A Smarter Way to Accept Credit Payments
Enable customers to access flexible credit options right at checkout—online or in-store. Seamlessly integrated, secure, and optimized for conversion.
Enable customers to access flexible credit options right at checkout—online or in-store. Seamlessly integrated, secure, and optimized for conversion.
What Is the Credit Payment Gateway?
A modern gateway that lets merchants accept credit-backed payments from customers—powered by Peerpay's real-time credit assessment and mandate system. It bridges credit approval, payment processing, and repayment tracking in one seamless flow.
Customer
Merchant Checkout
Peerpay Gateway
Credit Decision
Payment Complete
Repayment Tracked
What Makes Our Gateway Powerful
Discover the intelligent tools behind our Credit Payment Gateway that simplify transactions, empower customers with credit, and ensure secure, real-time processing—tailored for modern businesses and financial partners.
Real-Time Credit Scoring
Instantly assess creditworthiness at the point of sale with advanced algorithms.
Seamless Integration
Easily connect to your checkout—no heavy technical lift required.
Upfront Settlement
Get paid instantly; Peerpay handles repayment and recovery for you.
Multi-Channel Support
Works for online, mobile, and in-store transactions seamlessly.
Secure Mandate
Every transaction backed by a verified repayment mandate system.
Advanced Analytics
Track performance, conversion rates, and customer insights in real-time.
Seamless Credit-Backed Payment Flow
See how our system processes each transaction—from customer checkout to instant credit approval and repayment monitoring—all while ensuring compliance, trust, and minimal merchant risk.
Customer selects credit option
At checkout, customer chooses flexible payment terms
Instant credit & risk check
Peerpay runs real-time assessment in under 2 seconds
Payment approved & completed
Transaction is processed and merchant gets paid instantly
Automated repayment tracking
Customer repays in installments; Peerpay handles everything
Perfect For Every Business
See how different industries benefit from credit payments
E-commerce Platforms
Transform your online store into a conversion powerhouse by offering flexible payment options that remove price barriers. Enable customers to purchase high-ticket items like electronics, furniture, or fashion with manageable installments.
Retail Chains
Revolutionize your in-store experience by offering instant credit decisions at the point of sale. Perfect for electronics stores, furniture retailers, appliance dealers, and fashion outlets where customers often need financing options.
EdTech Companies
Make quality education accessible to everyone by removing financial barriers to learning. Enable students to enroll in courses, bootcamps, certification programs, and degree courses with flexible payment plans. Particularly valuable for professional development courses, coding bootcamps, language learning programs, and skill-based training.
Healthcare Services
Ensure patients never delay necessary medical care due to financial constraints. Enable flexible payment options for dental procedures, elective surgeries, specialist consultations, diagnostic tests, and wellness programs. Particularly beneficial for procedures not fully covered by insurance, cosmetic treatments, fertility treatments, and preventive care.
B2B Sellers
Empower your business customers with trade credit solutions that improve their cash flow while securing your sales. Perfect for wholesale distributors, equipment suppliers, software vendors, and service providers selling to SMEs. Enable businesses to purchase inventory, equipment, or services with extended payment terms.
Appliances & Equipment Dealers
Your data is safeguarded using advanced, industry-leading security protocols, including end-to-end encryption and strict compliance with financial regulations. We prioritize your privacy and protection—ensuring that every transaction and personal detail is handled with the highest level of trust and security, just like your bank would.
Built for Developers
Easily integrate with our clean APIs, SDKs, and detailed docs. Peerpay Network gives your dev team the tools to launch fast, scale easily, and stay secure.
RESTful APIs & SDKs
Clean, well-documented APIs with SDKs for popular programming languages
Sandbox Environment
Test integrations safely with our full-featured sandbox
Comprehensive Documentation
Step-by-step guides, code examples, and API references