For merchants
Every walkout is a lost sale. Let's fix that.
Customers want to buy. They just can't pay for everything today. XCred lets them buy on terms — and you still get paid in full, immediately.
The math is simple. The customers were always there.
Every Nigerian retailer has the same story. Customers walk in. They want a generator, a fridge, a phone, a bike. They love it. They can't pay all of it today. They walk out. The sale dies.
XCred gives them a way to walk out with what they came for — and gives you the full payment today, at zero risk. That's it. That's the product.
- Get paid in full, immediately, on every transaction
- Zero credit risk — we handle assessment, collections, and disputes
- Higher average order values when customers can spread payment
- Free integration — no setup fees, no monthly fees
- Customers we approve are pre-qualified — no awkward rejections in your store
How it works for you
From walkout to settled cash in four steps.
Apply to integrate.
Tell us about your business. We approve most merchants within 48 hours.
Train your sales team.
We come on-site (or on Zoom) to show your team how to offer XCred at checkout.
Customer applies in-store.
They scan a QR code, enter their phone, and get pre-approved within minutes.
You confirm delivery. We pay you in full.
The moment the customer accepts the item, the full amount lands in your account.
Pricing
No setup. No monthly fee.
We charge a small percentage on each completed transaction. We disclose the exact rate before you sign — and it's the same for everyone in your category. No volume games.
Become a partner.
Tell us about your business. We'll be in touch within 48 hours.