Introducing Citi Pay®
Our new flexible, digital-first point of sale financing solutions that both shoppers and retailers alike will love
Financial flexibility for consumers. Seamless payment integration for retailers.
From the start, Citi Pay has been designed with both consumers and retailers in mind.
This new family of digital-first payment solutions puts customers in control of how they want to pay for purchases.
At the same time, our retail partners enjoy the benefits of integrated and embedded payment solutions that help drive sales of greater value.
Embracing innovation.
Expanding capabilities.
As consumers’ needs evolve, we expand. Say hello to Citi Pay® Credit and Citi Pay® Installment Loan. Two new payment solutions built into our retail partners’ in-store and online checkout process for a seamless experience.
Retailers –
get in touch or stay up-to-date
In the coming months, we look forward to introducing more Citi Pay products and solutions.
For more information, call Citi Merchant Services at
For TTY: We accept 711 or other Relay Service
For press inquiries, please visit Citi Media Resources
CITI PAY IN THE NEWS
Consumers spoke, we listened
Among 1,000 representational U.S. adults ages 18+, including the U.S. territories, between March 27th and April 10th, 2023, May 3rd and May 7th, 2024. Wakefield Research (wakefieldresearch.com)
Consumers spoke, we listened
82%
of Americans think pay-over-time payment products have benefits.
49%
of Americans have used a pay-over-time payment products to make a purchase.
85%
of Americans surveyed agree that retailers need to have flexible payment options for consumers to use at checkout.
68%
of Americans surveyed said when choosing a financial company, not having flexible payment timing is a dealbreaker.
90%
of Americans surveyed agree that they'd rather use a payment product from a well-established financial company than from a new financial start-up because it gives them more peace of mind.
Among 1,000 representational U.S. adults ages 18+, including the U.S. territories, between March 27th and April 10th, 2023, May 3rd and May 7th, 2024. Wakefield Research (wakefieldresearch.com)
Empowering retailers for over 30 years
Retail – a Citi priority for over three decades
- Citi has over 30 years of experience providing seamless embedded payment products to retailers.
- We take pride in being a trusted financial partner to both retailers and consumers. As their needs evolve, so do our services.
- Citi partners with 5 of the largest 20 ecommerce businesses in the U.S.*, with an average relationship tenure of 19 years.
*Source: https://influencermarketinghub.com/ecommerce-companies-usa/
Robust and easy to scale
- Citi Pay enables retailers to benefit from API-driven platforms that are seamlessly integrated into their checkout experience and scalable with self service capabilities.
- Retailers can be up and running in as little as a few weeks.
- Retailers can select promotions that are customized to their customers’ individual preferences and purchase levels.
- Citi performs risk assessment and underwrites the customer for credit financing.
Citi Pay reflects the needs of today’s consumers
- 90% of Americans surveyed agree that retailers need to have multiple payment options for consumers to use at checkout.*
- Citi Pay Credit offers flexible payment options, including promotional financing and revolving lines of credit, along with competitive APRs.
- Citi Pay Installment Loan offers loans from 6-60 months with low APRs for predictable and equal monthly payments.
- The application process is quick and simple – customers receive a decision in a matter of seconds.
- Customer data can be prefilled to streamline the application. Returning Citi Pay customers can also perform an Account Lookup to make completing their purchase easy.
- Payment process is virtually seamless to maintain focus on the shopping experience.
- Citi Pay products offer longer duration options compared to the standard “pay in 4” model that usually spans 8 weeks.
*Source: Wakefield Research, April 2023, 1000 American Shoppers
Empowering retailers for over 30 years
Retail – a Citi priority for over three decades
- Citi has over 30 years of experience providing seamless embedded payment products to retailers.
- We take pride in being a trusted financial partner to both retailers and consumers. As their needs evolve, so do our services.
- Citi partners with 5 of the largest 20 ecommerce businesses in the U.S.*, with an average relationship tenure of 19 years.
*Source: https://influencermarketinghub.com/ecommerce-companies-usa/
Robust and easy to scale
- Citi Pay enables retailers to benefit from API-driven platforms that are seamlessly integrated into their checkout experience and scalable with self service capabilities.
- Retailers can be up and running in as little as a few weeks.
- Retailers can select promotions that are customized to their customers’ individual preferences and purchase levels.
- Citi performs risk assessment and underwrites the customer for credit financing.
Citi Pay reflects the needs of today’s consumers
- 90% of Americans surveyed agree that retailers need to have multiple payment options for consumers to use at checkout.*
- Citi Pay Credit offers flexible payment options, including promotional financing and revolving lines of credit, along with competitive APRs.
- Citi Pay Installment Loan offers loans from 6-60 months with low APRs for predictable and equal monthly payments.
- The application process is quick and simple – customers receive a decision in a matter of seconds.
- Customer data can be prefilled to streamline the application. Returning Citi Pay customers can also perform an Account Lookup to make completing their purchase easy.
- Payment process is virtually seamless to maintain focus on the shopping experience.
- Citi Pay products offer longer duration options compared to the standard “pay in 4” model that usually spans 8 weeks.
*Source: Wakefield Research, April 2023, 1000 American Shoppers