A payment method that grows your revenue

Pay Over Time lets your customers split purchases into installments—helping them manage costs while you drive more revenue across checkout, invoices, cards, and more.
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Pay Over Time helps your customers pay and your platform earn

Whether you're powering payroll or selling inventory, Pay Over Time provides businesses with revolving credit for their most important expenses.
Inventory and equipment
Place Pay Over Time at checkout to help businesses make larger investments without cash flow disruption. It makes onboarding new sellers easier, boosts order value, and supports long-term growth—all while helping your platform capture more value per transaction.
Payroll
Embed Pay Over Time as a payment method to help businesses make payroll. Each time a business runs payroll, your platform earns a share of the fee. This strengthens your payroll offering with built-in credit, reduces support load from failed payments, and helps you attract new users with a differentiated experience.
Ads
Use Pay Over Time to bring in new advertisers, raise average spend per campaign, and encourage repeat investment in ads. With fewer upfront costs, businesses can launch sooner, scale faster, and drive consistent performance—generating sustained ad revenue for your platform.
Card programs
Enable Pay Over Time as a repayment option for larger card transactions to lift overall card volume. With access to longer-term credit, businesses can take on bigger expenses more confidently, increasing both frequency and depth of card usage.
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Easy to find, built to convert

Let your customers access Pay Over Time right where they’re already making payments.
At checkout
Add Pay Over Time as a payment method using a link or button in the checkout flow.
In your invoices
Include a Pay Over Time link with each invoice so your customers can apply directly.
On card activity
Have your customers apply for Pay Over Time while reviewing large card transactions.

Built for how businesses manage money

Provide your customers access to revolving credit that’s easy to apply for and simple to repay.

Flexible repayment options

Businesses can choose the payment plan that fits their cash flow, making it easier to stay on track.

A credit limit that grows with them

No credit checks or long applications. Eligibility is based on your customers’ sales history, and limits are reviewed regularly as they grow.

No compound interest, no late fees

Repayment is simple and transparent, with one fixed fee built into the plan—no surprises.

Launch on your terms

Choose the integration path that fits your roadmap. Whether you want to go live with no code, embed hosted components, or build a custom experience, we provide the tools and support to make it happen.

No code

  • Go live with zero engineering work
  • Create pre-approved offers through a self-serve dashboard
  • Share Stripe or Plaid data to automate offers and email marketing

Low code

  • Embed our pre-approved offer component with a few lines of code
  • Pair it with a marketing program tailored to your customers
  • Use our toolkit with best practices and templates to get started

See how embedded financing can support your customers.

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Build out a complete product suite

Capital
Provide access to fast and flexible working capital.¹
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Spend
Turn everyday customer spend into revenue and loyalty for your platform.²
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¹Loans and lines of credit are issued by Celtic Bank.

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²Parafin is a financial technology company, not a bank. Cash Account and banking services provided by Column N.A. ("Column"), Member FDIC. Parafin is not an FDIC-insured depository institution. FDIC deposit insurance covers the failure of an insured depository institution. Deposits in Cash Accounts are eligible for FDIC insurance up to $250,000 per depositor, for each insurable capacity in which the account is held. Spend Cards are issued by Column, pursuant to a license from Visa U.S.A. Inc. Spend Cards are powered by Marqeta. Approval is not guaranteed and is subject to checks. Terms and conditions apply. See here for more information regarding the Spend Card and here for more information regarding the Cash Account.



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