Credit

Thanks to the scalability and flexibility of our solutions, together we design credit products suited to your business and your customers’ satisfaction across Europe.

We cover all consumer requirements:

• Loans for specific purposes, :to enable your customers to obtain financing directly in-store with a view to purchasing.
• Conventional credit,to meet all your customers’ financing needs, regardless of their plans.
• Renewable, to help your customers to have some money put by, whether or not it is linked to a card.

To stay one step ahead of the market’s requirements and developments, Monext is building up an offer for you which covers the entire credit lifecycle, from creation with related scoring, to account administration and debt recovery.
Our package can be adapted in line with each country’s legislation: impact analysis, adaptation of features in line with local characteristics, outside France it integrates connections to several Credit Bureaus, etc. 

Monext also offers a solution specifically for e-commerce, for payments in 3 or 4 instalments by bank card, which is very easy to integrate and manage.
For this offer, credit is linked only to the card, with a “user” pathway that is both simple and efficient, for you and your customers. The first instalment is made upon purchase, which may or may not include fees, and the two or three others are made on the card in the following months.
Our dedicated platform manages all payment in instalment operations by bank card: from the calculation of the payment schedule to the management of exceptional events such as an outstanding payment or an early repayment.

A Web administration interface is provided to your departments and/or your partner merchants.
Our payment page offers your customers a smooth purchasing funnel, with a simple registration form and a clear and transparent summary of costs and of the payment schedule. Simplicity is the watchword regardless of the registration method (Web, Mobile, Tablet, etc.).