Neutralise the threat from new market entrants with Divido.

Divido is a retail-finance platform for lenders that want to offer end-consumers a new line of credit; across any channel,
region or currency.
We call it Powered by Divido.

Why lenders license Divido

Fast to market

Lenders can respond quickly to the threat from new entrants.

Fully configurable

The Divido platform allowings lenders to create payment journeys that fit business requirements

Your branding

We understand the importance of retaining control of your brand. That’s why our platform is purely white label, with your branding throughout the entire user journey.


Divido works across multiple regions and currencies, through a single integration.

Higher acceptance rates

Divido is connected to multiple lenders with varying credit-risk appetite. If you can’t accept an application, pass it seamlessly onto another lender to maintain the relationship with your retailers and provide a positive brand experience.

Intelligent Lender Portal

Divido’s Lender Portal gives users a 360-degree view of the application journey to manage and measure the programme.

100% ownership

As a lender, you’ll retain full ownership of your merchants, end-consumers and all associated data, for life.

Reduce risk

Onboard a proven solution and benefit from Divido's industry expertise

How does it work?

What’s in the box?

You decide what you want from Divido, what you'd like to retain in-house and what third parties, like credit reference agencies and fraud tools, you want Divido to use on your behalf.

In short, here's what we offer:

Project Management & Reporting

You’ll be assigned a dedicated team to ensure a smooth onboarding and roll-out.


We can integrate with leading online and offline POS systems, as well as a lender's internal systems.

Finance Product Support

The platform is product agnostic; 0% APR, interest bearing, rate for risk, etc.

Loan Origination

Completely self-serviced by end-consumers.

Customer Application Support

Technical support and tools to increase conversion rates.

Fraud Prevention

Including ID verification and other checks.

Decision Engine

Create, test and change your credit rules in real time to optimise outcomes.

Document Creation

Required contracts generated automatically and signatures captured electronically.

Deposits Handling

Payments paid straight to the merchant from the end-consumer.

Training & Support

We work with your front line team to provide a superior customer experience.

Loan Servicing

Lenders, merchants and consumers use a self-service tool to track transactions.


The entire journey is documented and recorded to evidence the transaction.

Want to find out more?

Get in touch to learn how Divido can supercharge your offering.


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