Here’s a quick overview of how Pay with Liberis helps partners drive growth and improve conversion at checkout:

In today’s competitive landscape, platforms and marketplaces are under increasing pressure to deliver more, more value for customers, more engagement, and more revenue.

Pay with Liberis is designed to help partners meet this demand by enabling small and medium-sized businesses (SMBs) to finance purchases at checkout. By embedding funding directly into the purchase journey, platforms can reduce friction, increase conversion, and unlock new revenue opportunities across their ecosystem.

Pay with Liberis is an embedded, white-label funding solution that allows SMBs to finance purchases at checkout and repay through a fixed percentage of their future revenue.

Unlike traditional Buy Now, Pay Later (BNPL) products, repayments are not made in fixed instalments. Instead, they flex in line with the customer’s daily revenue, making the solution more suitable for business cash flow.

Pay with Liberis is embedded directly into the partner’s checkout experience, allowing customers to access funding at the moment they are ready to purchase.

Step-by-step process

1. Eligibility assessment at checkout - The customer completes a short application, with eligibility assessed using real-time business performance data.
2. Funding offer presented - A tailored funding offer is shown, typically within a predefined range based on the customer’s revenue profile.
3. Funds disbursed to the partner - Once accepted, funds are paid directly to the platform, enabling the transaction to be completed immediately.
4. Repayment through revenue share - The customer repays the total amount through a fixed percentage of their daily revenue.
5. Ongoing tracking and transparency - Customers can monitor repayments and access statements through their account at any time.

Example of repayment

A business receives $5,000 in funding with a fixed cost of $750, resulting in a total repayment of $5,750. If the repayment rate is set at 10% of daily revenue and the business processes $1,000 per day, approximately $100 is repaid daily. At this rate, the funding would be repaid in around 58 days. If revenue decreases, repayments decrease proportionally.

Pay with Liberis is designed for platforms that serve small and medium-sized businesses looking to invest in growth.

Typical merchant profiles

• SMBs with consistent card or digital transaction revenue
• Businesses operating in sectors such as retail, beauty, hospitality, and services
• Merchants purchasing tools, inventory, or services through partner platforms

Common use cases

• Financing POS systems and hardware
• Investing in marketing and customer acquisition
• Purchasing SaaS tools and subscriptions
• Managing inventory and supply costs

Eligibility for Pay with Liberis varies by partner and programme, but typically includes:

• Operating in a supported market (currently the United States)
• A minimum trading history, often around six months or more
• Sufficient and consistent revenue levels
• Completion of standard KYC (Know Your Customer) and KYB (Know Your Business) checks

Pay with Liberis is designed to be transparent and predictable for SMB customers.

Fees

Customers agree to a fixed cost upfront. This means:

• There is no interest charged over time
• There are no late payment fees
• There are no early repayment penalties

Repayment model

Repayments are made automatically as a fixed percentage of daily revenue (often referred to as a “holdback”).

• Payments increase when revenue is higher
• Payments decrease when revenue is lower
• There are typically no fixed monthly repayment obligations

This structure ensures that repayments remain aligned with the performance of the business.

Embedding Pay with Liberis into your platform delivers measurable commercial impact while enhancing the customer experience.

Conversion and revenue

Providing access to funding at checkout reduces friction and enables customers to complete higher-value purchases.

• Partners have seen up to a 14% increase in checkout conversion

Customer engagement and retention

By offering financial tools that support growth, platforms can deepen relationships with their customers.

• Customer uptake of around 40%
• 73% of users go on to adopt additional financial products

Ecosystem growth

Pay with Liberis positions your platform as more than a transaction provider. It enables you to become a growth partner for your customers, supporting their ability to invest and scale.

Pay with Liberis is designed to integrate seamlessly into existing platform experiences.

• Integration is typically delivered via API or pre-built checkout modules
• Most partners can go live within a matter of weeks
• The solution is fully white-label, ensuring a consistent brand experience

Pay with Liberis is currently available in the United States. Additional markets, including the UK and Europe, are part of the planned rollout.

The launch of Pay with Liberis with Vagaro in the United States demonstrates how embedded funding can drive real impact.

• Use case: Financing hardware purchases at checkout
• Integration: Fully embedded within the platform experience
• Outcome: Increased accessibility to high-value products, improved conversion, and stronger merchant engagement

Pay with Liberis combines elements of both models but is specifically designed for embedded platform experiences.

• Unlike traditional BNPL, repayments are not fixed instalments but flex with revenue
• Unlike traditional merchant cash advances, the product is embedded directly into checkout and tied to a specific purchase
• The experience is fully white-label and integrated into the partner journey

• Embedded finance: Financial services integrated directly into a non-financial platform
• White-label: A solution branded as the partner’s own
• Revenue-based repayment (holdback): A fixed percentage of daily revenue used to repay funding
• BNPL-style: A pay-over-time model, adapted here for business cash flow flexibility