Retail and eCommerce
Faster Checkouts. Higher Conversions. Smarter Decisions.
Zoot helps retail and eCommerce lenders say yes at the right moment by using real-time credit decisions, fraud checks, and personalised offers that convert.
Instant Credit at Checkout
Approve more customers, faster, with real-time credit, fraud, and identity checks built directly into your online or in-store flow.
Smarter Lending Decisions
Use richer, connected data to power every approval and balance convenience with smart risk control.
Conversion-Driven Journeys
Win back more sales with low-friction financing that meets your customers where they are.
Smarter Retail Finance Starts Here
Customers expect instant approvals, personalised offers, and smooth checkouts, whether online, in-store, or in-app. But fragmented systems and rigid workflows make it tough to keep up. Zoot helps retailers run live credit and fraud checks at checkout, so your customers get fast answers, and your team launches offers without delays.
Guide Customers from Discovery to Decision
Don’t lose customers to clunky forms. Our white-label UI templates create fast, branded credit sign-up flows that feel like a natural part of checkout, not a detour.
Checkout Onboarding
Connect to Better Data, Faster
At checkout, timing is everything. We connect to a wide array of data sources so you can check affordability instantly and serve up offers that convert.
Checkout Data
Keep Fraud in Check
Fraud doesn’t wait and neither should you. We run quick identity, behaviour, and transaction checks behind the scenes, flagging risk instantly while keeping checkout fast for your genuine customers.
Fraud Protection
Risk Decisions That Stay Sharp
Fast retail credit shouldn’t mean risky credit. We use customisable models that apply instant affordability and risk logic so your approvals stay fast, fair, and responsible.
Risk Management
Launch Offers and Credit Rules in Minutes
Launching new products and promos shouldn’t take weeks. Our low-code tools help your team update credit rules, pricing or offers on the fly—no IT tickets, no waiting. Just campaigns that go live when you need them.
Offer Automation
Handle Exceptions Without Disruptions
When a case needs a closer look, we bring all risk signals, documents, and history into one clear view, so your team can step in fast, with context, and keep checkout flowing.
Review Management
Retail Lending Reimagined Without Limits
From checkout to credit decisioning and merchant onboarding, Zoot helps retailers and payment providers move faster, personalise offers, and manage risk securely.
Buy Now, Pay Later
Enable customers to buy now, pay later with trusted real-time credit decisions seamlessly integrated into your checkout flow.
Consumer Lending
Offer fast, personalised loan options without the wait. With built-in onboarding and full controlover data and risk, you keep it customer-friendly and compliant.
Merchant Onboarding
Bring merchants onboard faster with automated checks, risk scoring, and flexible, scalable workflows designed for high-volume marketplaces.
Zoot’s Retail & E-Commerce Impact
We partnered with a global digital payments provider to scale fast, simplify compliance, and unify lending and onboarding across 40+ platforms, without adding complexity or risk.
1 Interface
40+ Platforms
A single global gateway connects all their markets, subsidiaries, and services, making it easy to expand without juggling different systems.
100%
Reusability Across Markets. With plug-and-play infrastructure, launching new products or entering new regions happens without rebuilding everything.
Launch Faster,
Everywhere
Reusable APIs and agile architecture let them roll out credit cards, POS loans, and more, anywhere, anytime.
Onboarding
Automated checks and built-in logic cut onboarding time down to just two weeks, getting new markets ready fast.
In just
2 Weeks
+40M Growth
over 3 Years
They grew from 40 million to 90 million transactions a year, powered by smarter scaling and shared services.
“There is no doubt that the company will continue to grow and expand, all while relying on the control, flexibility and scalability that Zoot brings to the table”
Global VP
Infrastructure & Expansion
Tap Into the Data Behind Every Smart Decision
Zoot’s platform integrates with over 300 data sources, providing banks with access to real-time insights for secure credit, fraud, and compliance decisions across all lending products.
Say Yes at Checkout, in Real Time
See how we power instant approvals, better conversions, and fraud-free checkouts,online or in-store.