Paymentology, the global issuer-processor powering digital-first banks and fintechs, is rolling out PayCredit across Asia Pacific. The advanced credit ledger unifies card issuing and credit logic on a single platform, enabling financial institutions to launch tailored credit products faster, with region-specific configuration and precise control over repayment terms.

Flexible credit is surging across Asia Pacific, but legacy infrastructure isn’t keeping pace. In Singapore, card usage is among the most advanced in the region, with 6.27 million principal cardholders in 2024 and total billings of SGD 97 billion. Its BNPL market is forecast to reach USD 1.32 billion in 2025, expanding into everyday services from transport to food delivery.

Elsewhere, in Hong Kong, credit‑card transactions rose 11.8% year‑on‑year in Q2 2025; Thailand’s card spend is set to exceed US$65 billion this year; and BNPL users in the Philippines have reached 28.4 million.

Together, these dynamics make Asia Pacific the natural launchpad for PayCredit, as issuers seek configurable, credit‑first infrastructure to meet evolving repayment behaviours.

Most legacy systems weren’t built for today’s repayment behaviours. Retrofitted from debit, they struggle to support revolving balances, instalments, and BNPL. Built for credit from the ground up, PayCredit lets teams define repayment structures, limits and billing cycles with precision, supporting faster launches and consistent performance across regions.

“People want credit that fits their lives, whether that is instalments, BNPL or cashback, and they expect clear control over how and when they repay,” said Minh Ha Truong, Head of Growth, Asia Pacific at Paymentology.

“Banks and fintechs are working to meet that demand, yet many still rely on platforms never designed for modern credit. PayCredit puts credit logic at the centre, with tools to set billing cycles, limits and repayment structures with precision. That gives teams the control to build the products customers want and launch them quickly across multiple countries.”

By unifying credit ledger management with card issuing capabilities, PayCredit simplifies the process of configuring and managing credit programmes, supporting customisable limits, interest rates, billing cycles, and repayment models, all via a single platform. It provides issuers with real-time transaction data, enhanced compliance tooling, and rapid deployment via secure APIs. Already deployed by fast-growing digital banks, PayCredit has enabled issuers to introduce credit products without building full-scale lending infrastructure.

Core capabilities Include:

• Built-in billing cycle logic for accurate interest calculation and real-time balance tracking

• End-to-end credit configuration, including custom limits, rates, and repayment structures

• Integrated card issuance with digital wallet support (Apple Pay, Google Pay, Samsung Pay)

• Flexible instalments and cashback rewards driven by real-time data

• Global scalability through a single API with local regulatory adaptation

• UAT simulation testing, enabling clients to run months of processing within minutes to validate complex scenarios to ensure smooth rollouts and quality assurance

The launch of PayCredit in APAC coincides with the 10th anniversary of the Singapore FinTech Festival (SFF), where Paymentology’s senior team, including CEO Jeff Parker, CRO Anna Porra and Head of Growth APAC Minh Ha Truong will be in attendance.

“SFF’s 10th anniversary is a timely moment to focus on what issuers in APAC need most: configurable, credit-first infrastructure that can be deployed quickly and run reliably across markets,” said Jeff Parker, CEO at Paymentology. “PayCredit gives our clients the control to launch quickly and scale responsibly.”