Instant loan products on a decisioning-ready platform
Launch credit and lending products on the same account master, risk engine and settlement rails that already run your payments, so a loan decision does not need a separate stack.
Decide fast, service on the same accounts
Lending shares its accounts, risk decisions and reconciliation with the rest of your payments.
- Open account
- Decide
- Service
- Settle
- Reconcile
What lending products can lean on
One account master
Credit products on Koṣa Issuing sit beside debit, prepaid, corporate, fleet and wallet products on a single account master.
Decision in under 10 ms
momentPay Shield combines a rules engine, machine learning, sanctions and watchlist screening into one decision.
Policy without releases
A no-code rules engine lets risk teams change approve, review and decline thresholds themselves.
Behavioural signals
Velocity analytics flag unusual patterns across a customer's activity in real time.
Settlement and matching
Repayments and settlements are matched through momentPay Reconcile and written to your accounting system.
Open APIs
Connect an origination journey or partner channel through open APIs and webhooks.
Worth knowing. Merchant lending is part of the Enterprise stage of the momentPay Acquiring roadmap. Talk to us about the scope and timing that fits your programme.
The momentPay products behind it
Other things teams build on the same platform
Tell us what you want to launch
We will map Digital loans to the products and the shortest rollout path, then scope a proof of concept.