Ownly by RBS — Installment Payment Infrastructure

Ownly by RBS helps small businesses organize customer accounts, agreements, payment schedules, inventory, and follow-up. Your business sets its terms and makes decisions about each account.

Why Ownly

If you are comparing third-party payment options with an in-house process, consider who explains the agreement, keeps the account history, and handles follow-up. Ownly helps your team organize its own records and next steps; your business remains responsible for setting terms and handling the customer relationship.

Core Capabilities

• Agreement Management — Create, track, and enforce installment agreements for any product or service
• Payment Follow-Up — Keep payment activity and follow-up work visible to your team
• Account Status — Review balances, payment history, and account information
• Inventory Management — Track products, assets, and inventory tied to active agreements
• CRM & Pipeline — Six-stage guided sales pipeline with customer account management
• Owner-Controlled Decisions — Your operator reviews account information and decides what action to take

Platform Modules

• OwnlyCore — Admin & operations backbone (included with Starter)
• OwnlyConnect — Customer records, CRM & sales pipeline (included with Starter)
• OwnlyPulse — Installment billing, collections & risk management
• OwnlyFlow — Inventory, assets & fulfillment

Installment Commerce Models Supported

The Ownly Risk Spectrum describes five ways businesses may organize sales and payment arrangements. Available workflows depend on your plan and setup:

Model numbers identify workflows, not a fixed ranking of risk. Exposure depends on each deal and its terms.

• Reserve & Pay Layaway (Tier 1) — customer pays before fulfillment
• Deferred Fulfillment (Tier 2) — record deposits, handoff milestones, and any balance that remains due
• B2B Invoicing (Tier 3) — structured service billing
• Structured Installment Commerce (Tier 4) — merchant-controlled BNPL
• Lease Purchase & Rent-to-Own (Tier 5) — longer-term agreements with terms defined by the business

Request a Full Demo • View Pricing