The Ownly by RBS Risk Spectrum is a configurable commerce architecture enabling businesses to operate across five installment payment and risk models from a single platform.
The lowest-risk model. Customers pay in full or in staged deposits before receiving goods. Zero collections risk for the merchant because fulfillment only occurs after all payments clear. Ideal for furniture stores, agricultural share programs, and pre-order operators.
Accept deposits and payment commitments before a product or service is ready. Revenue is locked in before production or harvest. Common applications include beef share programs, custom manufacturing orders, and pre-season service agreements.
Convert large service quotes into structured installment billing tied to digital service agreements. Service businesses close larger contracts by spreading costs over monthly invoices. Suitable for commercial cleaning, HVAC, landscaping, and recurring-service operators.
Merchant-controlled in-house BNPL — sell products now and collect payments over a defined installment schedule without a third-party finance partner. Merchants retain customer relationships, set their own terms, and avoid Affirm or Klarna fees.
The highest-flexibility model — no credit check required, merchant retains title until final payment, and per-transaction revenue is highest across all five tiers. Ideal for furniture, appliance, and electronics rent-to-own operators.