Buy Now, Pay Over Time Resource Center

Bringing you ideas and insights directly from the buy now, pay later (BNPL) space.

Tearsheet Awards Winners

Tearsheet’s Power of Payments Awards 2022

Citizens Pay has been named the winner of the “Best BNPL” category. Combining the best elements of BNPL financing and PLCCs, we provide merchants and their customers with an innovative, all-in-one financing solution for larger purchases.
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Citizens Pay Leads the Growth of POS

Citizens Pay has been leading the rapidly growing POS industry in recent years by catering to new consumer needs and partnering with brands to tailor their POS capabilities. To learn more, click below to download our latest white paper.
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Lightening the Load of Life’s Milestones

Life’s big moments often come with the stress of a big price tag. Our survey of 2000 adults found how pay over time financing can help.

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Citizens Pay Helps Ease Inflation Concerns

As an all-in-one financing solution with flexible payment options, Citizens Pay helps business partners attract new customers even during times of higher inflation.

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Offer a better way to finance home improvements

As consumers continue to improve their living spaces, home service professionals who offer Citizens Pay make financing both simpler and more affordable.

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BNPL Sales Up Amid Economic Challenge

With flexible terms and seamless upgrades, a BNPL solution like Citizens Pay makes consumer electronics and other big-ticket items more affordable.

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Is BNPL Right For Your Business?

Find out if Citizens Pay® is the right BNPL for your specific industry. Get ready to boost your bottom line and upgrade the purchasing experience.

Grow Strategically
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How BNPL Influences Buying Decisions

In this article you’ll find out what motivates consumers to use BNPL and different ways to improve customer experience and increase sales.

Find Positive Outcomes
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How BNPL Helps Put Customers First

This article explains how a BNPL payment solution can improve customers’ experiences and increase loyalty for your business.

Improve Loyalty
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How BNPL Helps Retailers Generate Growth

Read about the different ways BNPL generates growth and how to increase AOV and cultivate customer loyalty.

Drive Growth
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BNPL Gives Customers Purchasing Power

Learn how BNPL improves the POS experience, allowing customers to have more options and control over their finances.

Empower Shoppers
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The BNPL For Repeat Purchases

Discover how Citizens Pay enables repeat purchases and increases loyalty with a line of credit and simple one-time application.

Drive Repeat Purchases

We’re In The News

What the Fintech? Podcast Talks to Citizens Pay

Hear about the current BNPL industry trends — and expectations for the future — in this enlightening interview with Citizens Pay’s Chief Product and Strategy Officer, Gaurav Sethi.

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New Consumer Habits Spur BNPL Growth

As consumers watch their spending more closely, Citizens Pay offers a great alternative to store credit cards.

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BNPL Usage Grows Among Gen Z Consumers

In the wake of growing inflation, Gen Z consumers turn to installment financing solutions like Citizens Pay as an alternative to credit cards.

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Citizens Pay Sets a Strategy for Growth

With its innovative merchant-tailored BPNL-style financing and focus on larger purchases, Citizens Pay brings a strategic growth solution to merchants.

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What Fintechs Can Learn from Citizens Pay

Citizens Pay improves Buy Now, Pay Later offerings with more flexible repayment options and greater value for merchants selling larger ticket items.

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Microsoft Store Offers Financing

Citizens Pay adds flexibility and responsible, interest-free financing across all Microsoft products.

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Citizens Pay Expands Partnership

Microsoft customers can now use Citizens Pay to purchase any hardware, accessories or subscriptions online.

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Dental Care Is A New Financial Niche

Buy now, pay later financing is becoming an alternative solution for people without insurance to afford dental care.

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