Abstract: In some examples, a payment processing system may receive identity information identifying a buyer interested in purchasing an item from a first merchant. The system may determine, based on the identity information and item information, that the buyer is eligible for financing the purchase of the item. The system may generate a customized financing offer for the buyer to finance at least a portion of the purchase price of the item. For example, the customized financing offer may include financing terms and may be based on previous financing activity of the buyer with one or more merchants associated with the payment processing system, and/or previous financing activity associated with one or more buyers that have financed the item from one or more merchants. The payment processing system may transmit the customized financing offer to cause a user interface to present the customized financing offer to the buyer.

Abstract: In some examples, a payment processing system may receive identity information identifying a buyer and an indication of a buyer interest in purchasing an item from a first merchant. The system may determine, based on the identity information and item information, that the buyer is eligible for financing the purchase of the item. The system may generate a customized financing offer for the buyer to finance the purchase price of the item. For example, the customized financing offer may include financing terms and may be based on previous financing activity of the buyer with one or more merchants associated with the payment processing system, and/or previous financing activity associated with one or more buyers that have financed the item from the first merchant. The payment processing system may transmit the customized financing offer to cause a user interface to present the customized financing offer to the buyer.

Abstract: In some examples, a payment processing system may receive, from a plurality of merchant POS terminals, transaction information of transactions performed between a plurality of merchants and a plurality of buyers. Further, the system may receive, from a first buyer, a request to finance a purchase of an item at a first merchant. The system may determine, based at least in part on the transaction information, financing terms for the first buyer for purchasing the item from the first merchant, the financing terms may include an approved financed amount for making the purchase from the first merchant. The system may receive an acceptance of the terms from the buyer and may generate a payment code associated with the financing terms and the first merchant that enables the customer to finance the purchase with the first merchant, such as at a POS terminal of the first merchant.