For merchants
Offer pay-in-installments.
Get paid upfront.
We underwrite every customer. You ship the product — and we settle the full transaction value to your bank the next business day. Add Credably to your checkout in one line of code.
Onboarding
From application to first transaction: under seven days.
Day 0
Apply
Five-minute form. We verify your business registration and bank account. Approved within 24 hours.
Day 1–2
Integrate
Drop our JS widget on checkout, install our WooCommerce/Shopify plugin, or call our REST API directly.
Day 7
Go live
Flip the switch in your dashboard. Customers see pay-in-installments at checkout. You keep shipping.
Pricing
Three tiers. Pick the one that fits your volume.
The first 30 days are fee-free for merchants in our pilot cohort. We make our money on volume, not on lock-in.
Starter
Pilots and small storefronts.
- Up to ₦500k monthly BNPL volume
- Drop-in JS widget
- Email support
- Manual settlement
Growth
Most popularMost teams land here.
- Up to ₦10M monthly volume
- REST API + webhooks
- Priority chat support
- T+1 auto settlement
- Custom installment tenors
Enterprise
High volume, custom contracts.
- Unlimited BNPL volume
- Dedicated risk analyst
- Co-signed settlement terms
- Bespoke integration support
- Bank/MFB partnership tiers
Placeholder pricing — to be replaced with formal rate card.
Risk engine
Built on a credit engine that learns.
How we underwrite
Five behavioural signals collapse into a single decision you can see, in under a minute.
- Income regularity — not just amount
- Savings rate trends
- Expense stability
- Active debt signals
- Emergency buffer
What we never do
Permissioned data only. Nothing scraped. Nothing sold.
- Your individual transaction data with third-party marketers
- Your repayment history with other merchants
- Anything outside what you signed up for in the first tap
Built for developers
Drop in a line. Ship in a day.
A tiny SDK, a clean REST API, signed webhooks, and idempotent endpoints. You don't need a payments engineer to integrate Credably.
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Hosted page — no PCI surface on your side.
REST API
Idempotent endpoints, signed webhooks, full lifecycle.
SDKs
TypeScript, Python, PHP. Shopify and WooCommerce plugins.
Sandbox
Test mode with realistic mock banks and BVN flows.
Questions from merchants.
If we missed yours, hello@credably.ng — we read every reply.
Credably is a credit infrastructure company for Nigeria. We power consumer installment payments and merchant BNPL checkouts on the same risk engine.
T+1. The full transaction value is settled to your bank the same business day after a successful customer purchase. We carry the credit risk and the collection work.
Drop a JS script on your checkout page or call our REST API. We provide SDKs for Shopify, WooCommerce, and custom Next.js; signed webhooks keep your orders in sync.
A small percentage per transaction, based on volume tier. The first 30 days are free for merchants in our pilot cohort.
We are NDPR-aware and operating with active regulator engagement. Our regulatory registration is in progress; updates will be posted to this page.
Ready to offer BNPL?
Apply to be a Credably merchant. We'll get back to you within one business day.