Synchrony - Digital Technology Innovator in Retail Financing.

Products and Innovation

As a company that’s provided the most comprehensive set of financial industry products and innovations for nearly 90 years, we know to never settle for “good enough.” That’s why we’re always focused on offering solutions that satisfy your customers and keep your business moving forward.

Our digitally-enabled suite of products, services and solutions makes offering your customers the right products at the right time faster, easier and more effective.

Together, we can continue leading the way with innovative tools and resources that drive results.

Payments and Loyalty Products


  • Private Label Credit Card Programs

    Simple and effective. Our private label credit card programs build awareness, boost customer buying power and drive repeat purchases.

  • Engage Loyalty Platform

    Loyalty has its rewards. Create customized programs with offers, rewards and more to drive business and deepen customer engagement.

  • SetPay and Pay in 4 BNPL Solutions

    Consumers expect choice. They can buy what they want today and pay in four interest-free payments over six weeks, or they can choose a longer-term payment option ranging from 3 to 84 months. It’s perfect for those who want set, equal payments with no long-term commitments once the loan is paid off.

Capabilities and Integrations


  • Contactless Pay

    Tap and go. Ask us about the latest technology allowing for a fast, secure, contactless experience at the point of sale.

  • dApply

    D, as in digital. Our online credit application integrates into a partner’s existing website, giving shoppers a quick and easy way to apply for credit as they shop. dApply features prefill technology to speed up the application process and lets shoppers access credit immediately upon approval.

  • Skipify

    Seamless checkout. Through a strategic investment and partnership, Synchrony is helping Skipify build out a payments platform that brings one tap, frictionless checkout to emails, ads, websites and even texts. Welcome to the transformation of digital commerce.

  • Clover

    Point-of-sale options. We innovate in many ways, including through strategic partnerships. Synchrony’s full suite of digital payment and financing options are now accessible via the popular Clover point-of-sale platform for merchants. The availability of Synchrony’s products and capabilities the Clover App Market will help small businesses to quickly and easily access payment and financing options and provide their consumers with a more seamless customer experience.

  • SyPI

    Mobile, simplified. Our Synchrony Plug-in is the industry-leading, patented solution that seamlessly integrates our credit capabilities into a partner’s existing mobile apps. Customers can apply for credit, manage their account and access rewards all within our partner’s branded, native app.

  • Voice

    “Hey, Alexa.” “Hey Google.” Soon customers can ask Alexa or their Google Home assistant for all kinds of information about their credit card accounts with Synchrony partners. Balances, available credit, due dates.  

Expertise and Resources


  • Synchrony for Small Business

    Connect now. With curated resources filled with tips and best practices on running, leading and growing your business, here’s where you can strengthen every facet of your business.

  • Sydney

    Synchrony’s own chatbot is one smart digital assistant. Sydney handles routine customer requests, providing all kinds of assistance and information about customer accounts. Sydney learns every day, and every year her skillset expands in new ways that help simplify the process for our customers.

  • Synchrony Payment Calculator

    Break it down. Give customers instant understanding of financing promotions and their schedule of monthly payments. Sales associates and consumers have everything they need for closing a sale or making a buying decision; in person and online.

Innovation Stations

Synchrony’s global Innovation Stations include cross-functional teams focused on digital, data analytics and enterprise operations with a mission to explore new technologies, solve problems and improve speed-to-market. These Innovation Stations have developed a culture around innovation that’s palpable, allowing agile teams to fully immerse themselves in each project with an emphasis on speed and collaboration.

  • Stamford, CT
    Leading development of mobile payments, wallets, user designs, and banking
  • Chicago, IL
    Expanding our analytics capabilities, delivering actionable insights
  • Hyderabad, India
    Building next-generation customer servicing capabilities for Enterprise Operations