Become a CredPal Merchant

CredPal lets you split your purchases into 4 interest-free payments or up to 12 monthly payments.

Our trusted Partners

Sell anywhere, anytime.

Online

Let customers pay over time with CredPal Pay-in-4 through your online checkout.

In-store

Accept CredPal through your payment terminals or CredPal Card, giving walk-in shoppers the same flexible options as online buyers.

On the go

Send a secure CredPal payment link to your customers and receive instant payments.

Every basket for your budget

Credpal adapts to how customers shop - from essentials to big purchases , there's always a way to pay.

We handle the credit, you keep the cash.

Boost sales by 10X

You can now increase sales since price is no longer a barrier for your customers.

Instant Payment, Zero Risk

Your business gets paid instantly, while CredPal handles customer repayments and risk—no delays, no exposure.

Convert Browsers into Buyers

Easily turn window shoppers into active customers with flexible payment options.

Small payments mean bigger team

+35%

Increase in basket size

Increase sales and basket sizes with 4 interest-free payments.

+24%

Increase in conversion

Reduce cart abandonment and remove pricing as a barrier, turning browsers into buyers.

+32%

Spend per customer

CredPal shoppers have more purchasing power than regular shoppers

Easy front-end checkout integration

Use a few lines of Javascript code or one of our ecommerce platform plugin

Grow faster with CredPal

With CredPal, you turn interests into action. Offer flexible credit at checkout, increase sales and attract customers who spend more, all without taking on risk

Loading CredPal...

Frequently asked questions

Here are some our frequently asked questions

Yes, your CredPal account is secured with bank-level encryption and multi-factor authentication to protect your personal and financial information.

Your spending limit may be reviewed based on your repayment history and account activity. Contact support for more information about limit increases.

Your BVN is used to verify your identity and ensure secure account setup in compliance with banking regulations. It helps us protect your account from fraud.

Rewards points can be redeemed for discounts on purchases, cashback, or special offers from partner merchants. Check your rewards dashboard for available options.

CredPal's Buy Now Pay Later offers cashback rewards, early payment discounts, and access to exclusive deals from partner stores when you make timely payments.

You can pay your credit balance through the CredPal app using bank transfer, debit card, or automatic bank deductions. Payments can be made in installments or full.