Ionia, an embedded payments and rewards platform that makes digital finances more rewarding, efficient, and inclusive, announced today that it has launched a unique Buy Now Pay Later (BNPL) offering in collaboration with Certegy, a leader in payments and risk management technology.

The combination of Ionia’s patented geo-behavioral marketing technology with Certegy’s industry leading BNPL and risk management capabilities, creates a best-in-class solution that is available through the nation’s largest BNPL merchant network with more than 65,000 merchant locations and 75 online stores.

“We are pleased to partner with Certegy to offer our white label partners what we believe is the best Pay Later financing product in the industry” states Marshall Greenwald, CEO of Ionia. “Now any consumer facing app can provide its customers a seamless, frictionless interest-free financing experience through the largest merchant network in the US.”

Ionia’s Pay Later is initially available through CrayPay, a mobile rewards app powered by Ionia, that allows users to easily shop and earn (5% on average) either in-store or online. Pay Later will also soon be available through mobile apps of Ionia’s other partners, both existing and new.

“We are excited to bring our BNPL solution to Ionia’s robust merchant network,” said Greg Lipari, VP Strategy & Commercial Development, Certegy. “As the holiday season kicks off, this is a critical time for customers to have digital payment access and flexibility. Through our partnership with Ionia, tens of thousands of merchants can now seamlessly bring the advantages of BNPL – including convenient, interest free payment plans – to their customers.”

Once the user registers, Ionia’s Pay Later financing is fast, safe, and simple and with no credit risk to the merchant or partner. In addition, customer approval can be obtained without a credit check.