Offer Instant Credit,
Build Smarter Commerce
Empower your customers with seamless access to credit at checkout — backed by real-time risk insights, automated approvals, and transparent repayment tracking.
Empower your customers with seamless access to credit at checkout — backed by real-time risk insights, automated approvals, and transparent repayment tracking.
What is Merchant to Customer Credit?
Empower Customers with Flexible Payment Options
With Merchant to Customer Credit, your business can provide customers with immediate access to flexible credit options right at the point of purchase — whether online or in-store — enabling them to complete their transactions seamlessly even when they don't have immediate funds available, while you still receive full payment upfront without any delay.
Merchant Benefits:
Increase conversion and average order value.
Buy now, pay later with confidence and no hidden fees.
Give customers flexibility without losing revenue.
Designed for Smarter Credit Experiences
Explore the tools that enable merchants to give customers fast, flexible payment options — right when they need it.
Instant Credit Assessment
Perform automated credit checks seamlessly at the point of purchase, enabling faster, data-driven approval decisions.
Learn more about credit assessment
Flexible Repayment Options
Give customers the freedom to repay on their terms with flexible schedules tailored to their income and spending habits.
Learn more about flexible repayments
Smart Repayment Tracking
Streamline repayments with real-time insights and smart alerts for merchants and customers on their credit schedules.
How our repayment tracking enhances credit performance
Real-Time Risk Scoring
Instantly evaluate a customer's creditworthiness using real-time data and AI-driven insights, streamlining your decision-making process.
Learn more about real-time risk scoring
Transparent Mandate Setup
Easily set up and manage payment mandates with full visibility for both merchants and customers.
Learn more about seamless mandate setup
Automated Credit Decisioning
Peerpay Network instantly analyzes customer data to deliver fast, accurate, and unbiased credit approvals at checkout.
Learn more about seamless mandate setup
Effortless Credit, Seamless Checkout
Discover how Peerpay Network helps you offer instant credit to your customers while ensuring fast payments and zero risk for your business.
Enable Credit at Checkout
Empower your customers with the freedom to buy now and pay later, without friction. Seamlessly integrate flexible credit options directly into your checkout process—whether in-store, online, or across both channels. This not only enhances the shopping experience but also drives higher satisfaction, loyalty, and sales conversions.
Instant Credit
Activation
As soon as a customer initiates a purchase, Peerpay Network instantly springs into action—automatically conducting real-time credit scoring based on verified data and risk insights. Once eligibility is confirmed, the credit process is seamlessly activated, ensuring a smooth and secure transaction for both the customer and the merchant, with no delays or manual intervention required.
Review Your
Payment Terms
Before you commit, Peerpay shows you a clear breakdown of your repayment terms—including amounts, schedules, and permissions. You'll know exactly what's being authorized, ensuring full transparency and peace of mind before activation.
Empowering All Types of Merchants
We support credit access across diverse industries—enabling growth, increased sales, and stronger customer relationships.
Retail & Fashion Stores
Give your customers the freedom to shop without financial pressure. From clothing boutiques to multi-brand outlets, enable "buy now, pay later" options that boost conversion and customer loyalty.
Furniture & Homeware
Make home improvements more accessible. Whether it's a new sofa or home décor, let shoppers break large payments into manageable chunks—helping you move inventory faster.
Health, Beauty & Wellness
Let clients invest in their self-care without immediate costs. Whether it’s skincare, wellness products, or salon treatments, flexible payment boosts retention and satisfaction.
Supermarkets & Grocery Chains
Support everyday spending by offering instant credit at checkout for household essentials. Empower customers to shop more with less worry.
Appliances & Equipment Dealers
Selling power tools, machinery, or kitchen appliances? Enable bulk purchases through instant credit while securing your revenue at the point of sale.
Professional Services
Let service providers offer their clients pay-later options for jobs and repairs. Peerpay handles the risk while you secure more clients with flexible billing.
Food Vendors & Caterers
Enable clients to book events or order large food packages with credit options. Serve more customers without waiting for full payment.
Pharmacies & Health Clinics
Make healthcare and medications more affordable. Let patients pay over time for critical prescriptions or treatments while you receive payment immediately.