Ownly by RBS — Installment Payment Infrastructure

The installment payment infrastructure built by Redemption Business Solutions — manage agreements, automate collections, track delinquency, and retain full customer ownership across every installment model.

Why Ownly

Traditional BNPL providers like Affirm and Klarna take a percentage of every sale and own the customer relationship. Ownly inverts that model: merchants keep the margin, own the customer data, and control every aspect of the payment lifecycle — from agreement creation to final payoff.

Core Capabilities

• Agreement Management — Create, track, and enforce installment agreements for any product or service
• Automated Collections — Scheduled reminders, escalation sequences, and delinquency workflows that run automatically
• Delinquency Tracking — Real-time visibility into past-due accounts, aging buckets, and recovery status
• Inventory Management — Track products, assets, and inventory tied to active agreements
• CRM & Pipeline — Six-stage guided sales pipeline with customer account management
• AI Risk Scoring — OwnlyAI evaluates payment risk and flags high-priority accounts before they become problems

Platform Modules

• OwnlyCore — Admin & operations backbone (included with every plan)
• OwnlyConnect — CRM, sales pipeline & payment activation
• OwnlyPulse — Installment billing, collections & risk management
• OwnlyFlow — Inventory, assets & fulfillment

Installment Commerce Models Supported

Ownly supports all five tiers of the Ownly Risk Spectrum:

• Reserve & Pay Layaway (Tier 1) — zero credit risk
• Deferred Fulfillment (Tier 2) — pre-sold goods and services
• B2B Invoicing (Tier 3) — structured service billing
• Structured Installment Commerce (Tier 4) — merchant-controlled BNPL
• Lease Purchase & Rent-to-Own (Tier 5) — highest-revenue installment model

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