Build on the API Call origination, decisioning and repayment from your checkout through the API, and receive status updates back.
Go live in 7 days Start with short-term instalment products, fees and late rules that are ready to configure on day one.
Compliance handled at every step Identity checks, affordability rules and a full audit trail for every purchase and repayment.
Checkout in four steps
What the shopper sees, and what happens behind it.
Choose to pay later The shopper picks an instalment plan at checkout, and your system calls the API.
Decision in seconds Decision rules and affordability checks return approve, decline or refer while the shopper waits.
Plan created The first payment is taken and the rest are scheduled, weekly, fortnightly or monthly.
Collected on time Payment links and reminders collect each instalment, with escalation when one is missed.
An example plan
A K 1,200 purchase split into four weekly payments. An illustration, since your plans and fees are yours to set.
Instalment Due Amount Status 1 of 4 Today K 300.00 Paid at checkout 2 of 4 In 7 days K 300.00 Reminder 2 days before 3 of 4 In 14 days K 300.00 Scheduled 4 of 4 In 21 days K 300.00 Scheduled
Rules that protect your margin
The controls that keep losses low without slowing checkout.
Instant decisions Rules run in order and return a clear answer to checkout.
Exposure limits Cap what one shopper can owe at any time.
Repeat-borrower rules Treat new and returning shoppers differently.
Late fees Charges that apply automatically when an instalment is missed.
Reminders and links Nudges before and after the due date, with a payment link in each.
Early warnings Arrears ageing that shows trouble while it is still small.
Where buy now, pay later gets hard
And what we do about each.
The challenge An instant decision has to be right as well as fast.
How we help Staged decision rules combine bureau and in-house data, and you tune them as you see results.
The challenge One missed instalment can cost more than the margin.
How we help Automatic reminders, payment links and promises to pay recover small amounts before they grow.
The challenge A flaky checkout call must not charge a customer twice.
How we help Idempotency keys make every call safe to retry.
The challenge Fraud arrives with growth.
How we help Identity checks, blacklists and repeat-borrower rules sit in the same flow.
How we help you set up and start running
A clear plan from the first conversation to your first live loan, usually done within 7 days.
Day 1
Discovery We agree the instalment products, limits, fees and how checkout will call the platform.
Days 2 to 3
Configure We set up products, schedules, decisioning rules and borrower messages.
Days 4 to 5
Integrate and test Your team connects checkout and payments, and we test approve, decline, repay and miss-a-payment journeys.
Day 6
Pilot A small group of shoppers and merchants go first, so the rules can be tuned.
Day 7
Launch Open to everyone, with monitoring on approvals, arrears and collections.
What you can run on Credit Watch
A few of the lending products these lenders run with us.
Retail and e-commerce instalments Pay-in-4 style plans Education and healthcare payments Device and appliance financing
Get started with Credit Watch
See first-hand how Credit Watch can push the boundaries of your lending business. Sign up free and we will be with you every step of the way.
Get started for free Talk to our team
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