Spot credit… for spot purchases

PoS Lending from Modefin


An innovative application that complements Modefin’s Merchant Acquiring and Payment solution. Enables the customer to request for micro credit at the checkout counter and get spot approval based on pre-set limits and credit score. Customer benefits from “buy now, pay later” facility, while the merchant is at zero risk having received spot payment.


value proposition Why PoS Lending from Modefin

POS Lending

Increases the scope for credit eligibility for the lower income segment.

Merchant Solution POS App

Lending can be initiated from the Merchant Solution POS App and functionally linked to the customer’s Mobile Banking app.

PoS lending solution

Customer may also download App and register for ‘Buy Now Pay Later’ Credit Service using Web/Mobile Application.

POS Lending

Using Maker & Checker Process, Bank staff approves the Application or Credit.

PoS Lending Solution

Based on Credit Score, Customer Account is activated with Limits.

Merchant App

Transaction continues in real time on Merchant App and purchase is marked as completed using the current Credit / Loan applied for.


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Success Stories


Universal Merchant Bank Ghana

Universal Merchant Bank (UMB) is a leading indigenous bank in Ghana which offers a diverse range of financial services to meet the banking needs of its customers.


Equity Bank Kenya

Equity Bank Fuels massive Transformation; migrates 3.5 mn SIM application Tool kit users and brings flexibility, stability and cost savings.

Featured Blog Posts


App covers multiple platforms and communication channels to enhance customer satisfaction and

Doorstep Banking

Doorstep Banking

Digitally-savvy retailers have for long worked on strategies that fluidly combine a

Keyboard Banking

Keyboard Banking

Don’t find customers for your product, find products for your customers! –

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© 2021 Modefin. All rights reserved

© 2021 Modefin. All rights reserved