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Grow customer acquisition through optimized credit

Versatile helps merchants identify unique opportunities within financing programs to drive growth and sales through fully integrated solutions and strategy.

A complete
financing solution

Versatile empowers merchants and lenders to reach their growth goals and potential through optimized credit in four strategic areas within a fully integrated financing platform.

Versatile Apply

Versatile Transact

Versatile Analyze

Versatile Integrate

Versatile Apply

Facilitate and drive consumer applications and approval rates using a full spectrum of lenders and solutions, including Versatile Credit Cascade and prequalification.

  • Allow more consumer choice

    Match consumers to lending products that work for them, cascading to multiple lenders through a single application.

  • Drive more applications with pre-approvals

    Provide a transparent, non-intrusive customer experience with pre-qualified offers without a hard credit check.

  • Offer financing opportunities everywhere

    Extend the same comprehensive financing opportunities wherever a decision is made, from in-store to online.

  • Apply on any device

    Versatile empowers merchants and customers with dynamic lending flows that work with their existing technology and devices.

  • Configure lender availability

    Lender availability can be configured to geography, portfolio split, price point, and product.

  • Strategically distribute lender portfolios

    Portfolio splits enable merchants to distribute their portfolio and allocate specific percentages per lender.

  • Optimize requested amounts

    Match customers with financing plans suited to the scale of their purchase and financing needs.

  • Enable seamless accommodations

    Automatically redirect missed requests by a set percentage to the next lender, maximizing fulfilled accommodations.

Versatile Transact

Supports merchants with the full range of payment options: authorization, funding, refunds, contracting, and more.

Payment processing

One-stop shop for payment processing — authorize, fund, void, and refund.

Loans and contracts

Create and activate loans. Manage stipulation workflows and lender communications.

Comprehensive features

Generate receipts, look-up accounts, query open-to-buys, and find transactions.

Access controls

Roles-based access to features. Location-based access to data.

Versatile Analyze

Harness deep insights from a single screen, including real-time data and analytics to measure, evaluate, and optimize financing programs.

Versatile Insight TM

Comprehensively measure your
financing program with proprietary, real-time analytics. 

Easy customization

Point-and-click setup and configuration.

Slice-and-dice

Over 40 different metrics and 20 different facets.

Roll-up and drill-down

Analyze from a corporate birds-eye view all the way down to the store.

Versatile Integrate

Seamlessly integrate your existing technology, systems, and processes into your consumer financing hub.

Integration into your unique business systems and processes

Save time, eliminate errors, and drive efficiencies with Versatile technology integration into your merchants’ unique business systems and processes.

Powerful APIs and SDKs

Versatile APIs and SDKs simplify common integrations from CRM to POS, ecommerce, and business intelligence systems.

Fully turnkey, and fully ready

Versatile out-of-the-box integrations means merchants are ready-to-go on platforms including ecommerce, retail POS systems, and STORIS.

Plug-and-play customization

Let us build integration modules for your custom platforms, including homegrown ERP and POS systems.

Streamline the back office

Optimized
operational efficiency

Streamlined processes make financing workflows less time-consuming, increasing merchant and customer satisfaction.

Less system and
process fragmentation

Unify complex, multi-lender systems into a single, streamlined portal, enabling staff to manage financing workflows consistently and confidently.

Compliance
assurance

Ensure that transactions follow a standardized, compliant process to protect merchants from regulatory risks, inconsistencies, and fraud.

Unified
merchant insights

Versatile Transact collects data from all lenders to provide a comprehensive, cross-lender view of the entire customer financing journey across all channels.

One API connects to all lenders

One integration connects them all with the Versatile Credit private label payment API.

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Merchant tools that drive
growth and sales

Lenders and merchants can seamlessly onboard, customize, and manage their solutions to optimize credit and drive sales.

Online merchant onboarding

A self-service data collection wizard streamlines merchant enrollment in lender services.

Lender-branded turnkey portal

Merchants can launch applications, process transactions, and track performance from a single, lender-branded screen.

Secondary and tertiary options

Give merchants access to 25+ secondary and tertiary financing options.

Easy-to-use administrative features

Enable administrative access to merchants,
program managers, or Versatile support staff to
perform:

  • User management
  • Roles management/security
  • Location management
  • Financing plan management
  • Dashboards

Customizable dashboards

Merchants can customize their dashboard view to include recent applications, recent payments, data metrics, useful links, and hosted content.

Text-to-apply

Snap-to-apply

Apply at POS station

Self-service

Let’s get started

Deploy optimized credit solutions and strategies for your merchants that drive sales and growth

Get a Demo