Citizens Pay is the modern leader in buy now, pay later financing offering the most innovative and flexible POS financing solution for larger purchases. As a fintech within a premier bank with over $225B in assets, we bring the forward-thinking and agility of a fintech plus the financial strength of a leading national bank. Our digital platform is fully configurable to tailor the co-branding, marketing, financing offers and customer experience to meet the precise needs of our clients. Our versatile and innovative digital product provides a superior omnichannel solution designed to drive growth, loyalty, and best-in-class experiences. Citizens Pay delivers innovative products and experiences for top brands such as Apple, Microsoft, Z Gallerie, Wayfair and more with full spectrum lending, the widest choice of financing offers, plus the ability to support special programs including promotional offers, subscriptions, and upgrades.