Step 1
Merchant creates a quote
Enter the customer, the amount, the product description, and the term options you want to offer. We generate a secure malopay.com link and email it to the customer.
Step 2
Customer applies
On their phone or laptop, the customer reviews the offer, picks a payment plan, fills in personal details, and gives consent. The flow is mobile-first and accessibility-ready.
Step 3
Routing engine selects a partner
We match the application to the best regulated partner using configurable rules - country, currency, amount, term, merchant category. No vertical-specific code paths.
Step 4
Partner returns a decision
Approved, declined, or pending - all status changes are mapped to a normalised internal status, audited end-to-end, and emailed to the customer and the merchant.
Step 5
Customer accepts the offer
When approved, the customer reviews the plan and accepts. The merchant tracks the funded status from their dashboard. Every consent and document is versioned and stored.
What we don't do
- Make credit decisions ourselves - partners do that.
- Promise approval. There's always a real eligibility check.
- Take deposits or hold funds. We're a workflow layer, not a bank.