Increase conversion for your business

Expand your payment options to include CredPal Pay. This way, your customers no longer abandon cart. You get full payment at the point of sale, while customers pay us later. It's a win-win for all.

The CredPal Pay advantage

Our buy now, pay later services gives you the platform to seamlessly receive payments, acquire more customers and increase sales.


Active shoppers

Expand your reach with CredPal Pay to active shoppers looking for the best deals and new products to buy.


Increased sales

With CredPal Pay customers transacting daily from their favourite merchants, you're sure to get a significant boost in revenue.


Full payment

Whether it's online or offline shopping, you're guaranteed full payment on all CredPal buy now pay later purchases.


Business credit

As a CredPal merchant, you are qualified for a business credit up to 1 million Naira to increase the cash flow of your business.

CredPal Pay trending merchants

iMate Stores

Download the CredPal App to shop from this merchant

Our merchant's reaction to CredPal Pay

Here is a video that perfectly captures how our merchants feel about accepting CredPal Pay.

How CredPal Pay works online and in-store

How CredPal Pay works Online

Easily get your customers to shop from you and spread payment over 6 months online.

  • Checkout plugin for e-commerce stores
    • Integrate our checkout plugin on your website.
    • Customers use CredPal Pay to check out their order.
  • Payment link for social media stores
    • Copy your unique payment link and share it across your social media platforms.
    • Customers shop from you as soon as they click on your payment link.
    • You get notified once an order is confirmed and we pay you 100% immediately.

How CredPal Pay works In-store

Let every customer that walks into your store embrace a payment option that does not limit their wants.

  • QR codes
    • We brand your store with your unique QR code and assets that help increase conversion.
    • Customers pay with the CredPal app or scan your unique QR code to pay.
    • You get notified once an order is confirmed and we pay you 100% immediately.

Easy front-end checkout integration

Use a few lines of javascript code or one of our ecommerce platform plugins.

Open Cart

More benefits with CredPal Pay

Quick onboarding

Become a CredPal merchant in less than 24 hours and enjoy a seamless merchant experience.

Business exposure

Get access to existing CredPal customers as a CredPal merchant.

Real-time dashboard

Get access to a standard merchant dashboard and keep track of all orders in your store.

Fraud detection

Detect suspicious purchases when they happen.

Increased sales

Customers with insufficient funds have more purchasing power with CredPal card.

Up to 1 million Naira business credit

We give you the capital you need to grow and build your business into a profit-making venture.

Payment cards for employees

Generate virtual CredPal cards for all your employees.

Seamless processing

All orders are approved within 24 hours.

CredPal financial services are offered by BishopGate Microfinance Bank, fully licensed and regulated by the Central bank of Nigeria. CredPal offers innovative financial solutions including investments and credit services. Our credit solution allows businesses and individuals to buy anything and pay for it in installments across online and offline Merchants by providing them with instant access to credit at the point of checkout.

Merchants Onboarding

Once a Merchant partners with CredPal to accept and use our services, CredPal will onboard the Merchant on its platform by having the Merchant register or by registering the Merchant on a dedicated platform. CredPal may list the Merchant’s business on the CredPal mobile application and/or website (“Marketplace”), such that CredPal’s users or the Merchant’s patrons are able to pay for goods and services using credit advanced by CredPal.

Equality with Merchant Sales Channels

The Merchant will ensure that there is equality between the offerings (e.g. listing price and other terms including but not limited to discounts, minimum price, warranties, return and refund policies, after-sales service, etc., regarding the sale of the same Merchant's products and services) by the Merchant on other e-commerce platform and offerings on Marketplace.

Merchant's Use of the Marketplace

The Merchant shall maintain the security of Merchant log-in credentials to the Marketplace. The Merchant is responsible for any expense, loss, or liability caused by the loss or breach of those credentials.

The Merchant shall not use the Marketplace to abuse the Services or in a manner that would be detrimental to the function of the Marketplace or to other Merchant's use of the Marketplace.

Independent Service Provider

CredPal is providing the Services on an independent service provider basis. CredPal does not endorse, have control or assume the liability for the products or services that are paid for with the Services.