BNPL Solutions Built to Sustain Your Business Profitably
Equifax helps Buy Now Pay Later companies to move beyond traditional credit checks, enabling faster, more inclusive, and lower-risk decisions through unique data assets and advanced analytics. Our solutions support critical processes by reducing fraud risk and fostering profitable transactions, including pre-screening and onboarding with identity verification and fraud detection, real-time credit risk assessment using alternative data and proprietary scoring models, and regulatory-aligned credit reporting for transparency and responsible lending practices. With Equifax, you can confidently approve more customers, effectively manage fraud, and achieve growth.
See How BNPL Providers are Growing Faster and Reducing Risk
From increased approval rates to reduced fraud losses, our clients are able to recognize measurable gains across the Buy Now Pay Later lifecycle.
A U.S. based lender increased approvals by 39% with a 20% lift in risk model accuracy—risk unchanged.
A BNPL provider saw 12% more approvals and 57% better delinquency prediction with new risk models.
A lender gained a 20% lift and 5% better risk separation using our alternative data.
Equifax helped reduce unscorables by 32%, giving over 8.4M consumers access to credit insights.
Data Products for BNPL Profitability
Digital Identity Trust
Validate digital identities instantly and reduce fraud with layered signals, device insights, and real–time trust assessments.
Synthetic ID Alerts
Detect synthetic identity fraud early with real–time alerts, reducing charge–offs and protecting your bottom line.
Consumer Credit File
Access accurate, up-to-date credit data on 245 million+ U.S. consumers to drive confident lending and expand your customer base.
Explore All the Ways Equifax Empowers BNPL Growth
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