uFlow for retail and merchant lending
Decide the credit application while the customer is still at the register, with the same policy applied across every store and in the online checkout.
In retail, a credit decision competes with the customer's patience. If the assessment drags, the sale is lost. uFlow runs your credit policy in real time, wired into the point of sale and the checkout, so a retailer can offer its own financing without standing up a risk function the size of a bank's. Retailers and issuers running on uFlow include RappiCard, Hendel, Galilea and Bercomat.
Decide while the customer is still at the counter
The application comes in from the register, the sales associate or the checkout, and the engine handles everything in a single call: it queries credit bureaus and your internal sources, applies the policy in force and returns the decision with its detail. The associate sees an outcome, not a credit analysis to interpret.
The same policy runs identically across every store: it does not depend on the judgment of whoever is on shift, or on a local spreadsheet each branch versions on its own.
- Real-time assessment from the point of sale or the checkout, over a REST API.
- Access to more than 30 integrated data providers within a single flow.
- A single policy in force, applied consistently across the entire store network.
One engine for BNPL, private label cards and installment credit
Retailers rarely have a single financing product: interest-free installments, a private label card, financing for big-ticket purchases and seasonal promotions all coexist. Each one needs its own policy, its own cutoffs and its own limits.
In uFlow each product is modeled as an independent flow, with its own rules and limit assignment, but on the same platform and the same decision history. You do not need one system per product.
- Separate flows per product: BNPL, private label card, installment credit.
- Limit assignment and terms handled inside the same policy.
- Batch rescoring of existing customers to raise or review credit lines.
Integration with your checkout and the operation you already run
uFlow is consumed over a REST API from your ecommerce platform, ERP, POS system or associate app. It does not replace your commercial stack: it takes the application data, decides and returns the outcome so your system can carry on with the sale.
For the IT team it is a contained integration with separate identities per consuming system, which lets you enable channels one at a time instead of opening the whole engine to every application.
- REST API with token authentication and separate identities per consuming system.
- Built-in testing environments to validate the integration before production.
- Real-time individual assessment or batch processing, depending on the channel.
Seasonal peaks without rewiring the operation
Retail demand is not flat: on peak dates the volume of applications multiplies within hours. uFlow runs on serverless cloud infrastructure, with redundancy across two availability zones in different regions, so capacity follows the peak without your team provisioning servers.
For those campaigns, the policy can be built and tested ahead of time in a testing environment, published on the day of the event and rolled back to the previous version once the promotion ends.
- serverless cloud infrastructure, with no capacity to provision.
- Campaign policies prepared and tested ahead of the date.
- Immediate rollback to a previous version of the policy.
Change the policy without filing an IT ticket
Merchandising and risk need to move cutoffs, limits and terms at the pace of the business. With a NoCode drag-and-drop editor, a policy change takes hours and is done self-service, instead of waiting weeks or months for an IT release.
Every publication is versioned, with a full change history and a complete record per decision: input, rules applied and outcome. That lets you review what happened after a policy change and attribute it to the version that was live.
- NoCode drag-and-drop editor, operated by the risk team.
- Automatic versioning with change history and immediate rollback.
- Transaction explorer with the full detail of every decision.
Everything you need to know
How do you approve credit at the point of sale without stalling the sale?+
The register or checkout sends the application over an API and the engine resolves it in a single call: it queries credit bureaus and your internal sources, applies the policy in force and returns the decision along with the limit and terms. The associate gets an outcome, not an analysis to interpret.
Does it work for BNPL and a private label card at the same time?+
Yes. Each financing product is modeled as an independent flow, with its own policy, cutoffs and limit assignment, on the same platform. You do not need a separate system per product, and every decision lands in the same searchable history.
What does my IT team need to integrate a decision engine with our ecommerce?+
A REST API integration with token authentication from your ecommerce platform, ERP or POS system. The engine takes the application data, decides and returns the outcome. Built-in testing environments let you validate the integration before going to production.
Can I change the approval policy for a campaign or a peak shopping date?+
Yes, without depending on IT. The campaign policy is built and tested ahead of time with a NoCode editor, published on the day of the event and rolled back afterward. Every publication is versioned, with immediate rollback to the previous version.
Start growing with uFlow
Transform your credit assessment process with the decision engine.