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Products

The Oyaka suite

Eighteen products on one platform — pay over time, earned wage access, credit building, a stored-value wallet, cashback, savings and spend tracking, and more. Switch on the ones that fit your customers; most are available by API, in the white-label portal or as a hosted link, with branded cards and payments in early access. Open any product to see how it works.

Essential bills paid on the due date, repaid in three.

Part of the paycheck, before payday.

A credit line backed by the car, to keep bills paid.

Oyaka Travel

Book the trip now, pay over time.

Rent Reporting

On-time rent that builds credit.

Credit building

Everyday Bills Rewards

Rewards on the bills they already pay.

Privacy Protect

Personal details kept off the market.

Identity Protect

Identity monitoring, with someone on their side.

Oyaka Wallet

A stored-value balance to spend, save and cash out.

Payments-led loyalty, straight into the wallet.

Targeted offers your customers redeem to their balance.

Balance Boost

Reward customers for keeping a balance.

Savings goals friends and family can pay into.

Drops & Raffles

Prize drops and raffles that pay winners to their wallet.

Spend tracking, round-ups and subscription spotting.

Money management

Ask your program's data a question.

Branded Debit Card

A debit card on the wallet, in your brand.

Embedded Payments

Take payments inside your product.

Pick your first products

Start with Pay in 3, then add products as your customers ask for them.