BNPL Built Around Your Bank

Nearly half of cardholders already use third-party Buy Now, Pay Later providers like Affirm, Klarna and Afterpay. But many cardholders would prefer to use a BNPL product offered by their own financial institution.

That’s where Flex Payments comes in. This flexible, bank-owned BNPL solution helps you bring that experience back to your bank.

Powered by deep expertise in community banking and customizable to your organization, Flex Payments gives you the tools to compete with fintechs and national providers — while strengthening the trust and relationships that define your institution.

Flex Payments for Credit

Enhance existing credit relationships by supporting different repayment behaviors and unlock new revenue from cardholders who typically pay in full.

Give customers flexibility and control over how and when they pay

Enable larger purchases than customers would typically make without BNPL

Offer features like Skip a Pay and enhanced statement capabilities

Flex Payments for Debit

Drive engagement and interchange revenue within your debit program while capturing spend that would otherwise go to third-party providers.

Offer BNPL without applications or checking credit

Give cardholders pre-purchase or post-purchase payment options

Enable instant access with a seamless journey completed in under 30 seconds

Built for Control and Customization

Unlike third-party BNPL providers, Primax doesn’t impose a rigid structure. We offer a fully white-labeled, bank-branded digital experience designed for quick implementation, with the ability to tailor it to your financial institution.

Leverage 40 data points to define and modify your qualification criteria in real time
Customize cardholder notifications, delivery methods and frequency
Scale the program based on your customer base and growth strategy

Connect with Our Team