ACH Services

Buy Now, Pay Later

Flexible financing 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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Buy Now, Pay Later Features

White Label Branding

Your brand, not the brand of a third-party provider

Lower Fees

Up to 70% lower than credit card transaction fees

Upfront Funding

The full amount is in your account the next day

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.
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Built for your business.

Certegy is more than just payment technology. We provide robust, industry-specific solutions, aligned with each client’s unique set of needs and customers.

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