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Merchants can recommend Singapay’s lending partners to customers seeking financing for purchases. After approval, the financing institution disburses funds directly to the merchant, enabling customers to complete purchases through installment financing. This solution is particularly suitable for high-value, infrequent purchases. Key Features
  • High financing limits
  • Real-time approval decisions
  • Installment repayment plans
  • Automatic repayment support

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Customer Journey

  1. The merchant refers the customer to a Singapay lending partner.
  2. The customer completes registration with the lending institution.
  3. The customer submits:
    • Product information
    • Personal information
      through the merchant’s website or application (via API or embedded H5 interface).
  4. After approval, the lending institution pays the merchant directly.
  5. The customer repays the financing provider according to the agreed repayment schedule.

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Typical Use Cases

  • Motorcycle financing
  • Smartphone installment purchases