Ablepay is a mobile-first omnichannel commerce platform that helps SMBs offer retail finance to their consumers at the point of purchase in real-time.

1. Ablepay
Future of Retail Finance
The fastest and easiest way to offer
your consumers finance

2. 59% 72% 65%
Why offer Retail finance ? Our customers tell us that…
Of consumers said they
would have bought
elsewhere if finance was
not available.
That’s a lot of extra sales due to availability of retail finance
Of consumers said they
would have postponed the
purchase if finance was not
available.
Of consumers said they
made the purchase because
finance was available.

3. How does it impact your business ?
60%
Finance orders make upto
60% of total sales.
40%
increase in conversions
once finance is offered at
point of sale.
60%
Increase in AOV - average
order value for finance
orders.
Your Customers Can :
Buy what they want
When they want it
And pay how they want it
Your Business Can :
Get more sales
From more customers,
With more loyalty.

4. What is Ablepay ?
Ablepay is the fastest and easiest
way to offer finance to
consumers across all channels –
instore, mobile or web.
It is designed to make finance
simple for retailers, consumers
and lenders.
We are transforming the future
of lending
at the point of sale.

5. Omni-channel
(in-store, mobile or web )
Real-time sales
reporting
and analytics
Merchant sales & training
Toolkit
Invite consumers to apply
on their device
OR
Scan QR code and
complete the purchase
4 min application
time,
2 secs to decision
24x7100% paperless
Features & Benefits

6. How does it work ?
Offer finance to your
customers
You choose the finance offer
you want to provide to your
customers ( 3,6,9 months ) or
more. Offer it across channels
or invite customers.
Easy, instant finance
Customers can complete our
entirely digital application in 4
minutes and receive a decision
in 4 seconds. Everything is
paperless.
The sale is made
After your customer is
accepted and you fulfill the
purchase, you're paid by the
lender in 24 hours.
1 2 3

7. Why use Able Pay ?
We are not a bank or a
lender. We are here to
create delightful
customer experiences
We are on your side
Offer finance to your existing
customers or invite new
consumers to apply on
mobile.
360 degree omni-channel
platform
ZERO Risk
Able assumes all credit
risk for consumers. Nothing
on you. Zilch!
Easy setup and integration
Get started in hours by
using your mobile to offer
finance.

8. Industry’s first multi-lender & multi-tier platform
Each finance application is
assessed against multiple lender
APRs and multiple tiers
( 0% interest to normal interest )
to come up with the right eligible
payment plans for the consumer
Able+ guarantees high
acceptance rates
• Higher conversion rates
• Lowest fees
• More customer loyality.

9. Shadow Limits and Fraud Analytics
Our Shadow Limit feature is a
fantastic up-sell tool that works to
maximize your average AOV.
Applicants are offered a higher
approval limit than what they are
applied for allowing you to sell
upto
3x the intended purchase.
Maximize your profits today with
Ablepay.
Able+ guarantees higher
AOV

10. Program & Pricing
Low Interest
Plan
•Low interest plan
for consumers
•Merchant fees
starting 3% to 8%
•Longer tenures
upto 24 months.
O% interest plan
•No cost interest
plan for consumers
i.e 0% APR
•Merchant fees
starting 5% to 10%
•No upfront setup
costs
•Tenure – 6 to 12
months
Normal interest
plan
•Market interest
rates for consumers
•Consumer APR vary
from 12% to 24%
•Merchant fees
starting 2% only.
•Free for
promotional period
•Tenure - upto
24/36 months
Employed &
Salaried
Aadhaar + Indian
citizen
Age: 18-65 years,

11. Our dedicated team of
customer success staff will get
you up and running in few
hours. And, always there to
support you.
Seamless Onboarding and
world-class 24/7 Support
We work with a wide class of
lenders to serve your
consumers. That means lower
costs, flexible pricing plans and
happy consumers
Flexible Pricing and plans
We want to help you
increase sales and in-
store or on-ground
productivity.
Marketing Guidance &
Help Centre
• Merchant onboarding
toolkit and resources
• Dedicated Relationship
manager
• 24/7 Support Staff
• Customizations according to
your requirements.
• Flexibility on product
categories, types and terms
• In-store posters and
marketing material
• White-labeling
• Social media
campaigns
• Offer generation.
The best “Customer Success” team in your hands

12. Application & Settlement Process
Application
Approval
and
Offer
10:00am +4 mins +3 mins +2 mins +1 min Next Day 30 Days later
Consumer
Repayment
and
Down
Payment
Process
Completed
Repayment’s
from
Consumer
Documents
Upload
Disbursal
Ablepay’s Straight-through processing (STP) including real time underwriting and
paperless process for the consumers leads to maximum conversions
Consumer
begins
application on
Service Provider
or Consumer
App of Ablepay
Within 4 mins
from
application, we
approve the
consumer for an
eligible amount
Post Approval,
Consumer
registers the
repayment
mode and
makes down
payment to the
Service Provider
Service Provider
to upload
necessary
documents on
the App such as
Aadhaar, Pan,
Invoice and
NACH
App checks for
completion of all
steps and
necessary upload
of documents,
Ablepay
approves
purchase
Service Provider
receives the
Amount within
~48 hours post
process
completion at its
end
Consumer starts
the first
repayment to
AblePay post 30
days from
purchase date

13. Thank you