Tap Now, Pay Later™ for Digital Wallets by Jifiti enables banks and lenders to deploy approved loans directly into digital wallets like Apple Pay and Google Pay. This white-labeled solution uses virtual cards issued in real time, allowing customers to tap and pay at checkout—online, in-store, or in-app. With zero integration required, it offers a fast go-to-market and seamless experience for both merchants and borrowers.

Features

• Real-Time Virtual Card Issuance: Cards are issued instantly upon loan approval.
• Web-Based Wallet Provisioning: Customers can add virtual cards to Apple Pay or Google Pay directly from the financing web application—no app download needed.
• Omnichannel Compatibility: Works across all channels—online, in-store, and in-app.
• Zero Integration Required: No technical integration needed with merchant systems.
• Supports All Loan Types: Compatible with B2C and B2B financing, including installment loans, working capital, and lines of credit.
• Customizable Card Controls: Restrict usage by merchant, vertical, location, time frame, or amount.
• QR Code Payments: For customers without digital wallets, virtual cards can be issued as QR codes for in-store scanning.
• White-Labeled Branding: Cards can be branded for the lender, merchant, or both.
• Standalone or Embedded: Can be used independently or as part of a broader embedded lending solution.
• Secure Infrastructure: Built on trusted global payment rails.
• Data & Reporting: Real-time dashboards with actionable insights and market-level drill-downs.

Benefits

• Rapid Deployment: Go live within days—ideal for time-sensitive launches.
• Frictionless Experience: No disruption to merchant operations or cashier workflows.
• Increased Credit Utilization: Converts approved loans into immediate spending power.
• Scalable & Flexible: Easily extendable across geographies and merchant networks.
• Customer Convenience: Tap-to-pay functionality enhances borrower satisfaction.
• Full Brand Control: Maintain ownership of the customer experience and data.
• Secure & Compliant: Meets global payment and data security standards.