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 same business day. Add Credably to your checkout in a few clicks.

Apply to be a merchant See the dashboard

We carry the credit risk

Live in 1-2 business days

Settled Immediately, every business day

Merchant dashboard showing a +34% conversion lift in the first month

Onboarding

From application to first transaction: 1-2 business day.

Day 0

Apply

Five-minute form. We verify your business registration and bank account. Approved within 24 hours.

Day 1-2

Go live

Flip the switch in your dashboard. Customers can use pay-in-installments option at in-person or online checkout. You keep delivering.

Same business day

Settlement

We settle the full transaction value to your bank the same business day. You get paid upfront and we take the risk.

A day on Credably

Operate it yourself, end to end.

Everything below runs from your merchant dashboard. No tickets, no email chains. We hand you the keys and offer support when you need us.

See how today is going — orders, active loans, today's settlement, and risk — at a glance.

merchant.credably.ng / dashboard

SJ Phones

Abuja · Active merchant

Live

Total orders

BNPL transactions

Active loans

Ongoing plans

Total settled

₦8.42M

Paid to you

Repayment rate

94%

Risk metric

Completed loans

₦5.20M

Paid

Defaulted loans

₦60k

Pending settlement

₦340k

Processing

Total sales

Last 3 months

JunJulAug

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.

3.5%per transaction

Up to ₦500k monthly BNPL volume
Drop-in JS widget
Email support
Manual settlement

Apply to Starter

Growth

Enterprise

High volume, custom contracts.

Customtalk to us

Unlimited BNPL volume
Dedicated risk analyst
Co-signed settlement terms
Bespoke integration support
Bank/MFB partnership tiers

Contact sales

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

Every data point granted in one tap. Revocable in the same tap.

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.

Instant Settlement. 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.

Yes, NDPC-certified and actively engaged with relevant regulators

It is a short-term credit product, not money in your account. We pay the merchant in full for your purchase, and you pay us back in fixed installments over the period you choose. There are no surprises.

We use your BVN only to confirm you are who you say you are. We do not see your bank balance or move money from your account using it. BVN verification is required by Nigerian regulators and helps prevent fraud.

Not yet. Today you can apply and manage your installments from our customer web app at https://customer.credably.ng. An Android and iOS app is on our roadmap.

Most applications get a decision in under 5 minutes. A decision is either approved or declined based on your eligibility for the product.

Use the Contact page and pick “General question”. Most messages get a reply within one business day. For an existing order, you can also reach out to us via phone call or live chat directly through the customer app.

We absorb the credit risk on every transaction. After our internal collections cycle, unrecovered balances may be handed to an authorised debt-recovery partner in line with CBN guidelines. Merchants are not pursued for customer default.

Yes. We ship a Shopify app, a WooCommerce plugin, and a JavaScript SDK plus REST API for custom stores. Integration typically takes a developer under an hour.

Yes. Per product or per checkout you can configure the plans you offer (3, 6, or 12 months) and the minimum cart size that qualifies for installments.

Ready to offer BNPL?

Apply to be a Credably merchant. We'll get back to you within one business day.

I’m a customer I’m a merchant

Offer pay-in-installments.Get paid upfront.