Credova is a point-of-sale financing platform providing buy now, pay later solutions to merchants operating both brick and mortar retail locations as well as through an integrated API eCommerce solution. Through the Credova platform and integrated API solution, consumers gain access to a network of financing solutions for their purchases, allowing them to select from a variety of financing options during the purchase process. With a frictionless checkout being the ultimate goal for merchants and consumers alike, Credova is able to remove purchase boundaries by reducing dissonance surrounding cart totals and cost. Implementing a buy now pay later solution has seen merchants across verticals experience a lift in average order value and sales volume. With Credova, merchants are able to get the sales volume they want, by providing customers with the point-of-sale financing options they need.