Installment cards

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.

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.

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.

Our platform provides comprehensive loan management capabilities. You can set credit limits and manage loan preferences for different customer groups, and the Episode Six platform automatically calculates amortization schedules to ensure accuracy. This functionality helps businesses offer structured consumer financing products with ease, handling all the necessary calculations and tracking automatically within a single system.

Yes, our solution enables pre- and post-purchase transaction conversion. This provides your customers with the flexibility to convert a purchase into an installment plan either before or after the transaction takes place. This versatility allows you to offer more convenient financing options that meet the needs of modern consumers.

A real-time ledger is a core financial system that instantly updates account balances and allows you to define and deliver loans at any point in the customer journey. This is crucial for installment cards because it ensures every payment and balance update is processed immediately. This real-time functionality provides unbreakable accuracy and eliminates the reconciliation errors associated with traditional batch processing.

Yes, our platform allows for configurable settings for specific customer groups, enabling you to offer personalized financing rates and terms. This is a key feature for businesses that want to build unique, differentiated financial products that cater to specific market segments. Our platform gives you the flexibility to define these rules and deploy them in real-time.

Our installment credit solution is designed for a variety of customers who are looking to offer modern financing options. This includes Tier 1 banks, digital banks, lenders, and BNPL providers. The Episode Six platform's flexibility makes it suitable for both large financial institutions that want to modernize their offerings and new players who are looking to disrupt the market.

Our solution is built on cloud-based, dynamic APIs that can be easily integrated into existing banking apps and third-party platforms. This API-driven approach allows for seamless integration, enabling you to embed lending capabilities directly into your existing ecosystem without the need for a full-scale migration or a lengthy development process. It provides a modern and efficient way to build new products.

A cloud-based platform offers enhanced scalability and flexibility, allowing you to adapt to market changes and launch new products quickly. By leveraging a cloud-based platform, you can reduce the cost to operate and ensure your technology is always ready for the future.

Our platform is a modern alternative that provides a configurable and API-driven solution, unlike the rigid systems of legacy providers. This gives you the ability to launch new products faster, reduce the cost to operate, and adapt to market changes with greater flexibility. Our cloud-based solution also provides enhanced scalability and security that are difficult for older systems to match.