Buy Now, Pay Later Built for Morocco
Spotter is a Casablanca-based fintech empowering Moroccan merchants to offer flexible installment payments to their customers, with zero credit risk for the seller and instant settlement.
The Challenge
Millions of Moroccan consumers are excluded from traditional credit. Merchants lose sales every day because customers cannot pay the full price upfront, and banks are too slow to help. The result: missed revenue, lower growth, and a widening financial inclusion gap.
Our Solution
Spotter's Buy Now, Pay Later platform lets customers split their purchases into easy monthly installments, approved in seconds. Merchants receive their full payment immediately. Spotter takes on the credit risk, so merchants never have to.
How It Works
01
Customer Applies at Checkout
At the point of sale online or in-store, the customer chooses to pay in installments and submits a quick application through Spotter's seamless interface.
02
Instant Risk Decision
Spotter's proprietary risk engine analyzes alternative data sources in real time, no traditional credit score required, and returns an approval decision in seconds.
03
Merchant Gets Paid Instantly
The merchant receives the full transaction amount immediately. Spotter manages the repayment schedule directly with the customer, zero admin, zero risk for the merchant.
Why Spotter?
Our risk decisioning model goes beyond the traditional credit bureau, leveraging a wide variety of alternative data sources to give real-time insights into affordability and risk, tailored to the Moroccan market.
Built on secure, developer-friendly APIs, Spotter integrates seamlessly with any merchant's existing POS or e-commerce platform, in days, not months.
Built for Merchants
Increase Conversion
Customers who can spread payments are more likely to complete a purchase and buy more.
Zero Credit Risk
Spotter absorbs the repayment risk. Merchants are paid upfront, every time.
Quick Integration
Our secure API plugs into your existing systems with minimal technical effort.
Made for Morocco
Designed from the ground up to comply with Moroccan regulations and serve the local market.
Ready to grow with Spotter?
Join the first wave of Moroccan merchants offering Buy Now, Pay Later to their customers. Let's unlock new revenue together.
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