Set up KYB once, define fees and settlement calendars, and lock in refund/return rules without spreadsheets. Plug in widgets and SDKs for web, app, or POS checkout so merchants go live quickly. Product catalogs and tax rules map automatically for clean calculations. Promotions and eligibility can be tuned by merchant or vertical. Portals give merchants a clear view of orders, partial shipments, refunds, and reconciliations. Every approval, contract, and document is versioned with audit logs to help ensure compliance. Vendor portals and APIs keep adoption predictable and data flowing smoothly.

Capture consumer data at checkout, run KYC/AML, and apply device or behavior checks in seconds. Where allowed, open-banking consent enriches the picture. Bureau soft pulls calculate affordability and power risk-based pricing. Policies, limits, and offer waterfalls are encoded as policy-as-code, so every decision is auditable and explainable. Approvals include reason codes for transparency, while exceptions flow through governed overrides. All inputs, outputs, and documents are preserved for risk committees and regulators. The result for TIMVERO BNPL credit approval software: higher conversion, lower losses, and compliance-ready decisioning every time.

Give consumers the choice of Pay-in-4 or Pay Monthly with transparent APR, fees, and tenor. Agreements are generated instantly, e-signed on the spot, and backed by compliant disclosures. Payment instruments are tokenized securely. Orders, items, taxes, shipping, and partials are captured in detail for accurate settlement. Promotions and discounts apply seamlessly. Consumers see their schedules in real time with autopay and reminders, and can cancel or amend orders pre-shipment without extra friction. Finance, legal, and operations all get a clean view of agreements and schedules straight from checkout.

Automate billing, autopay, and servicing flows from day one. Handle partial or late shipments, cancellations, refunds, and chargebacks with order-level reconciliation that keeps accounts balanced to the cent. Trigger early alerts for pre-delinquency and run dunning strategies with promises-to-pay or reschedules. Post all movements to the GL with precision, covering fees, settlements, chargebacks, write-offs, and recoveries. Dashboards give risk, operations, and finance teams a real-time view of merchant performance, leakage, and disputes. Dispute workflows reduce manual effort, keep compliance tight, and protect customer experience. This level of servicing precision is what differentiates BNPL decisioning software built on timveroOS.