PayLaterr and Experian have announced a strategic partnership aimed at enhancing fraud detection and expanding the use of alternative data to support smarter budgeting decisions.
The partnership will see PayLaterr integrate Experian’s fraud detection technology and alternative credit data solutions into its platform. The goal is to strengthen fraud prevention in real time while also providing inclusive financial tools for people often overlooked by traditional systems.
PayLaterr currently enables tens of thousands of users to pay recurring bills such as rent, car payments, and utilities through flexible instalment plans. By incorporating Experian’s tools, the company will not only be able to detect and prevent fraudulent activity but also provide customers with more responsible budgeting recommendations and streamline onboarding processes.
Experian, best known for its global credit reporting and data analytics services, will supply advanced identity verification and behavioural analytics to PayLaterr. The company’s alternative credit data covers non-traditional data points such as utility payments, rental history, and subscription behaviour, enabling a more complete view of consumer financial habits.
This collaboration is expected to improve security across PayLaterr’s services, increase financial inclusion for credit-invisible populations, and empower users with broader access to smarter budgeting tools. The integration is already underway and is scheduled to be rolled out across the PayLaterr platform by autumn 2025.
PayLaterr CEO Akeem Egbeyemi said, “Our mission at PayLaterr is to make bill payments easier and more accessible for everyone. Partnering with Experian gives us the tools to protect our platform from fraud and empower a broader customer base with smarter, more inclusive budgeting insights. This is a major step forward in our goal to help people take control of their financial lives.”
Experian VP of partnerships Shelleyanne Rein said, “We’re excited to support PayLaterr’s commitment to financial inclusion. By combining our fraud prevention and alternative data capabilities, we’re enabling safer transactions and helping more consumers manage their money with confidence.”
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