Adyen conducts a proactive risk assessment for each user based on their processed payment volume before offering business financing. This process results in personalized financing offers.
When integrating Capital into your platform, you can choose how to get and present these offers in your user interface (UI). Select the option that best fits your needs and refer to the corresponding guide.
- Dynamic financing offers: Offer your users greater flexibility by supporting dynamic financing offers through the API. Instead of a list of static offers with fixed financing amounts, a dynamic offer provides a range from which your user can select their preferred financing amount. You can use the range from dynamic offers to, for example, create a slider in your UI that allows your user to select the financing amount.
- Static financing offers: Get a list of static offers with fixed financing amounts for your users. You can then show up to three offers in your UI.
Example
If a user qualifies for up to EUR 50,000 in financing, dynamic offers allow you to present a range from EUR 500 to EUR 50,000. The user can select the exact amount they need, such as EUR 12,500, and immediately view the estimated repayment terms.
With static offers, the API returns up to three fixed amounts, such as EUR 10,000, EUR 25,000, and EUR 50,000. The user must choose one of these options and cannot request an intermediate amount like EUR 12,500.