A FinTech Company Providing No-Cost Credit to the Underserved

Zebit’s payment system technology opens online shopping to 60 million Americans by granting no-cost credit to the underserved population. Due to cash constraints or lack of credit access, these consumers typically turn to high-cost off-line financing methods (payday loans, rent-to-own, in-store financing) with payments that can total over 3 times the purchase value. Zebit’s payment platform is the first to grant real-time, no-cost, no credit-check, 0% APR financing to the underserved, and is available to any online merchant as a primary payment method.

By combining payroll data with sophisticated risk analytics, Zebit grants high-limit credit lines and collects installment payments through automated deduction processes. This new technology brings a huge new market to online merchants and offers consumers the benefits of internet commerce (product selection, lower prices, and mobile-shopping convenience). Zebit provides the credit, payment system, and retail affiliate network that will disrupt the $25 billion high-cost, off-line installment financing industry.

Zebit offers its innovative credit and payment system technology to leading organizations as part of a no-cost financial wellness package that also includes custom employee self-assessments and financial education to help individuals living paycheck-to-paycheck understand their current finances, plan for the future, and experience financial freedom.

Facts & Stats

  • Zebit has a proven ability to get to profitability 75% faster than other platforms.
  • Its latform gets smarter and more experienced with new data. With over a million transactions already under our belt, the Zebit engine is the smartest around – combining billions of pieces of structured and unstructured data.
  • Zebit was built by the same people who developed the credit card fraud protection system used by major companies to protect over 2 billion credit cards worldwide.