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 鈥� and all their financial products 鈥� 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*
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%*
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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鈥檚 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
**, Motley Fool, March 2021
Related Resources
Blog Post
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鈥檚 time to take a closer look at one of the major 鈥淏uy Now, Pay Later鈥� (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
