KalplexOrder signals
Basket value, product mix and shipping address compared with billing.
Risk controlsEarly access
Pay later works best when it's offered to the right orders. Kalplex scores each checkout for fraud and payment risk and shows the option only where your rules allow.
Risk control, not a credit decision
Kalplex doesn't lend and doesn't assess creditworthiness for a loan. Scoring decides whether you offer your own interest-free deferred payment on an order — the same judgement merchants already make before sending an invoice.
Customer history
Past pay-later orders, returns and on-time payments with your shop.
Device and session
Signals that point to automated or fraudulent checkouts.
Limits you set
Maximum basket size, open balance per customer and first-order caps.
Country rules
Offer pay later only in the markets you choose.
Manual review
Hold borderline orders for a person to approve.
Start conservative, then open up
Most shops begin by offering pay later to returning customers and smaller baskets, then widen the rules as they see how their customers pay. Every rule change applies from the next checkout.
Key points:
- Rules you can read, not a black box
- Changes take effect immediately
- Every decision is logged with its reason
Account