Citizens Pay

Citizens Pay is the "Buy Now, Pay Later" (BNPL) and point-of-sale financing brand of Citizens Bank, N.A. It partners directly with major merchants, such as Apple and Microsoft, to offer consumers financing options at checkout. This allows customers to purchase high-value items and pay for them through fixed-rate, transparent monthly installments via a line of credit, presenting an alternative to traditional credit cards. The service leverages the stability and history of its parent company, Citizens Bank, a major U.S. financial institution founded in 1828, to provide a seamless and trusted payment experience.