Credit, right at the checkout.
Let merchants offer instant financing at the till. We onboard the seller, decide in seconds, settle the merchant, and collect from the borrower.
- Instant decisioning at point of sale
- Merchant settles same-day; borrower repays over time
- Works in-store and at online checkout
- Configurable merchant rev-share / discount fee
What lenders in this space tell us.
Speed is non-negotiable
If approval takes longer than the customer's patience, the sale evaporates. Decisions must be in seconds.
Merchants need onboarding too
Each seller is a counterparty. KYB, settlement accounts, and discount fees — all need to be set up cleanly.
Two payment flows
Merchant gets paid immediately; borrower repays over time. Two ledgers, both need to match.
Everything you need to run this product line.
Checkout-embedded approval
Show borrowers a 'Pay in instalments' option at checkout; approval happens in seconds via rule-based scoring.
Merchant onboarding
KYB workflow for sellers: business docs, beneficial owners, settlement account, and signed terms.
Same-day merchant payout
Approved transaction releases funds to the merchant on the same business day, net of discount fee.
Borrower repayment schedule
Auto-build the borrower's instalment schedule (e.g. 3, 6, or 12 months) at point of approval.
Fraud + identity checks
Real-time identity verification and fraud signals at checkout, before approval is granted.
Settlement reconciliation
Merchant payouts and borrower repayments live on separate ledgers that reconcile automatically.
Bring credit to your merchants' till.
Onboard sellers, plug the checkout widget into their store, and start writing point-of-sale credit today.