Pay over time
Pay in 3
Essential bills paid on the due date, repaid in three.
Oyaka pays the utility, phone, internet, rent, insurance or medical bill directly. Your customer repays in three equal payments with no interest and no late fees.
For your customers
- Pick the company, enter the amount, get a decision in seconds
- We pay the bill on or before the due date
- Three payments from their paycheck or bank, with reminders
For you
- Paid by payroll deduction, ACH, or collected by you
- Set three or four payments, every two weeks or monthly
- Adverse action reasons and full servicing included
How to offer it
Three ways to ship Pay in 3
By API
Full REST API and webhooks — build your own experience on our engine, with a complete sandbox.
White-label portal
Your brand on the portal, emails and texts, with an admin console for your team.
Hosted link
A co-branded page you drop into your app or a bill — live in days, no build required.
More from the suite
Products that pair well
Add Pay in 3 under your brand
Tell us about your program and we'll scope Pay in 3 with you.