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Credit Application Process

What is a Credit Application?

A Credit Application is the process of taking a payment via Deko's retail finance platform.

The Deko Credit Application process follows a series of steps, called STATUSES. The following is the basic credit application flow.


Credit Applications fall into one of two types: In-store and Online.

Deko can be integrated into your e-commerce platform and be used in-store as a payment method.

Accept, Decline, Refer

An application will result in either an ACCEPT or DECLINE status. REFER indicates the application is being reviewed by the lender and will result in one of these outcomes.


This status indicates the customer has paid their deposit. In-store and online applications vary slightly.

In-store: customers are offered more than one way to pay their deposit.

  1. Credit/Debit card (must use Chip & Pin). If Chip & Pin isn't used the ID will be required and must be uploaded to Deko BackOffice.
  2. Cash - ID will be required and must be uploaded to Deko's BackOffice.
  3. Other - ID will be required and must be uploaded to Deko's BackOffice.

Online: payment must be taken with a credit/debit card in the name of the customer applying for finance (customers are prompted to enter their card details at this stage)


This status is triggered once the goods have been received by the customer. In most cases, you can fulfil the order once you have sent the goods.


This status indicates you been settled by the lender.

Credit Application Process

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