NicePayer on SIBS Pay
SIBS Pay presents the NicePayer credit software, from analysis to contract, and its official integration with Check NicePayer.
Learn more on SIBS PayCredit analysis software
Better decisions. Simpler credit.
Less manual work. More confidence to sell on credit.
Your own scores for individuals and businesses, with configurable criteria and weights.
Documents, approvals and contracts connected in one operation.
Citizen Card, Permanent Commercial Certificate, IRS and AT/CRC collection.
Practicality and Security
Our online credit software replaces manual processes, records the entire history, and ensures approval auditing.
From the first detail to the final decision
A complete credit operation. Under your control.
Know your client, apply your policy and formalise with confidence. Everything connected, with a complete history.
Make decisions on your terms
Your own scores for individuals and businesses. Your policy guides every approval.
Individuals · Your own score
Individual credit score
Assess income and financial commitments with configurable criteria, weights and score bands. See the suggested monthly capacity for new instalments.
Businesses · Your own score
Business credit score
Combine adverse records, business age and turnover using dedicated business parameters. Support decisions with a reference credit limit.
Policy, approvals and committee
Set stages, owners and approval levels. Keep assessments, returns for review and committee votes in a traceable workflow.
Credit limits under control
Track approved limits, current amounts, expiry dates and each client’s change history.
Exceptions and guarantees
Handle out-of-policy requests with recorded reasons and decisions. Link guarantors and guarantees to each application.
See the whole client picture
People, businesses and relevant connections, brought together in one dossier.
Individual and business profiles
Identity, contacts, financial information, documents and history in one profile. Less scattered information, more context for analysis.
Relationships and business groups
Link shareholders, representatives, spouses and guarantors. Organise business groups and consider group exposure in each application.
Request client information and documents online
Send a link to collect information and files. Configure required fields and documents, track missing items and review submissions before updating the profile.
Dossiers ready to export
Export the dossier with a PDF profile and documents in a ZIP file, organised by person or business, including the related profiles you select.
Less typing. More useful information.
Document reading and online collection to speed up analysis, with information reviewed before use.
Portugal · Individuals
Portuguese Citizen Card
Read identity details and the photo from the card. Review before saving. Requires a compatible card reader and the NicePayer Assistant.
Portugal · Businesses
Permanent Commercial Certificate
Use the access code to prepare the business profile. Review the identified company details, shareholders and representatives before importing.
Portugal · Individuals
IRS tax return reader
Extract available information from the PDF tax return. Review income and identity details before applying them to the individual’s profile.
Portugal · Individuals
Automatic AT/CRC document collection
With the client’s authorisation and authentication, collect IRS returns for the past three years, IRS assessments, a tax domicile certificate and the Banco de Portugal credit liabilities report.
Credit connected to your operation
Data, documents, communication and signatures working together.
Company data
Business lookup by NIPC
Look up a business in VIES using its NIPC and use the returned information to help complete its profile.
Credit risk
Check NicePayer
Bring information on business payment defaults into credit analysis. Integrated with the solution co-created within the SIBS LAB ecosystem.
Address search
Google Maps Platform
Search addresses and fill fields with Google assistance, reducing errors and manual work.
Customer communication
Connect your business WhatsApp to document requests and customer communication.
Customer communication
Send document requests and transactional messages through your business email.
Electronic signatures
OpenSign
Send contracts for electronic signature and track signing status and the technical certificate during formalisation.
Custom integration
We integrate your ERP
We connect your ERP to NicePayer around the data and workflows your operation needs. Integration scope is defined after a technical assessment.
Modules and integrations are available according to your operation’s configuration.
From approval to daily operations
An aligned team, accessible information and a record of every decision.
Contracts and formalisation
Use your own templates, automatic field completion and PDF generation. Track signatures and keep each contract linked to its application.
Client portfolios
Organise clients by portfolio and owner. Give your team access to the information relevant to their work.
Dashboards and reports
Monitor approvals, pending items, processing times and team performance. Export reports as PDF and CSV.
Service proposals
Prepare commercial service proposals, track approvals and move on to contract formalisation.
Security and audit trail
Set roles and permissions for each action, with two-factor authentication. Review the history of changes and decisions.
Your brand throughout the operation
Customise your logo, colours, domain and documents. Keep the experience consistent for your team and clients.
NicePayer Solutions
NicePayer offers integrated solutions for the entire credit cycle: Check NicePayer, credit policy, online software, and technical analysis, with guarantee formalization, proposal management, exception requests, and anti-fraud actions.
Check NicePayer
Debtor registration and consultation, with notification via CTT and email, Multibanco reference, API, and CSV file import.
Credit Policy
We develop and document the credit policy, the collections policy, and the company’s guidelines for legal actions.
Credit Analysis
We carry out in-depth technical analyses of all your company’s credit proposals and debt negotiations.