Products

FlotE

BNPL for the Debit and Cash Majority

Legacy Buy Now, Pay Later (BNPL) companies in the US still rely on FICO data to qualify approvals, pushing the majority of consumers toward cash and debit.

Flote changes that with real-time cash-flow decisioning, extending access where traditional credit can’t. More responsible buyers get approved, and merchants always get paid in full.

A digital illustration of people walking through a security checkpoint, with a scanner gate and a security shield icon, representing online security or data protection.

Serves Customers Others Don’t

We serve over 150 million adults who are largely excluded from BNPL due to credit-based eligibility, highlighting the need for more inclusive financial solutions.

Tablet displaying a business growth dashboard with upward trending graphs, percentage increases, and pie charts.

Ideal for Merchants

Our solution boosts approvals and order values, integrates via PSP, API, or plug-in, ensures secure payments with next-day settlement (D+1), and offers real-time analytics with intuitive dashboards.

Digital illustration of a financial transaction, showing a Frote debit card, cash register, and coins with dollar signs, indicating money transfer or banking activity.

Ideal for Customers

Experience a FICO-free approval process with no interest, no fees, and no impact on your credit score. Our service works seamlessly anywhere cards are accepted, offering you convenient, payday-aligned repayments that fit your schedule.

Learn More

iSentric

AI Omnichannel Customer Engagement

Launch and deliver AI-driven interactions across various channels. Whether it’s a new product announcement or urgent alerts, our AI-enhanced messaging gets your message noticed.

Illustration of digital profiles on a computer screen, depicting online identity verification, with documents, checkmarks, and data icons.

Hyper-targeted audience segmentation

Create a cohesive visual identity that resonates with your ideal audience and reinforces brand recognition.

Illustration of financial planning items including stacks of dollar bills, coins with dollar symbols, a calculator, a calendar, bar graphs, and a financial report with pens.

Automated delivery optimization

Ensure every event leaves a lasting impact through automated delivery paired with strong, consistent branding.

Illustration of a smartphone with chat messages, profile icons, emojis, and chat bubbles in a colorful digital communication scene.

Scalable to millions, managed with ease

Provide expert insights that empower you to scale confidently while staying in control.

Learn More