Structured Installment Commerce — Tier 4 Installment Model | Ownly by RBS
Structured Installment Commerce is merchant-controlled in-house BNPL — sell products now and collect payments over a defined installment schedule without a third-party finance partner.
How It Works
Customer purchases a product and takes immediate delivery
Merchant creates an installment agreement with custom payment terms
Ownly manages the payment schedule, reminders, and collections
Merchant retains the customer relationship throughout the entire financing period
Why Merchants Choose Ownly Over Third-Party BNPL
No percentage-of-sale fees to Affirm, Klarna, or other providers
Full ownership of the customer relationship and data
Custom payment terms tailored to your product mix and customer base
OwnlyAI risk scoring to evaluate customers before extending credit
What Ownly Manages
Agreement creation with configurable payment terms
Payment schedule management — weekly, bi-weekly, or monthly
Automated SMS and email reminders before and after due dates
Delinquency tracking and collections escalation workflows
Portfolio-level reporting on payment performance and risk