Licence Divido

Licence the Divido technology and focus on your lending.

Powered by Divido

Divido is a point of sale credit origination platform for lenders that want to offer end-consumers a new line of credit - instantly, paperless and completely omni-channel. We call it "Powered by Divido".

Join Divido

In addition to licensing Divido under your own brand and offering it to your merchants and end-consumers in multiple markets, as a lender you can also join the Divido panel and get access to our multinational merchants and intermediaries, and their end-consumers requesting finance.

Why lenders licence Divido

Quick pilots

New to omni-channel point of sale finance or a specific country? Run a tailored pilot to gather real data to inform your business case.

100% ownership

Lenders retain full ownership of their merchants, end-consumers and all associated data, for life.

The Divido features

Omni-channel, multi-country (language, currencies, application journeys, etc.) and syndicate deals with other lenders for higher approval levels.

Full customisation

Every lender is unique which is why every instance of "Powered by Divido" will be customised to meet your specific requirements.

Works with any lender

Divido works with any lender, merchant(like BMW, HTC, Lenovo) and intermediate(like Mastercard, Salesforce, Shopify), across 10 markets in Europe and North America.

Case study

Why did BMW Financial Services partner with Divido?

What’s in the box?

As a lender you decide what you want from Divido, what you'd like to retain in-house and what third parties (e.g. credit reference agencies, fraud tools, etc.) you want Divido to use on your behalf. In short, this is what we offer:

Project Management & Reporting

You’ll be assigned a dedicated team to ensure a smooth onboarding and roll-out.


We can integrate with leading on and offline POS systems, as well as a lender"s internal systems.

Finance Product Support

The platform is product agnostic; 0% APR, interest bearing, rate for risk, etc.

Loan Origination

Completely self-serviced by end-consumers.

Customer Application Support

Customer service 24/7/365 and other tools to increase conversion rates.

Fraud Prevention

Including ID verification and other checks.

Decision Engine

Create, test and change your credit rules in real time to optimise outcomes.

Document Creation

Required contracts generated automatically and signatures captured electronically.

Deposits Handling

Payments paid straight to the merchant from the end-consumer.

Training & Support

Divido works with a lender’s front line team to provide a superior customer experience.

Loan Servicing

Lenders, merchants and consumers use a self-service tool to track transactions.


The entire journey is documented and recorded to evidence the transaction.

Military Grade Security

Divido will comply with ISO27001, ISO22301 and ISO9001.

Above and beyond

To help lenders get started, Divido can even originate and onboard new retailers for you. Divido can also provide ongoing technical support and customer service to your merchants and end-consumers, in your name. All you have to do is focus on the lending.

For more information, email us on!

Ready to try Divido?

Book a call with someone from our friendly merchant team.

By submitting my information, I agree to Divido's privacy policy.