Buy Now, Pay Later

Flexible installment payments for big-ticket purchases.

Certegy’s white label Buy Now, Pay Later feature is a safe and easy way to accept multiple payments for a single service or product. Customers can split the cost of a purchase into several interest-free installments over 45 days. As soon as the installment plan is submitted, Certegy manages the scheduling, validation, and transfers.

Our flexible system boosts customer purchasing power, resulting in increased transaction sizes and higher Average Order Value (“AOV”) amounts. Buy Now, Pay Later is especially useful for large purchases, including auto, furniture, and appliances, providing customers a smarter option than traditional financing or credit card debt.

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Flexible, Easy Payments

Split payments into equal installments on a schedule that works for your customer and your business.

Increase Sales

Buy Now, Pay Later boosts customer purchasing power while dealers benefit from greater access to buyers and higher sales volumes.

Proven Tools for Risk

Our proprietary AI & risk management model verifies all transactions, lowering your risk of fraud.

How it Works

An authorization form is completed.
The desired payment dates and amounts for each check are entered via our virtual terminal.
Certegy sends an accept or decline recommendation based on the amount of the combined checks, the customer’s financial history and our extensive database.
You receive the full purchase amount within 24-48 hours of the transaction’s approval.
An aerial shot of a bunch of cars in a parking lot. Two woman are shopping in a clothing store, looking at a pair of pants.

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