MaxDecisions Successfully Completes Credit Bureau Reporting for Major Buy Now Pay Later Client

MaxDecisions, an analytics and credit risk management firm, announced winning a Metro2 credit bureau reporting contract for a prominent U.S. Buy Now Pay Later (BNPL) financing company.

BNPL services have transformed consumer shopping by enabling point-of-sale financing through streamlined checkout, extending credit to consumers who may not qualify for traditional credit cards -- but credit bureau classification of these products remains an evolving challenge, as some providers resist labeling interest-free offerings as loans.

MaxDecisions converts BNPL data into CDIA’s Metro2 format for reporting to Experian, Equifax, and TransUnion, holding CDIA certification for Metro2 reporting and dispute handling. Founded in 2016, the company now serves over 100 clients across banking, specialty financing, and fintech.