL Integration
Embedded Buy Now, Pay Later within digital banking platforms
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Personalized, Pre-qualified Offers
Personalized and pre-qualified offers presented at the right moments
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Debit & Account-Based BNPL
Debit card and checking account based BNPL options
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Configurable Underwriting Controls
Configurable underwriting parameters aligned with institutional goals
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White-Labeled Brand Experiences
White labeled experiences that preserve brand trust
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Seamless Core & Platform Integrations
Integrations with leading cores and digital banking providers