ChargeAfter

ChargeAfter is an American financial technology company that provides software for point-of-sale financing.[1] The company operates in the United States

ChargeAfter
TypePrivate
IndustryFinancial technology
Point of sale financing
Embedded lending
Founded2017
FounderMeidad Sharon
HeadquartersNew York City, United States
Key people
Meidad Sharon (Founder & CEO)
Doron Abramovitch (CFO)
Shlomi Kringel (COO)
Gil Segev (CBO)
ProductsEmbedded lending platform
Embedded lending network
The lending hub
Number of employees
~100
Websitechargeafter.com

ChargeAfter is an American financial technology company that provides software for point-of-sale financing.[1] The company operates in the United States, Canada, and Australia.

History

ChargeAfter was founded in 2017 by Meidad Sharon, who serves as the company's CEO.[2][3] In 2018, the company won the BBVA Open Talent "Fintech for People" award.[4]

In May 2019, ChargeAfter raised $8 million in a Series A round led by Propel Venture Partners (the venture capital arm of BBVA), with participation from PICO Venture Partners, the Plug and Play accelerator, and Synchrony Financial.[2] In February 2020, Visa Inc. made an investment in ChargeAfter and announced a partnership under which Visa's network of sellers, acquirers, and issuing banks would gain access to ChargeAfter platform.[5]

In June 2020, MUFG Innovation Partners made an investment in ChargeAfter to support the platform's global expansion.[6][7] In October 2021, Lenovo launched ChargeAfter's multi-lender financing platform on its U.S. website.[3]

In March 2022, ChargeAfter raised $44 million in a Series B round led by The Phoenix, an Israeli financial services group, with participation from Citi Ventures (Citigroup), Banco Bradesco, MUFG, and existing investors.[1] The round brought the company's total disclosed funding to $60 million.[8][9]

In 2022, Raymour & Flanigan selected ChargeAfter to power its point-of-sale financing program.[10][11] In August 2023, ChargeAfter expanded its lender network by adding Wells Fargo Retail Services, a division of Wells Fargo Bank, N.A.

In February 2024, Citi Retail Services selected ChargeAfter as the technology provider for its Citi Pay product family, including Citi Pay Credit (a digital-only credit card) and Citi Pay Installment Loan.[12] In March 2024, the United States Patent and Trademark Office granted ChargeAfter a patent covering cross-service transaction facilitation technologies and dynamic transaction interfaces.[13]

In July 2024, HP Inc. selected ChargeAfter's platform to add a consumer financing program on HP.com in the United States.[14] In March 2025, Authority Brands chose ChargeAfter to launch BuyFin, its consumer financing platform.[15] In 2026, ChargeAfter was included in Forbes’ list of America’s Best Startup Employers.[16]

Overview

The embedded lending platform is ChargeAfter's main platform for merchants.[17] It provides software that connects a merchant's checkout environment to a network of pre-integrated lenders.[18][19][8]

The lending hub is a white-label platform for banks and financial institutions, publicly launched in March 2024.[20][21][22][23]

References

  1. ^ a b "BNPL Startup ChargeAfter Raises $44M Series B for Expansion". PYMNTS.com. March 15, 2022. Retrieved April 21, 2026.
  2. ^ a b Adams, John (May 14, 2019). "Investors pour $8 million into merchant credit marketplace ChargeAfter". American Banker. Retrieved April 21, 2026.
  3. ^ a b Adams, John (March 15, 2022). "'Buy now/pay later' matchmaker raises $44 million". American Banker. Retrieved April 21, 2026.
  4. ^ "Propel invests in startup ChargeAfter, winner in BBVA Open Talent 2018". BBVA. May 14, 2019. Retrieved April 21, 2026.
  5. ^ Adams, John (February 20, 2020). "Visa invests in point-of-sale lender ChargeAfter". American Banker. Retrieved April 21, 2026.
  6. ^ "Strategic Investment in ChargeAfter". MUFG Innovation Partners. June 16, 2020. Retrieved April 21, 2026.
  7. ^ "Israel's ChargeAfter Partners With MUFG To Expand Financing Platform". NoCamels. June 18, 2020. Retrieved April 21, 2026.
  8. ^ a b "Banks invest in multi-lender BNPL platform ChargeAfter". Finextra. March 15, 2022. Retrieved April 21, 2026.
  9. ^ "Fintech Startup ChargeAfter Raises $44M To Expand Buy Now, Pay Later Platform". NoCamels. March 16, 2022. Retrieved April 21, 2026.
  10. ^ Young, Vicki M. (April 10, 2023). "Raymour & Flanigan Upgrades Tech Stack With New Finance, Logistics Partners". Sourcing Journal. Retrieved April 21, 2026.
  11. ^ "Top 100 retailer makes big move to simplify consumer finance process". Furniture Today. September 22, 2022. Retrieved April 21, 2026.
  12. ^ "Citi taps ChargeAfter for POS instalment loan product". Finextra. February 6, 2024. Retrieved April 21, 2026.
  13. ^ "ChargeAfter Granted Patent for its Embedded Lending Technology". US Fintech. March 19, 2024. Retrieved April 21, 2026.
  14. ^ "Bread Financial Announces New Program with HP". Intelligent Fin.Tech. September 2, 2024. Retrieved April 21, 2026.
  15. ^ "Authority Brands partners with ChargeAfter to power BuyFin". The Paypers. March 11, 2025. Retrieved April 21, 2026.
  16. ^ Peachman, Rachel Rabkin (March 3, 2026). "Best Startup Employers". Forbes.
  17. ^ "Visa invests in POS financing platform ChargeAfter". Finextra. February 20, 2020. Retrieved April 21, 2026.
  18. ^ "ChargeAfter, Visa Partner To Expand POS Financing". PYMNTS.com. February 20, 2020. Retrieved April 21, 2026.
  19. ^ "MUFG invests in POS financing platform ChargeAfter". Finextra. June 16, 2020. Retrieved April 21, 2026.
  20. ^ "Embedded Lending Is Checkout's New Growth Engine". PYMNTS.com. March 5, 2025. Retrieved April 21, 2026.
  21. ^ "ChargeAfter - Adobe Commerce Marketplace". Adobe Commerce Marketplace. Retrieved April 21, 2026.
  22. ^ "ChargeAfter Debuts Embedded Lending Hub for Banks". PYMNTS.com. March 20, 2024. Retrieved April 21, 2026.
  23. ^ "ChargeAfter launches white label embedded POS lending platform for banks". Finextra. March 20, 2024. Retrieved April 21, 2026.

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