equipifi Launches Risk-Based Pricing for BNPL to Enhance Lending Flexibility and Control
equipifi, a leading Buy Now Pay Later (BNPL) platform provider for banks and credit unions, has introduced an enhancement called Risk-Based Pricing as part of its decision engine. This new feature allows financial institutions greater flexibility in tailoring BNPL offers to account holders based on their real-time cash flow data while maintaining competitive terms with major installment loan providers. The update enables lenders to set personalized limits, rates, and terms that align with an individual's banking history and risk profile. It also supports engagement strategies by allowing newer or less-established customers to build financial histories through BNPL usage over time. The enhancement became generally available in October 2026 as part of the standard equipifi platform for all current and new clients. According to Bryce Deeney, CEO and Founder of equipifi, this advancement strengthens institutions' ability to offer competitive lending options while leveraging their existing data on account tenure, balances, and cash flow—key advantages over third-party BNPL providers.
Topics: BNPL lending technology risk-based pricing