Credit offering

Flexible credit to support your customers’ spending needs.

Mynt handles the full credit lifecycle on your behalf, from credit line assignment to repayment tracking, invoicing, and collections. This means you can offer powerful, scalable credit features without needing in-house credit expertise, underwriting teams, or operational staff. Everything is built into the white label platform and ready to go.

This solution enables partners to offer revolving or fixed credit lines to customers directly within their branded product experience. Whether you're serving growing businesses or high-volume spenders, credit helps users unlock more value while maintaining full control and visibility.

Why offer credit?

• Boost purchasing power: Enable customers to spend beyond available balance without requiring manual top-ups.
• Reduce friction: Smooth cash flow for growing businesses or time-sensitive transactions.
• Increase loyalty: Provide a banking-grade financial service that integrates seamlessly into your branded platform.
• Targeted credit limits: Tailor the offer by company, card, or use case.

How it works

Each customer is assigned a credit limit, which acts as a virtual buffer added to their available balance. Transactions can be authorised as long as the total amount spent does not exceed this combined available amount (credit + balance).

Key mechanics:

• Repayment: Credit usage is repaid via direct debit or invoice at predefined intervals.
• Limits per entity: Credit can be set per company and  per card.