BNPL and POS lending
Installments in minutes at checkout
A fast check with no staff involvement, and manual review only for disputed applications.
Situation
A customer applies for installments at the checkout or in an online store and is not willing to wait. The check has to finish while they are at the counter, and there is no staff member nearby to review documents.
How it works
- 01The installment service creates a check and shows the customer a QR code with a link
- 02The customer uploads their bureau report and completes KYC from their phone
- 03All checks run automatically, and the result arrives by webhook
- 04Clean applications are approved at once, and disputed ones go to the queue with high priority
Result
Most applications are decided without a person, and the manual review queue receives only what really needs attention.
Features used
Borrower portal under your brandGrowth, Bank Pro and Enterprise plans. In Starter, the portal uses A3.VeriCore branding.
KYC with a liveness checkGrowth, Bank Pro and Enterprise plans. The KYC provider’s cost is passed through with a markup from 15 to 30%.
REST API and webhooksAll plans. The sandbox has the test API only, and the IP allowlist is in Bank Pro and Enterprise.
Other use cases
Financing under Islamic banking principlesA borrower builds their own reportA loan to a citizen of a neighboring country
All use cases 
Shall we run a check on your report?
Send an anonymized sample report from the country you need: we will break it down in a demo and show the flags, the summary and the connection to your system.