Why businesses choose our service
Merchant-to-Customer Credit allows businesses to offer flexible payment options while PeerPay manages the full credit lifecycle, authorization, repayment, and recovery.
Grow Sales Without Friction
PeerPay offer flexible payment options that help customers complete purchases confidently.
Automated Credit Flow
PeerPay manages the entire credit lifecycle behind the scenes — from authorization to repayment and recovery.
Built-In Risk Control
Every credit transaction is structured, monitored, and enforceable. Businesses avoid blind credit risk and stay in control at all times.
Why merchant credit fails
When customers take goods before completing payment, some don't return to pay. Following up manually becomes stressful and hard to manage as the business grows, and when customers change bank accounts, recovery often stops completely. Although offering credit can increase sales, it also brings added risk and turns merchants into debt collectors. Relying on trust alone to manage credit simply doesn't work at scale.
How PeerPay makes credit easier
PeerPay removes the stress from offering credit by handling repayment automatically. Instead of relying on reminders and follow-ups, every credit transaction is backed by a clear agreement and a system that enforces repayment.
Merchants can focus on selling and serving customers, while PeerPay takes care of collections and recovery in the background.
How it Works
From agreement to repayment, PeerPay handles everything in the background
Merchant and customer agree
The merchant and customer first agree on the product, price, and repayment terms. Nothing starts until both sides are clear.
Customer submits a request
The merchant asks the customer to enter the credit request on the PeerPay app using their regular bank. The customer completes the request and submits it.
PeerPay verifies the credit
PeerPay reviews the request and confirms the credit advisory note. Both the customer and the merchant are informed.
Merchant approves or declines
The merchant receives the request and decides whether to approve or reject it.
Repayment runs automatically
Once approved, PeerPay handles repayment automatically according to the agreed terms, so the merchant doesn’t need to chase anyone.
Recovery if payment is delayed
If the customer delays or defers payment, PeerPay steps in and starts recovery, protecting the merchant from loss.
Sell more. Chase less.
Let PeerPay handle credit enforcement while you focus on growth.