Common questions

Straight answers,
before you start.

Common questions about using Kredit.

Who gives the goods on credit?
The seller does. Kredit does not lend money. We only help both sides keep the sale and the payment clear.
Is Kredit a loan app?
No. The seller gives the goods and chooses who gets them. Kredit only keeps the amount, the payment day and every payment.
What if my customer does not pay?
Kredit sends reminders first. After the extra days you agreed, Kredit can ask their bank for the money, only with valid permission and after the agreed payment and dispute checks. A dispute report holds the disputed amount. Separate account or collection restrictions may stop further debits. A debit can fail; repayment is not guaranteed.
What if money enters and then goes back?
We show clearly that the money was reversed, and we add that amount back to what the customer still owes.
Does Kredit show a credit score?
No. Kredit only shows what actually happened in your own sales. There is no secret number deciding anything.
Must my customer install an app?
No. They open a private link on their phone. Reminders and receipts can come by email, SMS or WhatsApp when that message option is available.
How much does it cost?
Writing a sale down is free. The seller owes the agreed base fee when the accepted sale becomes active after the required goods steps. If Kredit later collects money from their bank, a collection fee applies on the money actually collected. There is no monthly fee. A sale keeps the rates it was agreed on, even if rates change later.
Can other sellers see my business?
Other sellers cannot open your private sales or bank records. Your staff see what their roles permit, and your customer sees their own sales. Limited trade-history information may be shared only under the applicable customer consent and access controls. Kredit staff may open a record to help you or check a problem. A receipt that gets shared hides names and bank details. The privacy notice explains everything.

Still not sure? Try a sample sale, see what it costs, or read the privacy notice.