Every product your customers ask for. One integration.
Oyaka gives your institution a suite of consumer products to embed under your own brand: Pay in 3 for essential bills, EarlyPay, AutoFloat, travel installments, rent reporting, bill rewards and identity and privacy protection. Turn them on one at a time and grow the customers who choose you.
Pay, borrow, build credit, earn and stay protected
Every product runs on the same customers, identity checks, consents, ledger and webhooks. Add the next one without a new integration.
Pay in 3
Essential bills paid on the due date, repaid in three.
Learn more →EarlyPay
Part of the paycheck, before payday.
Learn more →AutoFloat
A credit line backed by the car, to keep bills paid.
Learn more →Oyaka Travel
Book the trip now, pay over time.
Learn more →Rent Reporting
On-time rent that builds credit.
Learn more →Everyday Bills Rewards
Rewards on the bills they already pay.
Learn more →Privacy Protect
Personal details kept off the market.
Learn more →Identity Protect
Identity monitoring, with someone on their side.
Learn more →Oyaka Wallet
A stored-value balance to spend, save and cash out.
Learn more →Cashback
Payments-led loyalty, straight into the wallet.
Learn more →Offers
Targeted offers your customers redeem to their balance.
Learn more →Balance Boost
Reward customers for keeping a balance.
Learn more →Goal Pay
Savings goals friends and family can pay into.
Learn more →Drops & Raffles
Prize drops and raffles that pay winners to their wallet.
Learn more →SpendNest
Spend tracking, round-ups and subscription spotting.
Learn more →Insights
Ask your program's data a question.
Learn more →Branded Debit Card
A debit card on the wallet, in your brand.
Learn more →Embedded Payments
Take payments inside your product.
Learn more →More reasons to open an account, and to keep it
Win new customers
Products people search for, like bill help, early pay and credit building, offered under your brand.
Become the primary account
Bills, paychecks and rent flow through your app, so deposits and engagement follow.
Earn on every product
Revenue share or subscription margin on each product you switch on.
We carry the operations
Underwriting, money movement, servicing, complaints and compliance work, with you in control.
Choose how deep to integrate
Start with a hosted link, go white-label when you're ready, or build your own experience on the API. Products and data carry over when you switch.
Built to pass your vendor review
Every account number encrypted, tenant isolation tested on every release, immutable audit trails, sanctions screening and complaint handling built in.
Add the suite to your product lineup
Banks, credit unions, fintechs and employers run Oyaka to give customers more ways to pay, borrow, build credit and stay protected — under their own brand. Turn on the products your customers are asking for.