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Credit engine for mobile phones with device locking

Sell phones on credit and collect with confidence: in-store origination, real-time scoring, in-app payments and remote device locking when payments are late.

See capabilities
0 enginesSales, credit and collections
Proprietary scoreMetadata-driven model
KYCBiometric authentication
CloudWeb and app in a single ecosystem

In-store sign-up, in seven steps

The sales rep guides the sale from the Kreditera POS: from the customer's number to the enrolled device, in a single visit.

Three engines, one ecosystem

From sale to collections, Kreditera automates every stage of the credit lifecycle.

Credit engine modules. Customized, reliable, agile and scalable

KYC

Biometric authentication.

Kreditera Score

Custom scoring model with metadata.

Device lock

For credit management.

Payment channels

A network of multiple payment methods.

Kreditera Portfolio

Origination and individualized portfolio management.

What can our system do?

Example of Kreditera: Loan origination
Sales

Loan origination

Digital onboarding, identity verification and real-time assessment to grant more credit with less friction.

Example of Kreditera: Smart management
Credit

Smart management

Manage customers, credit lines, payments and portfolio from a single centralized platform.

Example of Kreditera: Automated collections
Collections

Automated collections

Reduce delinquency with remote locking, reminders and multiple payment channels.

Security, compliance and certifications

We operate critical platforms under international standards for information security and payment data handling.

Seal PCI DSS

PCI DSS

Compliance with security standards for the secure handling of payment data.

Seal SOC 1 Type II

SOC 1 Type II

Audited internal controls over the processes that impact our clients' financial information.

Seal ISO 27001

ISO 27001

Information security management system based on international standards.

Seal CyberGRX

CyberGRX

We assess and manage third-party risk for a more secure supply chain.

Connects with everything else

Screenshot of Ordenaris
E-commerce

Ordenaris

E-commerce, point of sale and inventory in a single platform.

Explore Ordenaris
Screenshot of Payor
Transactions

Payor

Gateway hub, AI-powered anti-fraud and certified processing.

Explore Payor
Screenshot of Mobile Indicators
Data & analytics

Mobile Indicators

Scoring with mobile network behavior data.

Explore Mobile Indicators

Shall we put it to work in your business?

We respond within 24 business hours with a concrete proposal.

What is Kreditera?

Kreditera is a digital credit platform for selling mobile phones on credit. It covers the entire lifecycle: in-store origination with identity verification and a credit bureau check, real-time credit scoring, portfolio management, in-app payments, and remote device locking when payments are late.

Who it's for

Retailers, distributors, mobile operators, and lenders that sell mobile devices on installment plans in their stores and need to approve loans in minutes, manage their portfolio from a single dashboard, and collect with confidence.

Benefits

  • Seven-step origination. From the customer's phone number to the signed contract, right at the counter.
  • Kreditera Score. A custom, metadata-driven scoring model for real-time decisions.
  • Remote lock. Kreditera Lock secures the device when payments are late and releases it once the account is up to date.
  • Multiple payment channels. Card, convenience store, or bank transfer, right from the app.

Frequently asked questions about Kreditera

How does the in-store credit application work?

In seven steps: phone number verification; identity verification; personal details; credit bureau check; credit simulation with the device, down payment, and term; on-screen contract signing; and device enrollment with Kreditera Lock.

What happens if a customer falls behind on payments?

Kreditera detects the late payment, sends a reminder to the app, and, if necessary, locks the device remotely. Once the customer pays, the device is unlocked.

How do customers pay?

Through the Kreditera app, by card, at convenience stores, or by bank transfer. Every payment is reflected in the portfolio in real time.

What is Kreditera Score?

It's the platform's credit scoring model. It uses customer metadata to assess risk in real time and can be customized to your credit policy.

How do I manage my loan portfolio?

From the web dashboard, you can see active loans, customers who are current on their payments, approval rate, delinquency by store, and the amount collected this week, all connected to the customer app.