Versatile is the credit strategy partner helping retailers provide seamless financing for all customers, including prime, near-prime, and no-credit-needed. With over 20 years of innovation in consumer financing, we’ve led the evolution of credit strategy from kiosks to intelligent, omnichannel platforms. Our technology simplifies the financing process with a single credit application connecting customers with a network of over 35 lenders in-store and online, while integrated analytics and intelligent automation drive higher approvals, better conversions, and a frictionless customer experience wherever a buying decision is made.

Services

• Smart Multi-Lender Integration & Credit Cascade: With access to 35+ prime, near-prime, and no-credit-required lenders, Versatile intelligently matches customers with the best financing option based on their credit profile and purchase needs, all through a single, frictionless application available in-store, online, or via mobile. This streamlined approach maximizes approvals while reducing declines and eliminating the need for multiple applications.
• Unified Lender & Transaction Management: Versatile simplifies the backend complexities of multi-lender financing with a centralized portal to manage all lender transactions in one place. Businesses can launch, process, and track transactions effortlessly while streamlining training, role-based access, and permissions, ensuring teams can confidently and securely manage multi-lender financing operations.
• Prequalification Without Impact: Shoppers can explore financing options without a hard credit check, reducing unnecessary declines while increasing conversions. By quickly connecting customers with tailored financing options, merchants drive engagement and create a better customer experience from the start.
• Omnichannel Financing Experience: Versatile integrates financing wherever buying decisions are made, whether in-store via kiosks, tablets, and POS, or online through e-commerce and mobile integrations. Customers can apply, check out with financing, and access tools like payment calculators to make informed decisions.
• Real-Time Analytics & Insights: Gain a centralized view of multi-lender financing performance across all channels. Versatile provides real-time analytics on lender performance, approval rates, and financing trends, allowing businesses to identify opportunities, optimize credit strategies, and improve financial outcomes at the corporate, store, or associate level.

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