PayFina

PayFina is a US-based, Wilmington-headquartered financing platform, founded in 2019, that describes its offering as affordable consumer credit and point-of-sale financing services, though no active operational presence is documented.

Company typePrivate
Founded2019
HeadquartersWilmington, United States
Headcount11–50
GTM typeB2C
OfferingServices

PayFina firmographics

Firmographics

Name: PayFina
Website: https://payfina.com
Company type: Private
Founded year: 2019
Headcount range: 11–50 employees
Short description: PayFina is a US-based, Wilmington-headquartered financing platform, founded in 2019, that describes its offering as affordable consumer credit and point-of-sale financing services, though no active operational presence is documented.
Ownership category
akta.pro rank

PayFina industry classification

Industry

Product category: Consumer Lending
NAICS: Sales Financing (522220), Activities Related to Credit Intermediation (5223)
SIC: Personal Credit Institutions (6141), Loan Brokers (6163)
akta.pro primary industry: Single-Payment Payday Loans (FSAKAMAA)
akta.pro secondary industry: Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

Consumer credit services
Point-of-sale financing
Consumer lending platform
Affordable credit options
POS lending services

Where PayFina is headquartered

Location

Headquarters

HQ city: Wilmington
HQ country: United States
HQ region: North America

Markets served

PayFina business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Technology or R&D, Operations, Marketing or Sales

PayFina product offering

Product offering

Core offering

PayFina is a financing platform that offers affordable credit options to consumers and provides consumer point-of-sale financing services. The platform enables credit-based purchases at the point of sale, functioning as a consumer-facing credit provider.

Differentiator

Problem solved

Functional benefit

Products and services

Affordable Credit Options Credit products offered to consumers seeking affordable financing through PayFina's platform.
Consumer Point-of-Sale Financing Services Financing services that enable credit-based purchases at the point of sale for consumers.

Companies that use PayFina

Customer profile

Ideal customer profiles1 record

PayFina technology and API

Technology

Technology focussed Yes

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

PayFina competitors and assessment

Company assessment

Direct peers

Affirm: Leading consumer point-of-sale installment credit platform serving U.S. and Canadian merchants. Directly comparable as a POS financing provider offering consumer credit at checkout, the exact category PayFina describes.
Possible Finance: Mobile-first provider of small-dollar, short-term credit to underbanked consumers. Comparable as a fintech focused on 'affordable' short-term credit for subprime/near-prime borrowers — the same niche PayFina appears to target.
Afterpay: BNPL pioneer (now part of Block) offering short-term consumer credit at point of sale. Directly comparable in target customer and product structure to PayFina's stated offering.
Klarna: Global BNPL and short-term consumer credit provider with deep merchant integration. Comparable as a consumer POS credit platform operating a similar 'affordable credit' thesis to PayFina.
Lendio: Small business loan marketplace that aggregates lenders and brokers credit. Comparable to PayFina if PayFina operates a platform/broker model rather than a balance-sheet lender.
Zip (formerly Quadpay): Global POS installment lender offering short-term consumer credit at checkout. Comparable as a direct competitor in the same consumer POS financing category.
Sezzle: Consumer POS installment credit platform serving online and in-store merchants. Closely comparable in business model and target customer to PayFina's described offering.

Broad incumbents

PayPal Pay Later: PayPal's integrated BNPL and short-term credit offering at checkout. Comparable as a large incumbent offering the same consumer POS credit product PayFina describes, with massive distribution advantage.
Best Egg: Personal loan provider focused on affordable consumer credit for near-prime borrowers. Comparable in the 'affordable consumer credit' positioning PayFina uses, though distributed as personal loans rather than strictly POS.

Emerging players

Tally: App-based credit management and personal line-of-credit product for consumer borrowers. Comparable as a fintech delivering 'affordable' consumer credit to middle-income Americans via a digital platform.

Market position

Customer concentration

PayFina financial estimates

Financial estimate

Revenue estimate

Valuation estimate

PayFina leadership team

Management profile

Number of profiles

PayFina funding detail

Funding detail

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

PayFina M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PayFina

What does PayFina do?

When was PayFina founded?

PayFina was founded in 2019. It employs 11 to 50 people.

Where is PayFina based?

PayFina is headquartered in Wilmington, United States, in the North America region.

Who are PayFina's main competitors?

Direct peers on record are Affirm, Possible Finance, Afterpay, Klarna, Lendio, Zip (formerly Quadpay) and Sezzle. Broad incumbents are PayPal Pay Later and Best Egg. Tally is listed as an emerging player.

Does PayFina have an API?

No public API is recorded for PayFina.

What industry is PayFina in?

PayFina's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAMAA, Single-Payment Payday Loans, with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 522220 and its SIC code is 6141.