Hi All, 

Please find below a list of Status' and their meanings when you receive a P4L application. 

Speak to me if these don't make sense to you as I am happy to go through.

Also, I have put contact details below of key people in the support team who can help with any queries you may have. Chris Nourse is no longer with the company and therefore I have requested Tom Bennett to be our new account manager. This will hopefully be confirmed by Robin Farmer (Head of Sales) in the new year.

Pay4Later Contacts

 

  • Tom Bennett 
  • Jade Anderson
  • Aaron Boyd

 

Pay4Later Credit Application Status'

 

  • PREDECLINE: The credit application has been declined by CreditSentry
  • ACCEPT: The consumer completes, signs and submits the credit application and the lender responds with an ACCEPT and decision. ACCEPT decisions are valid for 90 days.
  • DECLINE: The credit application is submitted and the lender responds with a DECLINE decision.
  • REFER: The credit application is submitted and the lender responds with a REFER decision.
  • VERIFIED: The consumer has successfully paid their deposit using a credit or debit card.
  • AMENDED: The credit application has been amended and is awaiting the consumers approval.
  • FULFILLED: The retailer has notified Pay4Later that they have fulfilled the order.
  • FULFILMENT: Is defined as consumer having receipt of all items e.g. their complete order.
  • COMPLETE: The credit application has been included in a settlement payment from the lender to the retailer.
  • CANCELLED: The credit application has been cancelled.
  • INFO NEEDED: An underwriter requires additional information before the credit application can be decisioned.
  • ACTION CUSTOMER: The customer has been accepted, paid their deposit and has been sent an email requesting them to upload their ID document.
  • ACTION RETAILER: The customers identity document could not be validated (you must obtain valid ID from the customer manually).