ALLSAVE Buy Now, Pay Later (BNPL)
B2B Buy Now Pay Later
Offer qualified consumers and business customers flexible financing options while your company may receive approved transaction proceeds upfront.
B2C and B2B financing pathways
Help customers move forward without managing installments yourself
ALLSAVE provides the branded customer experience; participating lenders handle underwriting, approval and the financing agreement.
Present BNPL
Offer ALLSAVE Buy Now, Pay Later at checkout or with an eligible proposal, contract or invoice.
Customer applies
The consumer or business customer completes the appropriate digital application.
Review and decide
The applicant reviews any available amount, total cost, payment schedule and agreement.
Complete the sale
After approval and all required conditions, the merchant receives proceeds under the program agreement.
Make Buy Now, Pay Later part of the sale
ALLSAVE Buy Now, Pay Later (BNPL) is a white-label financing solution for companies serving consumers, businesses or both. It gives an eligible customer the opportunity to move forward with an approved purchase now and repay the financing obligation over time.
How the transaction works
The financing option can be introduced at checkout or while a proposal, contract or invoice is being considered. The customer completes the appropriate digital application, reviews any available terms, and decides whether the payment schedule fits the household or business budget. When an approved transaction closes and all conditions are satisfied, the seller may receive applicable proceeds without personally collecting installments.
- Add a pay-over-time option to an existing sales or payment process
- Send the consumer or business customer to the appropriate mobile-friendly application
- Let participating lenders determine eligibility, amount and terms
- Allow the customer to review the full cost and payment schedule before accepting
- Receive approved proceeds according to the merchant program agreement
Start with a conversation
Tell us how your business operates, what you are trying to improve and what matters most in the relationship. Our guidance reflects Christian commitments to truth, stewardship, accountability and service.
(480) 566-9000 | [email protected]
Request a consultationTwo pathways: B2C and B2B
B2C BNPL may support eligible home services, healthcare, retail and other larger consumer purchases. B2B BNPL may support professional services, information technology, software, marketing, consulting, manufacturing, transportation, equipment, installation and other approved business expenses. Product availability, applicant criteria and terms differ between consumer and commercial programs.
Financing without managing installments yourself
Rather than creating an in-house payment plan or carrying an open receivable, the seller can present an applicable BNPL program. A participating finance provider evaluates the applicant and, after approval and completion, administers repayment under the accepted agreement.
Responsible financing comes first
Christian stewardship means financing should support—not strain—a household or business. Applicants should review the total repayment amount, payment frequency, term, rates or fees, default provisions and budget or cash-flow impact. ALLSAVE will not describe approval as guaranteed or encourage a customer to accept financing that is not reasonably affordable.
Important financing disclosure
ALLSAVE is not a bank or lender and does not make credit decisions. Consumer and business-purpose financing is offered through participating third-party lenders and technology partners. Approval, available amount, rates, fees, terms, funding timing and merchant proceeds are determined by the applicable program and final agreements. Availability may vary by applicant, transaction, industry and jurisdiction.
Buy Now, Pay Later questions
Answers for merchants, consumers and business customers
Does this support both B2C and B2B purchases?
Yes. Available programs may support eligible consumer purchases, business-purpose purchases or both. The correct pathway depends on the merchant, applicant, transaction and participating financing provider.
Does the merchant have to collect installments?
No. The participating finance provider administers the accepted financing agreement. The merchant receives proceeds according to the applicable merchant program terms.
Is approval guaranteed?
No. Eligibility, available amount, pricing, term and approval are determined by participating lenders after reviewing the application.
How is this different from an in-house payment plan or net terms?
An in-house plan or net terms leaves the receivable and collection work with the seller. BNPL uses third-party financing so an approved customer can repay over time while the seller receives proceeds under the program agreement.
What should a customer review before accepting financing?
The applicant should review the total repayment amount, payment schedule, term, rates or fees, late/default provisions and whether the obligation fits the household budget or projected business cash flow.
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