Online software inspired by best banking practices, hosted on certified servers, with audit trail and high availability.
Centralize registrations, proposals, contracts, and exception requests. Eliminate paperwork, reduce costs, and accelerate decisions.
Credit analysis software
The platform brings together records, dossiers, scoring, approval workflows, contracts, notifications and audit trails in one operation. When a proposal requires technical review, NicePayer can take the approval authority and issue a specialized opinion.
Configure stages, owners, opinions, returns, pending items and final decisions. Higher-risk proposals can move to committee, with votes, opinions and joint approval according to the defined policy.
Decision-support engine using company data, revenue, industry, restrictions, documents, guarantors and declared collateral. NicePayer can also review proposals assigned to its approval authority.
Centralize individuals and companies, documents, relationships, economic group, active limits, proposals, contracts and history. Assisted import from official sources can create the company record, validate data before saving and link active shareholders or representatives when available for the country and applicable document type.
After approval, issue contracts with own templates, automatic placeholders, preview and PDF generation. Track e-signature, technical certificate, public verification or manually signed documents attached to the proposal.
Register exception requests with context, justification, opinions and final decision. Link guarantors to the proposal and keep traceability of everyone involved in the risk composition.
Define access profiles, permissions by action, two-factor authentication and user management. The audit trail records changes, decisions, workflow movements and sensitive operational events.
Track records, commercial portfolios, proposals, exceptions, formalizations, contracts and internal alerts in a central dashboard, with browser alerts when enabled.
Connect a transactional messaging channel by QR code, customize logo, favicon, colors and own domain, keeping the experience aligned with the company's brand.
Debtor registration and consultation, with notification via CTT and email, Multibanco reference, API, and CSV file import.
We develop and document the credit policy, the collections policy, and the company’s guidelines for legal actions.
We carry out in-depth technical analyses of all your company’s credit proposals and debt negotiations.