Ionia and Certegy Partner to Launch Largest U.S. BNPL Merchant Network

On October 19, 2022, Ionia and Certegy announced a partnership to launch what they described as the largest U.S. BNPL merchant network. The white-label buy-now-pay-later solution combines Ionia's geo-behavioral marketing technology with Certegy's established risk management and payment processing expertise.

The product is designed for integration into consumer-facing applications at the point of sale across a broad merchant footprint. Ionia contributes its location-based marketing and consumer engagement technology, while Certegy provides risk assessment and payment infrastructure. The partnership represents a significant expansion of BNPL availability across physical retail locations in the United States.

The white-label nature of the offering allows merchants and partners to brand the BNPL experience as their own. Specific financial terms of the partnership were not disclosed.