Easily transform your consumer finance offer with multi-lender embedded financing

Seamlessly integrate multiple lenders into every point of sale to deliver an exceptional customer experience, maximize consumer finance approval rates, and boost sales. Delight your customers with omnichannel financing and a unified shopping journey.

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omnichannel financing platform - chargeafters embedded lending platform can be used anywhere and on any device

Take full control over your consumer financing offer with ease

Build the perfect waterfall finance program for your business. You have complete control to add or switch lenders and financing providers and embed new financing products as they become available. Easily optimize interest rates, MDRs, and approval rates while providing your customers with a unified embedded lending experience, no matter where they shop.

Embed omnichannel financing into customer journeys


eCommerce financing, anywhere anytime

Enable your customers to apply online for consumer financing wherever they are – at home, waiting in line, or on the go. With instant online pre-qualification, shoppers can apply for POS financing now and reach checkout later with the funds in hand to complete the purchase.

embedded consumer financing transaction from your mobile is quick and efficient in just four easy steps


Almost as easy as swiping a credit card

Provide an in-store point-of-sale financing experience that feels intuitive and familiar. With the convenience of in-store devices, tablets, and self-checkout counters, in-store financing has never been easier. Shoppers can even apply from the comfort of their own phones with QR codes.

in-store financing 3 easy steps with chargeafter. QR code for point of sale financing

Full omnichannel financing

Our embedded lending platform has ominchannel financing capabilities at every point of sale. Deliver consumer finance choices to your customers as they move across different channels online, in-store or clinic and via call centers, virtual assistants, and door-to-door representatives.

omnichannel experiance at every point-of-sale with chargeafters embedded omnichanel financing

Easily connect
to multiple lenders


Get up and running quickly with rapid integrations and accelerate time-to-market with a swift onboarding process that connects multiple lenders to every point of sale through our APIs, SDKs, and ecommerce financing extensions.

chargeafter integration with ecommerce platforms - woocommerce - shopify - hypris - big commerce - magento - nop commerce - miva

Configure your waterfall finance journey with primary, secondary, tertiary, B2B and BNPL lenders and purchase providers of your choice. Build an embedded lending offering that covers multiple segments, products, and geographic locations, tailored to your brand.

embedded lending with waterfall finance with primary lenders - secondary lenders - tertiary - lenders B2B lenders and BNPL lenders

Customize the platform to adapt to any changes as they arise. Our embedded lending platform empowers you to easily switch lenders, update policies, and connect to new lending products, giving you greater flexibility and control.

customizable waterfall lending to switch lenders - update policies & connect new lending options in the embedded lending system

Any product, any lender, anywhere

Effortlessly connect with lenders in multiple countries through our embedded lending network. Our platform makes it simple and straightforward to add, remove, and manage financial products.

chargeafter revolving credit
Citi - Lenders ChargeAfter Partners Synchrony Lenders ChargeAfter Partners Wells Fargo Lenders ChargeAfter Partners Bread financial Lenders ChargeAfter Partners
Near prime
Genesis Credit Lenders ChargeAfter Partners Fortiva Lenders ChargeAfter Partners LendCare Lenders ChargeAfter's Partners VIVE Lenders ChargeAfter's Partners
chargeafter installment loans
Citi - Lenders ChargeAfter Partners Citizens Lenders ChargeAfter's Partners VISA Lenders ChargeAfter's Partners Patient Financial institution Lenders ChargeAfter's Partners Latitude Pay Lenders ChargeAfter's Partners Bread financial Lenders ChargeAfter Partners
Near prime
Forvita Lenders ChargeAfter's Partners Covered Lenders ChargeAfter's Partners
zip Lenders ChargeAfter's Partners Bread financial Lenders ChargeAfter Partners
chargeafter subprime lending sub-prime lending
Progressive Leasing Lenders ChargeAfter's Partners Snap Lenders ChargeAfter's Partners Katapult Lenders ChargeAfter's Partners
American First Finance Lenders ChargeAfter's Partners OKINUS Lenders ChargeAfter's Partners Flexshopper Lenders ChargeAfter's Partners Koalafi Lenders ChargeAfter's Partners
chargeafter b2b financing
tabit Lenders ChargeAfter's Partners Credit Key Lenders ChargeAfter's Partners

Manage the lending journey and post-sale activities in one place

Embedded finance with post-sale management and analytics

Full reporting and transparency of your consumer financing program puts you in control. Quickly and efficiently manage chargebacks, settlements, refunds, and void reconciliations in one centralized place. Leverage consumer financing data to create targeted marketing campaigns, enhance loyalty programs, and strengthen relationships with your customers.

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Embedded finance platform with post-sale management and full analytics

Top merchants are enjoying the benefits of embedded lending

connect to and integrate with multiple embedded finance lenders
Easily connect to and integrate with multiple lenders
consumer financing products across the credit spectrum
Offer financing products across the credit spectrum
embedded lending platform with embedded compliance
Boost consumer finance approvals and conversation rates
omnichannel financing experience
Provide an exceptional omnichannel financing experience
Customize embedded lending platform
Customize our embedded lending platform for your processes
embedded lending platform compliance
Manage regulatory issues with embedded compliance

ChargeAfter is revolutionizing consumer financing worldwide for businesses like these.

With ChargeAfter, we have the peace of mind that our point-of-sale financing is powered by a proven platform and deep industry expertise, so we can focus on giving our customers a superb furniture buying experience.

Christopher Lloyd Director of Payment Solutions

ChargeAfter was a game-changer for us. We saw a 67% increase in financing applications with high and stable approval rates. It’s clear that our customers love the flexibility and convenience that ChargeAfter provides.

George Burt ChargeAfter consumer financing
George Burt Vice President of e-commerce & Omnichannel

As more of our customers request improved financing options, our priority is to meet this demand and provide a first-class experience that reflects our ethos of embracing change. ChargeAfter’s embedded lending platform supports this vision as it easily connects clients to multiple lenders in a fast and seamless process.

Tom Weber CEO