ACI PayAfter

Gain Access to 70+ BNPL Lenders in a Single Integration

Increase credit approvals and drive new revenue with ACI PayAfter, a powerful offering that instantly connects your customers to a wide array of buy now, pay later (BNPL) lenders

mobile purchase approval

A single integration and contract gains access to 70+ BNPL lenders

one click iconConvenient
Allow customers to apply with all lenders with one credit application

business service iconProfitable
Increase checkout conversions and reach an 85% consumer credit approval rate*

Increase Credit Approval Rates

Leverage a wide network of buy now, pay later lenders — and all their financial products — to approve and accept more consumer applications.

Tap into a wider array of BNPL customers


of “no bank” or “under banked” credit-worthy consumers

2 in 5

people use BNPL to avoid paying credit card interest**


consumer credit approval rate*

Offer Consumers a Simpler Application Experience

Deliver the ultimate in consumer convenience with a single application, only one button to click and credit limits up to $20K USD.

Fill one credit application

Simplify and Optimize Your Buy Now, Pay Later Business

ACI PayAfter delivers instant access to 70+ BNPL providers, offering a simple way to ensure more creditworthy consumers are approved.

  • Gain full access to all lenders through a single contract with ACI
  • Surface key business insights through actionable data dashboards
  • Optimize liquidity management with next-day settlement
  • Reduce integration costs up to 40%*
mobile purchase approval


Take Your Solution Further

Explore related ACI Worldwide solutions to ensure your ongoing business success.

ACI Omni-Commerce

A secure, scalable, omni-channel payment processing platform with the flexibility to support in-store, online and mobile payments

ACI Secure eCommerce

A powerful payments gateway with sophisticated real-time fraud prevention capabilities, advanced business intelligence tools and access to an extensive global network of acquirers and alternative payment methods

ACI Fraud Management for Merchants

Multilayered, real-time fraud management and ongoing monitoring of online and mobile transactions for merchants and payment service providers

International Payments Expansion

Single payments platform for flexibility, resilience and cost control in domestic and cross-border payments processing

*ACI internal customer data
**Study: Buy Now, Pay Later Services Continue Explosive Growth, Motley Fool, March 2021