Paymentology has launched PayCredit, a credit ledger platform that helps digital banks and fintechs design and deliver tailored credit products faster and more efficiently.

The solution integrates card issuing with credit ledger management to reduce complexity and accelerate time to market.

Built specifically for credit processing, PayCredit supports revolving balances, instalments, and Buy Now, Pay Later models, offering built-in billing cycles and real-time tracking.

Issuers can configure limits, interest rates, billing cycles, and repayment models in one place while accessing real-time transaction data, compliance tools, and global scalability through secure APIs.

It also integrates with Apple Pay, Google Pay, and Samsung Pay, and includes UAT simulation testing to validate complex credit scenarios before launch.

Already adopted by fast-growing digital banks, PayCredit enables issuers to roll out credit offerings without building full-scale lending infrastructure, creating new revenue streams in markets where debit-only models have limited customer engagement and long-term growth.

Rob Macmillan, PayCredit Group Product Manager at Paymentology, said,

“We saw that many neobanks and fintechs want to offer credit, but existing solutions lack key credit ledger features, and are too rigid, or too reliant on legacy core systems.

With PayCredit, we’ve built a modern, cloud-first credit capability that gives them the control, flexibility, and speed to launch smarter credit products, without the usual complexity.”

Jeff Parker, CEO at Paymentology said,

“As expectations shift, issuers need infrastructure that can keep pace, and credit systems built on debit rails simply can’t deliver.

PayCredit gives our clients the ability to launch and scale credit offerings quickly and responsibly, with full control over the experience and economics.”

Featured image: Edited by Fintech News Singapore, based on image by ismode via Freepik