Simple
A single integration and contract gains access to 70+ BNPL lenders
Convenient
Allow customers to apply with all lenders with one credit application
Profitable
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
20%
of “no bank” or “under banked” credit-worthy consumers
2 in 5
people use BNPL to avoid paying credit card interest**
85%
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%*
RELATED SOLUTIONS
Create a Framework for Optimization
ACI Worldwide’s payments orchestration platform streamlines connectivity to the payments and fraud ecosystem so you can design seamless payment flows.
ACI Fraud Management for Merchants
Reduce chargebacks, fraud and false positives while increasing conversion with ACI’s machine-learning driven merchant fraud management
Multi-Acquiring
Gain greater flexibility and control over your acquiring relationships with ACI’s merchant payment offerings
ACI Secure eCommerce
A true payments orchestration platform 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 Omni-Commerce
A secure, scalable, omnichannel payment processing platform with the flexibility to support in-store, online and mobile payments
ACI PayAfter
Increase conversions with BNPL: credit acceptance rates of up to 85%, access to larger credit lines and a 0-40% greater spend with BNPL versus credit cards
International Payments Expansion
Single payments platform for flexibility, resilience and cost control in domestic and cross-border payments processing
Strong Customer Authentication
Complete fraud management solution that delivers full SCA compliance with value-added capabilities to enable your exemptions strategy
Tokenization
Protect your customer data and reduce PCI compliance obligations with single and multiuse tokens
Zero Fee Crypto
Accept cryptocurrency payments from around the world and get next-day settlement with ACI Zero-Fee Crypto.
*ACI internal customer data
**Study: Buy Now, Pay Later Services Continue Explosive Growth, Motley Fool, March 2021
Related Resources
Trends
Merchants
The Current State of Buy Now, Pay Later
Bring 70+ buy now, pay later lenders to your platform — quickly and easily — with ACI PayAfter. Through a single integration and contract, you can offer your customers a seamless, convenient way to ensure their credit approvals and raise your conversion rates. Learn more about this dynamic, new capability from ACI.
Resources
Merchants
Buy Now Pay Later: Taking A Closer Look at Affirm
As we quickly approach the peak shopping season in Europe and North America (Black Friday and Cyber Monday are less than a month away), it’s time to take a closer look at one of the major “Buy Now, Pay Later” (BNPL) players in the United States.
Video
Merchants
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
