Pay over time at checkout
Instalments at the moment of purchase, online, in your app or over WhatsApp.
Embedded finance for retailers, marketplaces and platforms
Offer credit and accounts under your brand. Without becoming a bank.
Let your customers pay over time at checkout, open an account or send a payment, right inside your app, website or WhatsApp. A licensed partner bank takes care of the regulated side; you keep your brand and your customers.
One retailer: 500K loan requests and 30K new accounts, under its own brand.
Why businesses add finance
01
Close more sales.
Customers who can pay over time don't have to walk away at checkout.
02
Keep customers coming back.
When their account, payments and loans live in your app, they have a reason to open it every week, not just when they shop.
03
Know your customers better.
See how they buy and how they pay, in one place, and make them better offers.
What you can offer your customers
All of it under your brand, in your app, on your website and over WhatsApp. Start with one product and add the rest when it makes sense.
Personal loans
Loans they can request from your app, with a decision and payout without paperwork.
Accounts and savings
An account with your brand where they keep money, save toward goals and see their balance live.
Payments
Transfers, bill payments and QR payments, right from your app.
You bring the customers. We bring the rest.
Offering financial products takes three things: customers, a licensed institution, and the technology to run it all. You already have the first one.
You
Your brand, your customers and the places you sell. You decide which products to offer.
A licensed partner bank
The license, the balance sheet and regulatory compliance, from our network of partner banks.
Cowally
The technology: customer apps, back office, core banking, identity checks and payment connections, plus the team that sets it up and runs it with you.
Your financial products
Pay over time, accounts, savings and payments, under your brand
Your financial products
Pay over time, accounts, savings and payments, under your brand
Already have a license? You can run everything on your own license instead.
For banks, lenders & fintechsFrom checkout to the last payment
01
Choose to pay over time
The option appears right at checkout, with the monthly amount.
02
Confirm identity
A quick identity check, with no paperwork and no branch visit.
03
Get a decision
Your approval rules run, and the customer sees the answer in the same session.
04
Complete the purchase
The purchase goes through and the plan is saved in the customer's account.
05
Pay instalments
Reminders in the app and on WhatsApp, and payment in one tap.
06
Come back
Their account, payments and next pre-approved offer live in your app.
Your team sees everything, in one place
Your commercial and finance teams get their own back office, with every application, loan and payment live, and no spreadsheets in between.
Applications
Every request and its status, as it happens.
Approval rules
Decide who qualifies and for how much; changes need a second person's approval and are logged.
Loan book and collections
Who is paying, who is late, and collection lists ranked by likelihood of payment.
Reports
Sales financed, accounts opened and payments received, ready to export.
A retailer 
Read more client stories
500,000 loan requests at checkout, under its own brand
500K
Loan requests
30K
New accounts
WhoA retailer selling to consumers.
The challenge
Customers wanted to pay over time at checkout, and the retailer did not want to become a bank.
What they did
Added loans at checkout under its own brand, running on Cowally.
The result
500,000 loan requests received and 30,000 accounts opened.
From first call to your first customer
A first launch can take as little as a month. The timeline depends on your systems and how much you want to launch at once.
- 01
Choose your first product
Usually pay over time at checkout. Together we set the rules and the customer journey.
- 02
Connect a partner bank
We connect you with a licensed bank from our network. Skip this step if you already have a license.
- 03
Brand it and connect it
Your brand goes on the app, website and WhatsApp, and Cowally connects to your checkout and systems.
- 04
Test
Your team tries real purchases end to end before any customer sees them.
- 05
Launch Live
You go live with our team on watch for the first weeks.
Questions we hear from businesses
No. A licensed partner bank from our network provides the license and regulatory compliance, and you offer the products under your brand. If you already have a license, you can use your own.
Yours, in your app, on your website and over WhatsApp.
You do.
It depends on your business model, and we agree on it with you and the partner bank before launch. Cowally provides the technology and does not take on credit risk.
In most markets. Where we don't have a partner bank yet, we help you find the right one.
Yes, through documented APIs, plus connections already built for payments, identity checks and credit bureaus.
Most businesses start with pay over time at checkout, then add accounts, savings or payments.
It can take as little as a month, depending on your systems and how much you launch at once.
We share pricing in the demo, based on the products and volumes you plan.
Tell us about your customers. We'll show you what you can offer them.
In one session we'll look at your business and your customers, show a checkout like yours with financing built in, and outline a plan and timeline.