Technical modules BNPL

Customers and providers appreciate flexible payment solutions. We develop, purchase, connect and operate all modules that are necessary for the operation of a Buy Now Pay Later (BNPL) platform. Our technology has a modular structure. Existing elements of the providers can continue to be operated and reliably integrated into the new environment.

Ask us! We support you in your situation with the following functions:

Integration of customer data

Interfaces to your sales and third party partners
Appropriate conversion of existing customer data

All elements for easy customer onboarding

KYC Processing, order processing
Risk Management, multi-information system
Risk management, flexible decision-making schemes
Fraud prevention, external systems
Fraud prevention, AI system for provider-owned data
Compliance checks

Payment processing, Payment Service Providing (PSP)

PSP partners: Worldline / Payone / Saferpay / Ingenico / Ogone / Paysquare; ePay / Transact; Datatrans; InterCard / Verifone; Ounces; Concardis; Lyre
Direct debit processing, SEPA Direct Debit Processing as order processing
Direct debit processing, SEPA Direct Debit additional services for return debits, mandate management, administration of recurring payment transactions
Instant Payment Notification “Push” (iv)

Debt collection

Bilateral interfaces to various debt collection providers
Payment extraction services,
Transfer to the provider’s Fi systems

IT integration, development and operating

Integration and migration of legacy systems as required
Operation of providers’ own black and whitelists
Adaptation and operation in German / European cloud services

Benefits of creditPass

as a supplier for optimized and suitable individual queries
as a processor for integrated full platform solutions
as an operator since 2003 with an active customer base in various industries and sizes