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  Scale your B2B & B2C loan programs at every customer touchpoint
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## FIS and Jifiti Joint White-Label Embedded Lending Solution
End-to-end embedded lending solution for banks and  financial institutions to deliver services like advanced BNPL programs to qualifying merchants.
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### Convert B2B & B2C customers
Offer any type of B2B and B2C loan through a single embedded lending platform, including lines of credit, installment loans, split pay and more
### Launch and scale fast
With the solution pre-integrated with FIS systems, banks, lenders and merchants can simply activate their embedded lending offering
### Position your brand
White-labeled solution powers embedded lending behind-the-scenes, building your brand at every customer touchpoint
## White-labeled digital front-end journeys
Enabling banks to seamlessly embed any type of B2B or B2C loan product within the merchant’s own customer and settlement journey via: Online, Mobile or at Point of Sale.
### In-Store
### Ecommerce
### At Home
### Call Center
### Assisted
### Ordering System
### Invoice
### Bank App
### Marketing Asset
## End-to-end embedded lending platform
The solution offers proven loan management systems, secure storage of customer information as well as repayment and collections integration services.
### Regulator-ready solution
The solution is built to be regulator-ready, and integrate fully with credit bureaus, bank blacklists and to support all applicable KYC and AML requirements.
### Extend global merchant reach
Banks and financial institutions can quickly and easily streamline their lending capabilities and deploy their financing at any point of sale at scale.
### Cater to any use case
Expand across any financing use case, including for B2C retail, B2B retail, healthcare, contractors, OEMs, and more.
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* 1985 W. Henderson Rd. Columbus, OH 43220 USA 1-855-858-0600
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## Let’s Talk Embedded Lending
## Hi, I'm Nick.
First Name
Last Name
Work Email
Company Name
Region
—Please choose an option—North AmericaLatin AmericaEuropeMiddle EastAsiaAfricaOther
I’m a:
—Please choose an option—MerchantLenderPartner
Total Annual Sales Volume
—Please choose an option—Less than $10M$10M – $25M$25M – $50M$50M – $100M$100M+
Average Order Value
—Please choose an option—$0 – $100$100 – $500$500 – $1000$1000 – $5000$5000+
Product category(s)
Anything else we should know before we contact you?
My customers are:
—Please choose an option—FintechsLendersMerchants
Our company is a :
—Please choose an option—IT Services + ConsultingGatewayISOISVPSPAcquirerPayFacAlternative Payment Method ProviderOpen Banking ProviderPOS Hardware Provider
—Please choose an option—Acquirer ProcessorCore Banking providerDigital Front EndIssuer ProcessorIT Services + ConsultingLMSLOSServicing, Collections and Recovery ServicesFraud, Risk, Compliance and Regulatory Services
Please provide details about your proposed partnership
Leave this field empty
Buy Now Pay Later
# GLOSSARY: Buy Now Pay Later
 »  » Buy Now Pay Later
## What is ‘Buy Now Pay Later?’
The term ‘Buy now pay later’ (A.K.A BNPL ) is referring to the customer taking home their purchase but paying for it over time.
In the past, ‘Pay later’ shopping typically referred to an interest-free period following the purchase, during which no payments were made and no interest charged. However, after this interest-free period, payment in full was expected otherwise the interest from the original time of purchase was added.
Finance technology has revived the concept of ‘Shop now pay later’, with modern versions much clearer about the payment and interest plan over the period of the loan.
There are two types of BNPL solutions:
1. **Merchant transaction fee loan**  – One type of point of sale loan does not charge the consumer any interest, instead charging the merchant a transaction fee. This interest-free solution is offered by companies such as Klarna, Splitit or AfterPay.
2. **Shopper Interest loan** – The other type of BNPL is a point of sale loan, where the consumer is offered an on-the-spot loan by a third party. The customer is able to receive the item right at that moment, but **pay overtime**, including interest. There is no charge for the merchant.
What are the pros and cons of ‘Buy Now Pay Later’ for shoppers?
**Shoppers – The advantages of Buy Now Pay Later (BNPL) for Shoppers**
* Ability to take items home right away and **“>pay later.**
* Potential to pay no interest if payments met on time or the entire amount is paid off by the time the loan period ends.
* A great option for unexpected or emergency purchases.
****Shoppers –** The disadvantages of BNPL for Shoppers**
* Interest is charged in total and on the original amount at the end of the interest-free period if there is one.
* The loan is a one-off and is not revolving credit that can be used again and again.
* Can create a hard check on your credit suitability which can potentially damage your credit rating.
**Merchants – The advantages of Buy Now Pay Later (BNPL) for Merchants**
* Lowering and removing shoppers buying hesitations
* Increasing average order value (AOV) and enticing shoppers to make bigger ticket purchases.
* Increasing overall sales
* Opening a new stream of income via loan interest
* Providing a holistic and pleasant branded customer purchase experience
* Financing shoppers with no need for another piece of plastic as is the case with a branded credit card.
### Will a “Buy now pay later’ option affect my shopper’s credit score?
Whether ‘Buy now pay later’ (BNPL) will affect your shopper’s credit score depends on the terms and conditions of the service that you offer them. Their credit score can be affected if the financing solution pulls their credit information in order to make a decision on whether to approve the loan application.
Certain pay-over-time solutions that aim to be popular with millennials might not base their decision to approve credit on credit rating, but a build-up of points within their own structure. Affirm is an example of a company that uses its own credit system. These financing solutions allows borrowers an increasing amount following continued reliable usage.
Interested in a white-labeled embedded lending solution?
### Recommended links:
## Embedded Lending Resources
## Related Info