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Innovative BNPL &

Credit Programs

Scalable Credit Management System that supports diverse BNPL Schemes, Offer generation, Delinquency Reduction and Fraud Prevention

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How it Works?

Configurable realtime Decisioning Platform capable of Limit Mgmt, Contextual Offer Generation, Fraud Rules and Deliquency prevention models

Intelligent Limit Management

Dynamically manage customer exposure with precision. Enable flexible extensions based on fixed deposits (FD), Security or MF. Support Customer and Card / Credit Line On UPI Specific Limits.

Offer Management

Maximize conversions with targeted, realtime offers tailored by geolocation, product, merchant, or MCC. The engine actively validates transactions to prevent offer abuse and handles complex EMI computations on the fly

Risk & Delinquency Mitigation

Manage NTC and NTB accounts through the use of realtime machine learning models that predict impending delinquency based on transaction and behaviour patterns.

Problem Statement

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Product & Customer Limits

Enforce strict boundaries with realtime limit checks, blacklist controls for specific payers, merchants, or MCCs.

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Credit Risk Prediction

Leverage CASA data to assess risk and spot financial distress early by monitoring key metrics.

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Fraud & Abuse Prevention

Seamlessly integrate fraud risk management alongside credit decisioning. Reduce chargebacks and account takeovers.

Process in Milliseconds

The payments ecosystem moves fast. Our methodology processes transactions in milliseconds, utilizing historic and real-time profiles to make immediate authorization decisions.

Flexible API Deployment

Our decision engine integrates effortlessly into your existing architecture. Connect seamlessly via APIs to your Switch and Core to enable Real-Time Decisioning without disrupting your flow.

Proven Scalability at High Volumes

Built to handle massive transaction volumes effortlessly. Our robust infrastructure is proven to manage 5,000 transactions per second (TPS) while consistently responding within 200 milliseconds

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