Give your buyers and suppliers access to credit
Embed Kriya into how you buy and sell. Your buyers pay later, your suppliers get paid early, and Kriya funds both sides.
- £4bn+ credit advanced
- Live across 45+ countries
- Part of Allica Bank
Trusted by ambitious businesses since 2012
One credit layer,
both sides of your business.
Suppliers:
Early payout
Suppliers get paid early on approved invoices, as a working capital advance.
Your business:
Cashflow, both ways
Offer credit to both sides without funding it from your own balance sheet.
Buyers:
Pay later
Buyers take 30, 60 or 90 day terms when they order from you.
Integrate Kriya your way
Direct API
Integrate directly with our API for a highly customised shopping and checkout solution experience.
Hosted Payments
Insert a secure hosted payment page at checkout or embedded within other payment prompts.
eCommerce Plugins
Get up and running immediately with our range of plugins for leading eCommerce platforms.
PSP integrations
Offer Kriya’s flexible B2B payment terms seamlessly through your Stripe checkout and other payment providers.
Wherever you do business, both online & offline
Why merchants work with us
By offering diamond buyers Buy Now Pay Later at checkout, powered by Kriya – Nivoda's gross merchandising volume also increased by 5X.
“Being able to offer credit has helped our customers manage their working capital and buy more. As a result, customers appreciate our service even more, as evidenced by higher repeat purchase and retention levels for customers that make use of Nivoda credit.”
Through Kriya's Embedded PayLater, Halfords saw an increase in B2B purchase frequency and order size, both online and offline.
“We work with sole traders, business customers and government entities. Kriya is the only supplier that could support all three. We expect our B2B revenues to increase as a result of providing Kriya’s flexible payment terms to our trade and business buyers.”
Scale with speed & security
Merchant portal
Get insights and manage all your buyers and orders in one place
Reconciliation
Kriya syncs with ERPs & accounting software – get a consistent view of your sales
Collections
No chasing payments, we handle collections on your behalf.
Invoicing
Get insights and manage all your buyers and orders in one place
Embed Finance in 45 Countries, and counting
Questions about embedded finance
No. Payment links, co-branded cards and point-of-sale integrations cover offline and field sales, and most merchants run more than one format.
We do. We chase and collect when payments fall due, so your finance team doesn't. Your buyer deals with us, and you've already been paid.
Yes. We run instant buyer decisioning across 45+ countries and in multiple currencies, so you can offer terms in markets where you couldn't credit-check buyers yourself.
It depends on the format. eCommerce plugins and hosted payments are quickest (can be within weeks). A fully custom direct API build takes longer and depends on your own engineering schedule as much as ours (can be up to a couple months).
If you select the API integration route, we can integrate with your order management system.
We carry the credit risk. You've already been paid in full and that payment is yours. We handle the chasing.
Pricing is per transaction and depends on your volumes, your average order value and the terms you offer. The platform itself, including the merchant portal, collections and reconciliation, is part of the service rather than a separate cost. You can choose as a merchant to pay the cost or you can have the buyer pay.
That's your call. Kriya can appear as the credit provider at checkout, or the experience can be presented in your own branding. We'll talk through the options on the call.
Kriya has been owned by Allica Bank since October 2025. Embedded finance runs on a bank's balance sheet and cost of capital, with Kriya's technology on top. For you that means more capacity and more competitive pricing.
How you sell, who your buyers are, your annual B2B transaction volume, your average order value and the systems you run. 30 minutes on a call is usually enough to gather information.
Let’s find the right facility for you
Takes about a minute to fill out. A member of our team will then reach out to set up a 20-minute call at a time that suits you.
- 1A short consultation focused on your goals and funding needs
- 2A clear view of whether Kriya is the right fit
- 3Indicative terms and a path to getting funded
Kriya’s promise. If we can’t help you, we’ll do our best to refer you to a trusted partner that can, no strings attached.