Paymentology Launches PayCredit to Power Credit Innovation for Digital Banks and Fintechs

Paymentology Launches PayCredit to Power Credit Innovation for Digital Banks and Fintechs

Paymentology has introduced PayCredit, a modern credit ledger platform designed specifically to help digital banks and fintechs launch feature-rich credit products rapidly and at scale.

The new platform integrates card issuing with full credit-ledger management enabling issuers to offer both revolving credit and installment-based models, overcoming the limitations of traditional debit-based or legacy credit systems.

What PayCredit Offers

• Credit-native architecture
  PayCredit is built from the ground up to support credit billing cycles, interest calculations, real-time balance tracking, and flexible repayment structures. Legacy systems, often retrofitted from debit rails, struggle with these functions.

• Configuration & speed to market
  The platform provides configurable limits, custom interest rates, billing-cycle logic and repayment options all accessible via APIs. This enables issuers to bring new credit products to market more quickly.

• Integrated card issuing + digital wallet support
  Issuers can manage card issuance and credit ledger functions in one system, with support for digital wallets such as Apple Pay, Google Pay and Samsung Pay. Real-time transaction and balance data enable enhanced user experiences.

• Global scalability & flexibility
  PayCredit supports global rollout via a unified API, with adaptability for local regulatory and market conditions. UAT simulation capability allows clients to test many months of processing in minutes.

• Use cases: revolving, BNPL & instalments
  The platform supports multiple credit product types, traditional revolving lines, buy-now-pay-later (BNPL) and installment loans giving fintechs flexibility to meet modern customer expectations.

Why This Matters

• Meeting evolving consumer expectations
  Today’s consumers expect both flexible credit and instalment options but many legacy lending systems cannot deliver this. PayCredit addresses these customer demands and supports new revenue models.

• Lowering time to market for credit products
  For digital banks and fintechs looking to launch or expand credit offerings, a platform that combines issuing and ledger management reduces complexity and removes legacy constraints.

• Expanding opportunities in debit-only markets
  In markets where many issuers are limited to debit cards, introducing credit capabilities via a platform like PayCredit opens new revenue streams and customer engagement pathways.

• Competitive edge via modern infrastructure
  With real-time data, API-driven configuration and integrated wallets, issuers gain the technological edge needed to stay ahead of fintech competitors.

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