Canadian BNPL aggregator
Canadian BNPL aggregator for merchants and customers
Arecibo connects merchants and customers with financing options from partner lenders through a single, unified digital experience. We connect demand to licensed Canadian lenders — underwriting, funding, and repayment stay with them. Arecibo does not lend or hold funds.
- Canadian merchants and customers
- Multiple financing partners
- One unified digital experience
One platform where financing options from multiple partner lenders are presented, compared, and chosen.
Licensed lender partners
Canada-only platform
PIPEDA-aligned practices
Merchants & customers
Partnership-ready
Who is Are?
AreArecibo guide
Learn what Arecibo offers merchants, customers, and lender partners in Canada.
Ask about merchant value, the customer experience, lender partnerships, or how we handle security. High-level answers only.
What Are covers
For merchants
Offer financing from multiple lenders
Give customers more than one way to finance a purchase, and make that choice a normal part of how you sell.
Multiple lenders, one place
Present financing options from several partner lenders instead of relying on a single provider, so more customers find an option that fits.
Better conversion
Customers who can compare and choose are more likely to complete a purchase. Arecibo makes it straightforward to offer that choice without added complexity.
A simple digital experience
Onboarding, setup, and reporting happen in a straightforward web experience. No specialised equipment and no lengthy implementation project.
For customers
Compare options and choose with confidence
Arecibo brings financing options from partner lenders into one place so you can compare terms and decide what works for you.
Compare your options
See financing options available to you from Arecibo partner lenders, side by side, in one application.
Choose the right lender
Pick the option that suits your situation. The choice always stays with you — Arecibo never decides on your behalf.
Transparent terms
Review terms before you commit. Your agreement is with the lender you choose, and you repay that lender directly.
For lender partners
A distribution channel built for Canadian lenders
Arecibo partners with licensed Canadian lenders to make their financing products easier to reach. We do not replace your underwriting or decisioning — we bring you qualified demand.
Qualified financing requests
Financing requests from Canadian merchants and customers who are actively evaluating options — delivered to your products on the platform.
Straightforward integration
Your financing products are integrated into Arecibo and presented to a relevant audience. Underwriting and decisioning remain entirely with you.
Reporting and insight
Volume, merchant categories, and product performance — so you can measure what the channel contributes over time.
Platform
What Arecibo provides
Three surfaces — merchant dashboard, customer application, and shared reporting — designed to work together.
- Dashboard
Merchant dashboard
Onboard your business, manage your profile, and access reporting on financing activity — all in one web workspace.
- Application
Customer application
A mobile app where customers review available financing options from partner lenders and choose the one that fits.
- Reporting
Analytics and reporting
Aggregated reporting for merchants and lender partners — volume, categories, and outcomes in one place.
Security & compliance
Built for regulated financial partnerships
Clear responsibilities, Canadian privacy expectations, and security practices appropriate for financial partnerships.
Bank-grade encryption
Encryption in transit and at rest, with access controls and audit logging across the platform.
Canadian privacy compliance
Built to Canadian privacy expectations under PIPEDA, with platform data hosted in Canada (Toronto region).
Responsible lending
Arecibo connects — it does not underwrite, hold funds, or collect repayments. Licensed partners handle lending.
About Arecibo
A Canadian company focused on access to financing
Arecibo is based in Canada and built for the Canadian market. We work with small and medium-sized businesses that want to offer their customers a genuine choice of financing, and with the licensed lenders who provide it.
- Mission
- Make financing options easier for Canadian merchants to offer and easier for their customers to understand.
- Vision
- A market where every Canadian SMB can present a competitive set of financing options, regardless of size.
- Our role
- A technology connector between merchants, customers, and licensed lenders. We are not a lender, underwriter, or payment processor.
Partner with Arecibo
Start the conversation
We are speaking with Canadian lenders about bringing their financing products to merchants and customers on the Arecibo platform, and with merchants who want to offer their customers more choice.
Lender partners — product integration, commercial terms, and reporting.
Merchants — onboarding and access to the platform.
General enquiries — press, compliance, and everything else.