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Opy USA is changing the way people pay, for the better. We believe there is a smarter way to pay for consumers, for merchants and for the industry. We are excited to introduce our purpose driven, responsible Business to Consumer (B2C) and Business to Business (B2B) payment solutions to the US market. 

Our buy now, pay later solution is based on Transparency, Flexibility, Differentiation and Merchant-Centricity. We provide the most flexible installment plans in the US market with longer payment terms, higher limits, and responsible lending to enable consumers to manage their budget in a smarter way. 

We promise a fair deal for merchants, resulting in increased sales and greater customer loyalty.  Our flexible installment plans are available across industries where we can make a real difference, particularly larger ticket Retail, Home Improvement, Healthcare and Auto Repair and Service.

Opy is the only BNPL provider with a solution designed by merchants for merchants. Our Opy Merchant Advisory Council help us shape our products to meet merchants’ and their customers’ needs and drive industry change. Promising a better deal for merchants and consumers. 

To find out more about how Opy is defining the next generation of payments visit