Tap Now, Pay Later™ for Google Pay is a white-labeled embedded lending solution by Jifiti that enables banks and lenders to provision approved consumer and business loans directly into Google Pay. Built on Jifiti’s proprietary virtual card technology, this solution allows customers to use their loan funds to make purchases via Google Pay—online, in-store, or in-app—just like a regular card transaction. It requires no integration with merchant systems and can go live within hours.

Features

• Virtual Card Issuance: Customers receive a virtual card linked to their loan program immediately upon approval.
• Web-Based Wallet Provisioning: Customers can add the virtual card to Google Wallet directly from their web-based loan application—no app download required.
• Real-Time Fund Validation: Each transaction is checked against the customer’s loan terms to apply the correct amount.
• Zero Integration: No technical integration needed with merchant systems.
• White-Labeled Experience: Fully branded for the bank or lender.
• Omnichannel Compatibility: Works anywhere Google Pay is accepted—online, in-store, in-app.
• Supports All Loan Types: Compatible with both B2C and B2B financing.
• Merchant-Specific Controls: Can be configured for use only at specific stores or brands.
• Security & Compliance: Built-in safety measures and compliance with global payment standards.
• Quick Time to Market: Deployable within hours using Jifiti’s infrastructure.

Benefits

• Boost Credit Utilization: Convert more approved loans into actual spending.
• Increase Customer Adoption: Offer customers their preferred payment method.
• Expand Market Reach: Tap into Google Pay’s 150 million global users.
• Frictionless Merchant Experience: No disruption to merchant operations or cashier workflows.
• Brand Control: Maintain full ownership of the customer experience and branding.
• Operational Simplicity: Treated like a regular card transaction—no reconciliation needed.
• Scalable Deployment: Easily extend across geographies and merchant networks.