RailRail
Products
Working Capital
Term loans, revenue-based financing, and lines of credit.
Pay Over Time
Split invoices, purchases, and payroll into installments
Card
White-labeled credit, rewards, and spend management
TechnologyAPI Docs
Pay Over Time

Flexible payments that increase your revenue

Give your customers flexible payment options inside your platform. Earn revenue on every transaction, strengthen retention, and keep every interaction under your brand.

Invoice #INV-2847·$12,400.00
Split this into payments
3 payments
biweekly · $0 fee
$12,400 total
6 payments
monthly · $248 fee
$12,648 total
12 payments
monthly · $744 fee
$13,144 total
Pay over time →

The full installment program, under your brand

Rail runs the capital, credit decisions, and back office. Your platform owns the customer relationship and earns on every transaction.

Platform earningsThis month
$32,940+22.1%
Transactions
1,284 paid
Volume
$2.4M
Alder Supply Co.
Split · 6 payments · Nov 14
+$86
Your share
Powered byRail
Revenue share on every transaction
Earn a share of the fee every time a customer uses Pay Over Time. No capital at risk, no lending license required, minimal operational lift.
✦Checkout lift
Powered byRail
+34%
Avg. order value when customers split payments
Card only
$2,140
+ Pay Over Time
$2,870
Flexible payment options that lift conversion
Customers complete larger purchases and invoices when they can choose how to pay. Approvals go up, average order value goes up, abandonment goes down.
Program
Run by Rail
Live
  • OriginationActive
  • UnderwritingAuto
  • Servicing24/7
  • CollectionsManaged
We run the program end to end
Origination, underwriting, compliance, servicing, and collections, handled by Rail so your team stays focused on product.
Products

A payment option for every kind of customer

01

Net terms

Let customers defer an invoice payment for 15 to 75 days, with a transparent fee on each transaction.

Structure
Deferred payment
Repayment
Single payment, up to 75 days
Best for
Short-term cash flow
Learn more
02

Installments

Split an invoice into weekly, bi-weekly, or monthly payments across a fixed term the customer chooses.

Structure
Fixed installments
Repayment
Weekly, bi-weekly, or monthly
Best for
Spreading larger payments
Learn more
03

Financing

A credit line customers can draw from to finance specific invoices and working capital needs, up to $5M.

Structure
Revolving credit
Repayment
Flexible draws and paybacks
Best for
Larger or recurring capital needs
Learn more

Your first 30 days with Rail

A step-by-step path from initial setup to live customer payments and first revenue in just 30 days.

Week 1
Weeks 2–3
Week 4
Week 1

Get connected

  • Define your customer flow
  • Choose your payment products
  • Set your brand guidelines
Weeks 2–3

Get configured

  • Customize terms and offers
  • Integrate embedded components
  • Test the full flow
Week 4

Get paid

  • Launch to customers
  • First transactions complete
  • Revenue share hits your account
Build out a complete product suite

One stack, many products

Working Capital

Fast, flexible capital under your brand

Provide access to working capital for your customers, fully embedded in your platform.

Card

Credit, rewards, and spend management

Turn everyday customer spend into revenue and loyalty for your platform.

See how embedded financing can support your customers