---
canonical: "https://www.softatlas.io/truelayer/products/credit"
name: "Credit"
provider: "TrueLayer"
category: "Commerce / Payments / BNPL Solutions"
review_count: 0
ai_powered: false
website: "https://truelayer.com/credit"
updated: "2026-10-02"
---

# Credit

By [TrueLayer](/truelayer.md)

Combines real-time affordability data and bureau checks to approve more customers at checkout with credit that works for your margin.

## Features
- Combine real-time open banking signals with bureau data for credit decisioning
- Embed the entire checkout journey within the merchant's site or app
- Authenticate transactions using biometric methods via the customer's banking app
- Auto-fill parts of the credit application using open banking and TrueLayer data
- Offer a seamless fallback to a standard Pay by Bank payment if credit is not approved
- Integrate easily with plugins and libraries for various platforms
- Provide ready-made UIs for mobile and browser payment experiences
- Facilitate instant payouts to build trust and loyalty

## Built for
MARKETERS, SALES, OPERATIONS, EXECUTIVES

Source: https://www.softatlas.io/truelayer/products/credit