For merchants
Offer flexible payments - keep the risk off your books.
MALOPAY turns higher prices into clear monthly plans for your customers. We orchestrate the workflow end-to-end; regulated financing partners handle the credit decision, the underwriting, and the consumer credit obligations. You keep the brand, the relationship, and the audit trail.
Why operators choose MALOPAY
Higher conversion on big-ticket sales
Customers who can't pay the full amount today can almost always pay a clear monthly figure. Putting a financing option on the page consistently lifts conversion on services, equipment, and treatments above a certain ticket size.
The regulatory weight isn't yours
We route applications to regulated partners. They underwrite, decide, and carry the consumer credit obligations. You keep the customer relationship and the evidence trail your auditors and partners actually want.
Configurable for your category
Disclosures, term options, document requirements, and routing rules adjust to your country, currency, category, and partner - without us writing custom code for your vertical. New countries and partners arrive as configuration, not a release.
One operating layer, end-to-end
Quote creation, customer flow, payout tracking, refunds, staff invites, document upload, audit log, exports - behind one sign-in. No glue work between three SaaS tools and a spreadsheet.
What going live looks like
Step 1
Apply
Submit your business details. We come back with a written commercial offer once we've understood your size, country, and partner fit.
Step 2
Configure
We tailor partner routing, term options, disclosure copy, and staff roles to your operation. Most merchants are configured in days, not weeks.
Step 3
Launch
Send your first quote on the same day. Customers apply on a malopay.com link branded to you; partners decide; payouts land.