NicePayer and SIBS: partnership and credit integration

The NicePayer and SIBS partnership is reflected in Check NicePayer, co-created within the SIBS LAB ecosystem. In Portugal, NicePayer credit software provides an official integration with Check, bringing information on business payment defaults into the credit assessment process.

SIBS Pay’s publication about NicePayer credit software presents this connection within a process spanning analysis and contract preparation. For businesses, the value lies in keeping information, decisions and contract preparation connected to the same transaction.

How the NicePayer and SIBS partnership connects to credit software

Check NicePayer is the product co-created within SIBS LAB. The credit software integrates that product in Portugal so that payment default checks can accompany proposal assessment. Co-creation refers to Check; the connection with the credit software is an official integration.

This integration adds information to the decision. Criteria, approval levels and exception handling continue to follow the business’s own policy. The features below support that broader process, with integrations available according to the market.

The credit process starts with the client record

Information gathering can begin with an online invitation. The business chooses which details and documents to request; the client enters the information and uploads files through the link received. The team tracks outstanding items, requests missing details and reviews submissions before creating or updating the record.

For individual clients in Portugal, reading the Portuguese Citizen Card imports identification details and a photograph for confirmation. It requires a compatible reader and the NicePayer Assistant installed on the computer. For companies, an access code for the permanent commercial certificate can be used to prepare the record and review identified relationships before import.

AT/CRC collection provides another option for individuals in Portugal. With client authorisation and authentication, collected documents are attached to the record and available data helps populate its fields. Discrepancies and credit liability amounts remain subject to review.

Organised documents and context for analysis

Attaching a document does not, by itself, answer every question about a proposal. The team still needs to check relevant information, identify gaps and record its assessment. In the software, client details can be reviewed alongside relationships between people and companies, proposals, limits and available history.

Requests for corrections or additional information remain connected to the client record. This helps the team resume its assessment without reconstructing the case from scattered messages.

Approvals and exceptions under company policy

Once the information is assembled, the proposal follows the stages and responsibilities defined by the business. Assessments, returned proposals and outstanding items show what needs attention. Where policy calls for a joint decision, the process can involve a credit committee.

A term outside the policy may require an exception request with its own justification and decision. Recording that route distinguishes a standard approval from authorisation for a particular situation.

Prepare the contract and export the dossier

After approval, the team can prepare contracts using its templates, check the preview and generate a PDF. Signature tracking and the resulting documents remain associated with the transaction.

Dossier export combines the client record as a PDF with attached documents organised by person or company. Selected sections and linked records can be included, subject to access permissions. The team receives an organised set of files for work that needs to take place outside the system.

Apply the process to your business

Start by defining the documents you need, who reviews them, who approves and how the decision will be formalised. Software configuration should follow that process and the features available to the business.

Explore NicePayer credit analysis software and see how these features can support your team.