Futurepay
“Can a cardless revolving-credit product at e-commerce checkout drive higher repeat-purchase rates than BNPL, using Cross River Bank's lending infrastructure as the compliance backbone?”
FuturePay launched in mid-2022 as an e-commerce financing company offering MyTab™, a cardless digital revolving line of credit ($1,000–$5,000) embedded at merchant checkout. Unlike BNPL point-in-time installment loans, MyTab is designed for repeat use — consumers apply once and reuse the credit line indefinitely, with merchants receiving full payment within two business days. The company partnered with Cross River Bank to handle compliance, underwriting, and account management while FuturePay operates the front-end merchant integration layer. There is also a separate entity, Futurepay Global Limited, with Hong Kong MSO and US FinCEN MSB licenses, indicating a cross-border payments arm serving international markets.