WeGetFinancing
WeGetFinancing is a cloud-based, multi-lender BNPL gateway that connects ecommerce merchants and physical retailers with multiple financing options at checkout. Operated by Emerging Payments Technologies Inc., it serves SMB and enterprise merchants across ecommerce, retail, automotive, and tax verticals.
- Company typePrivate
- Founded2003
- HeadquartersLong Branch, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What WeGetFinancing does
WeGetFinancing operates a cloud-based, multi-lender Buy Now Pay Later (BNPL) gateway that connects ecommerce merchants and physical retailers with multiple lending partners, presenting consumers with a single application that surfaces several financing offers at checkout. Financing is offered for purchases between $200 and $15,000 with terms up to 60 months and instant approval for qualified buyers, and the underlying workflow is anchored by the company's patented Express Verifiable Authorization (EVA) process for identity verification and credit finding, granted by the US Patent & Trade Office in February 2007.
The platform is operated by Emerging Payments Technologies Inc., a privately held Delaware corporation founded in 2003, with the WeGetFinancing brand launched in 2021. Distribution occurs through native plugins for Shopify, WooCommerce, BigCommerce, and Adobe Commerce; an Application API and PPE widget for product and cart pages; link-based integration for code-less merchants; and, following the August 2024 Sensepass partnership, embedded BNPL functionality inside more than 30 point-of-sale systems including Oracle, Xstore, and Microsoft Dynamics. The company also offers a tax resolution financing vertical as an adjacent use case.
WeGetFinancing generates revenue via transaction fees on financing facilitated between merchants and lenders, on a usage-based / pay-as-you-go basis. Merchant sign-up is self-serve and pricing is not publicly disclosed. The named customer base spans SMB and enterprise merchants across ecommerce, retail, home improvement, automotive, and tax services — including Quality Home, TRA, Backyard Escapism, Clear Start Tax, and EZRide — supported by a small (1-10 employee) operating team under founder and CEO Stephane Touboul.
WeGetFinancing firmographics
Firmographics- Name
- WeGetFinancing
- Legal name
- Emerging Payments Technologies Inc.
- Website
- https://wegetfinancing.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- WeGetFinancing is a cloud-based, multi-lender BNPL gateway that connects ecommerce merchants and physical retailers with multiple financing options at checkout. Operated by Emerging Payments Technologies Inc., it serves SMB and enterprise merchants across ecommerce, retail, automotive, and tax verticals.
- Ownership category
- akta.pro rank
WeGetFinancing industry classification
Industry- Product category
- Buy Now Pay Later (BNPL) Consumer Financing Platform
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
- akta.pro secondary industries
- Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), Merchant-Integrated BNPL (Online Checkout) (FSAKACAA), BNPL Merchant Enablement (Plugins, Gateways, Reconciliation) (FSAGAIAF)
Keywords
Where WeGetFinancing is headquartered
LocationHeadquarters
- HQ city
- Long Branch
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
WeGetFinancing business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Transaction Fees: WeGetFinancing earns revenue by facilitating financing transactions between merchants and lenders. The platform acts as a gateway connecting merchants offering financing to consumers with lending partners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Consumer Financing - Financing Plans |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
WeGetFinancing product offering
Product offeringCore offering
WeGetFinancing operates a cloud-based, multi-lender Buy Now Pay Later (BNPL) gateway that connects merchants with multiple lending partners in a single checkout application. The gateway offers instant financing approvals for amounts ranging from $200 to $15,000 with terms up to 60 months, available to ecommerce merchants, brick-and-mortar retailers (via POS integration through Sensepass), and consumers. Merchants integrate through native ecommerce plugins (Shopify, WooCommerce, BigCommerce, Adobe Commerce), an Application API, a PPE monthly payment widget, or a Link integration method.
Product overview
WeGetFinancing is a cloud-based, multi-lender Buy Now Pay Later (BNPL) gateway platform operated by Emerging Payments Technologies Inc. The core product is the WeGetFinancing BNPL Gateway, which presents customers with multiple lending options at checkout. The platform supports ecommerce financing (instant installment plans at checkout), storefront financing, and in-store POS financing through the Sensepass partnership. Merchants can integrate via supported plugins for Shopify, WooCommerce, BigCommerce, and Adobe Commerce; use the Application API for custom integrations; deploy the Monthly Payment Plugin/PPE widget; or use the Link Merchant Integration for quick setup. Additional offerings include Tax Resolution Services for merchants.
Differentiator
Problem solved
Functional benefit
Products and services
- WeGetFinancing BNPL Gateway Cloud-based multi-lender BNPL gateway that connects merchants with multiple lending partners in a single checkout application, offering instant approval on financing from $200 to $15,000 with terms up to 60 months for ecommerce and in-store purchases.
- Tax Resolution Services Tax resolution services offered to merchants and consumers alongside the BNPL gateway, enabling tax obligations to be addressed through the same WeGetFinancing relationship.
Quantifiable outcome
- Boost conversion rates and lower cost per acquisition
- +1 more outcomes
Companies that use WeGetFinancing
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles3 records
WeGetFinancing technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature4 records
WeGetFinancing partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- SensepasscoreStrategic partnership to integrate BNPL solutions into in-store retail environments using Sensepass's digital wallet technology. The partnership enables merchants to offer financing plans up to $15,000 with terms up to 60 months and instant approval. The integration embeds directly into over 30 point-of-sale systems including Oracle, Xstore, and Microsoft Dynamics.
- ShopifycoreNative plugin integration allowing Shopify merchants to seamlessly add WeGetFinancing BNPL options to their checkout flow
- WooCommercecorePlugin integration for WooCommerce merchants offering checkout financing options
- BigCommercecoreNative integration for BigCommerce platform merchants
- Adobe CommercecoreIntegration with Adobe Commerce (formerly Magento) for enterprise merchants
- OraclecorePOS system integration through Sensepass partnership for Oracle retail systems
- Microsoft DynamicscorePOS system integration through Sensepass partnership for Microsoft Dynamics retail solutions
- XstorecorePOS system integration through Sensepass partnership for Xstore retail systems
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
WeGetFinancing competitors and assessment
Company assessmentDirect peers
- Splitit: BNPL platform that lets consumers pay in installments using their existing credit card. Comparable in merchant-integrated checkout financing with a technology-layer (rather than balance-sheet lender) approach similar to WeGetFinancing's gateway model.
- Affirm: Leading US-based BNPL platform offering point-of-sale installment loans for ecommerce and in-store merchants. Directly comparable in product category, target merchants, and consumer financing use cases, though Affirm is balance-sheet funded and significantly larger.
- Klarna: Global BNPL platform providing pay-in-installments options at online and in-store checkout. Overlaps directly on multi-lender-style checkout financing, multi-country merchant integrations, and consumer financing up to higher-ticket amounts.
- Sezzle: US-headquartered BNPL platform serving ecommerce and in-store merchants via integrations with Shopify, BigCommerce, and other platforms. Closely comparable in target merchant segments (SMB ecommerce) and product-led plugin distribution model.
- Zip (Block, Inc.): BNPL provider serving both online and in-store merchants with installment plans at checkout. Comparable in cross-channel (online + POS) BNPL strategy and merchant integrations, though substantially larger and publicly listed.
Broad incumbents
- Bread Financial: Large US sales financing and private-label credit provider offering installment and revolving credit at retailer checkout. Comparable in higher-ticket consumer financing (especially in retail verticals) but as a balance-sheet lender with a much larger enterprise footprint.
- PayPal (Pay Later): Incumbent digital payments platform offering Pay Later (Pay in 4 and Pay Monthly) installment products at checkout. Competes in the same merchant-integrated BNPL category, but as a much broader payments and wallet suite rather than a focused BNPL gateway.
- Synchrony Financial: Major US consumer financing provider offering private-label credit cards and installment loans at retail and ecommerce checkout. Comparable in retailer-integrated financing up to higher-ticket amounts, but as a much larger incumbent with bank balance-sheet funding.
Emerging players
- ChargeAfter: Multi-lender BNPL / point-of-sale financing orchestration platform that, like WeGetFinancing, routes a single consumer application to multiple lenders to maximize approval rates. The closest direct conceptual analog to WeGetFinancing's multi-lender gateway approach.
- Perpay: US BNPL platform focused on employer-integrated payroll-deduction financing for ecommerce purchases. Overlaps with WeGetFinancing on SMB ecommerce merchant integrations and checkout installment offerings, but with a differentiated payroll-based underwriting model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
WeGetFinancing social profiles
Digital presenceWeGetFinancing financial estimates
Financial estimateRevenue estimate
Valuation estimate
WeGetFinancing leadership team
Management profileNumber of profiles
Profiles1 record
WeGetFinancing funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
WeGetFinancing M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about WeGetFinancing
What does WeGetFinancing do?
WeGetFinancing operates a cloud-based, multi-lender Buy Now Pay Later (BNPL) gateway that connects merchants with multiple lending partners in a single checkout application. The gateway offers instant financing approvals for amounts ranging from $200 to $15,000 with terms up to 60 months, available to ecommerce merchants, brick-and-mortar retailers (via POS integration through Sensepass), and consumers. Merchants integrate through native ecommerce plugins (Shopify, WooCommerce, BigCommerce, Adobe Commerce), an Application API, a PPE monthly payment widget, or a Link integration method.
Is WeGetFinancing a public or private company?
WeGetFinancing is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was WeGetFinancing founded?
WeGetFinancing was founded in 2003. It employs 1 to 10 people.
Where is WeGetFinancing based?
WeGetFinancing is headquartered in Long Branch, United States, in the North America region.
How does WeGetFinancing make money?
One revenue line is on record: transaction Fees.
Who are WeGetFinancing's main competitors?
Direct peers on record are Splitit, Affirm, Klarna, Sezzle and Zip (Block, Inc.). Broad incumbents are Bread Financial, PayPal (Pay Later) and Synchrony Financial. Emerging players are ChargeAfter and Perpay.
Does WeGetFinancing have an API?
Yes. Application API available for custom integrations with custom shopping cart solutions, enabling merchants to perform a custom integration with their existing ecommerce platforms. Developer documentation is at wiki.dev.wegetfinancing.com.
What industry is WeGetFinancing in?
WeGetFinancing's product category is Buy Now Pay Later (BNPL) Consumer Financing Platform. Its primary akta.pro industry code is FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing), with a secondary code of BPAMAFAG, Buy Now, Pay Later (BNPL) Platforms. Its NAICS code is 52231 and its SIC code is 6163.