Solutions - Financial Services for Merchants
Latest Webinar: The Role of Digital Wallets in Consumer Lending.    
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  Scale your B2B & B2C loan programs at every customer touchpoint
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  Give your customers instant access to bank financing at any point of sale
  [Financial Services
  Extend white-label embedding lending capabilities to banks & merchants
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# Working with lenders shouldn’t be a pain in the SaaS
We’ve done all the heavy lifting so you can easily and seamlessly integrate bank financing into your merchant payments offering.
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## How it works
## Why use our Embedded Lending Platform
### One Connection. Unlimited Lenders.
Connect once to our white-labeled embedded lending platform to seamlessly deliver bank loans through merchants to their customers.
### A Turn-On for Merchants
A streamlined interface where merchants ‘switch on’ bank financing as an alternative payment method through your system, simplifying the onboarding process.
### Grow Your Active Merchant Base
70% of customers prefer financing options from banks.
Merchants want easy access to local lenders.
You can make this happen.
### You Get All the Credit
Being white-labeled, we bring the bank loans & embedded lending capabilities, you get all the credit.
## Flexibility without flexing a muscle
Become the smart hub for all your merchants’ embedded lending needs.
## Want to tap into the world’s fastest-growing payment method?
### PSPs PayFacs ISVs Payment Orchestrators Gateways choose Jifiti to:
Attract & Retain MerchantsWith innovative, in-demand alternative payment methods that boost basket sizes, conversion rates and customer lifetime value.Differentiate & Broaden Merchant Offerings With the full spectrum of bank financing options for a wide range of ticket sizes, use cases, products and customer credit profiles.Increase & Diversify Revenue StreamsBy generating new revenue streams through new and existing merchant partners.
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## Key features
### Global portfolio of local lenders
### Multi-lender with second-look lenders
### Tier-1 bank loans
### Supports big-ticket financing
### High approval rates in real time
### B2C & B2B loans
### Omnichannel
### Any use case
### White-labeled solution
## Cater to any use case
No matter your merchant client’s target sector or vertical, you’ll have them covered.
From in-store retail financing to payment plans for healthcare, our platform supports every use case across every customer channel.
## Empowering data-driven decisions
With our real-time reporting dashboards, merchants gain full data ownership and actionable data insights at every stage of the funnel, from high-level market data down to individual transactions.
## Interested in partnering with us?
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## Let’s Talk Embedded Lending
## Hi, I'm Nick.
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Last Name
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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
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Apple Pay
## Tap Now, Pay Later™ for Apple Pay
# Deploy your loans in Apple Pay at a tap
We enable banks & lenders to embed their consumer and business loans into Apple Pay with our industry-leading Tap Now, Pay Later™ technology.
Easy as apple pie. Zero integration required.
## Apple Pay is Ripe for Banks
Apple Pay, the fastest-growing payment method in the world with over 500 million users, has discontinued Apple Pay Later and opened its wallet to banks and lenders.
That’s where Jifiti comes in – our **Tap Now, Pay Later™ technology** enables your customers to add your approved loan into Apple Pay via virtual card so they can easily ‘tap to pay’ like with any regular transaction. Instead of using their credit card to pay, they’ll use their loan funds.
Same payment process, different credit source.
## Why Use Tap Now, Pay Later™ for Apple Pay?
**Increase your credit utilization rates**
Convert more customers from ‘lend’ to ‘spend’ through a seamless user experience.
**Improve loan application rates**
By giving customers their preferred way to pay, you can appeal to a wider customer base to apply.
**Capture your share of the modern payments market**
With 500 million users of Apple Pay globally and 350 million BNPL users, the market is ripe for the picking.
## How to Tap into the Apple Pay Opportunity
**Tap Now, Pay Later™** works seamlessly with Apple Pay, and is a component of our white-labeled end-to-end embedded lending platform.
Our platform is modular, providing every technological tool you need to distribute, originate, approve, disburse and service your loans.
This means that you can convert more customers from ‘lend’ to ‘spend’ through a single platform.
**Want to get to market quickly?**
Built on top of our proprietary virtual card solution, leveraging the world’s most trusted payment rails, Tap Now, Pay Later™ requires zero integration with the merchant and can go live within hours.
## Want to discuss the Apple Pay opportunity?
## The Tap Now, Pay Later™ Customer Flow
## 1
## Virtual card issuance
Customer applies for financing online, in-store, in-app or via call center, gets approved in real-time, and is immediately issued a virtual card linked to your loan program.
## 2
## Digital wallet web provisioning
At the click of a button, the customer can add the virtual card to their Apple Wallet directly from their web-based loan application. No app download needed and the customer doesn’t even need to view the card.
## 3
## Customized release of funds
Customer ‘taps to pay’ using their loan funds. Every transaction is checked, in real time, against the customer’s loan/credit terms, applying the right amount based on pre-defined parameters.
## Key Features of Tap Now, Pay Later™ for Apple Pay
### Quick time to market
### White-labeled
### Works anywhere that accepts Apple Pay (online, in-store, in-app and more)
### Supports all B2C & B2B loan types
### Zero integration required
### Usable across various brands/stores
### Innovative web wallet push provisioning - no app download
### BAU with zero reconciliation for the merchant
### Iron-clad safety measures
## Why Merchants Love Tap Now, Pay Later™
Works seamlessly with the merchant’s existing systems.
‘Business as usual’ for cashiers, like a regular credit card transaction.
Can be limited for use only at the merchant’s own stores.
## Want to get your loans into Apple Pay?
## Let's Talk Apple Pay