Approve instantly. Grow responsibly.
Agility Credit powers BNPL with real credit reports & scores, identity and income verification and programmatic compliance—all embedded in your checkout flow. Launch fast, make accurate decisions and keep regulators confident.
Built for real-time BNPL workflows
BNPL needs sub-second decisions without sacrificing oversight. Agility Credit automates the full journey—soft-pull prequalification → ID & fraud checks → income/affordability → policy enforcement → notice delivery—so you approve more good customers and avoid avoidable risk.
Core capabilities
- Credit reports & attributes – Full or soft pulls with normalized tri-bureau attributes for precise, instant decisioning.
- Instant prequalification – Soft-pull screening at checkout to reduce friction and boost conversion.
- Decision engine & eligibility rules – Configure routing and approval logic (scores, geography, ticket size, product category, risk thresholds).
- Identity & fraud protection – Document match, OTP, device verification, out-of-wallet (non-credit) questions, synthetic ID detection.
- Income & cash-flow analytics – Modeled, verified, or credentialed income with cash-flow trends for ability-to-pay.
- Compliance automation – Privacy notices, risk-based pricing, Adverse Action—delivered, logged and retained automatically.
- Hosted or API – Embed natively via API or go live quickly with a branded hosted experience.
- Audit & storage – 10-year electronic retention with full event history and traceability.
Value for BNPL providers
- Higher conversion: Prequalify in real time with no score impact.
- Lower losses: Layered ID, income and device checks block synthetic and first-party fraud.
- Operational efficiency: Rules-driven automation replaces manual review bottlenecks.
- Regulatory confidence: Every disclosure and decision step is enforced and auditable.
- Scale without chaos: One platform for credit, verification and compliance across partners and markets.
Use cases
- Checkout soft-pull prequalification and instant approvals
- Tiered decisioning for ticket size, merchant category, or geography
- BNPL for marketplaces and multi-merchant networks
- Post-purchase monitoring and compliant notice workflows
- Portfolio risk analytics powered by credit + income attributes
Why BNPL teams choose Agility Credit
Because speed and responsibility can coexist. Agility Credit is your credit and compliance partner—combining real credit data, verification and policy enforcement so you can grow fast and defensibly.
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Build BNPL experiences that approve instantly and stand up to scrutiny.
