Installment cards

Power installment cards with a ready-to-launch solution.

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Any card product you can imagine

We're live in 16 cloud regions to get you started quickly and securely
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Offer pre- and post-purchase transaction conversion.
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Offer pre- and post-purchase transaction conversion.
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Manage loan preferences.
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Manage loan preferences.
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Manage credit limits and risk.
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Manage credit limits and risk.
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Enable multiple monetization options between interest accruing loans and fees.
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Enable multiple monetization options between interest accruing loans and fees.
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Provide preferred payments, split payments, and amortized lending.
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Provide preferred payments, split payments, and amortized lending.

With our cloud-based, dynamic APIs, you can offer BNPL and the ability to split payments in any customer experience:

General - banking app
Your existing banking app
Cards - installments - third party platform
Third-party platforms
Cards - wallet
Virtual cards

Enable customers to pay what they want, when they want

With Episode Six's installments platform, you can capitalize on the growing demand for installment loans. Whatever you want to build, our real-time ledger lets you define, calculate, and deliver loans at any point in the customer journey.

The Episode Six installment credit solution automatically calculates an amortization schedule and handles repayment processing for any loan. You can fully customize your offering, whether it's for a portfolio of customers, designated customer cohorts, or an individual customer.

More than just a card product

Episode Six enables the features your customers want:
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Pre-purchase loans
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QR code-driven BNPL
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Post-purchase transaction conversion
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Pre-purchase loans
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QR code-driven BNPL
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Post-purchase transaction conversion

Our installments-enabled payment cards empower you to meet evolving customer needs and drive engagement with unique offerings tailored to modern demands.

With Episode Six, you can quickly build an installment loan product tailored to your unique use case, and give customers instant access to credit.

Comprehensive loan management

Easily manage loans, including repayment hierarchies, credit limits, repayment terms, and payment processing, ensuring efficient handling of customer accounts on our all-in-one platform across cards and loan management.

Cards - installments comprehensive loan
Cards - installments customizable settings

Customizable settings

Configure loan settings for specific customer cohorts or an entire portfolio, enabling tailored financial solutions for diverse customer needs.

Ability to support loans through other channels

Our platform offers the flexibility of in-house ledgering, allowing transactions to be initiated independently of traditional card networks, either pre-purchase or post-purchase.

This means we are not solely tied to card transactions but can also facilitate internal payment transactions. This capability is especially beneficial for businesses seeking to implement a closed-loop system, providing a streamlined and controlled approach to managing payments within their ecosystem.

Cards - installments third-party loans

FAQs

Can my business customize installment plans for our customers with Episode Six?

No problem. Our platform enables businesses to configure customized installment options, including:

  • Fixed-term installment plans (e.g., 3, 6, 12, or 24 months)
  • Zero-interest or low-APR offers to attract more customers
  • Deferred payment options (buy now, start paying later)
  • Personalized financing rates based on customer profiles

With our real-time APIs, businesses can offer tailored repayment structures that match their customers’ needs.

How does the Episode Six platform support real-time installment approvals?

Our cloud-native platform processes installment approvals instantly at checkout using:

  • Real-time credit decisioning based on customer risk assessment
  • Dynamic installment plan selection tailored to individual spending behavior
  • Seamless integration with digital wallets & e-commerce platforms

This ensures an easy and instant approval process, increasing conversion rates at the point of sale.

Can installment cards be used for both online and in-store purchases?

Yes! Our platform supports installment card usage across all channels, including:

  • E-commerce checkouts (integrated as a BNPL option)
  • In-store purchases (via physical or virtual installment cards)
  • Subscription services (for recurring payments or financing memberships)

Customers can easily manage their payments through a connected mobile app or online portal.

Ready to offer your customers the best of installments? Contact us today.

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