Identity and credit checks for shops and small businesses
A shop owner selling a fridge on credit, or paying a deposit to a new supplier, usually has to go on instinct. RDCPASS gives small businesses the same certified identity checks that large institutions use, paid for from a prepaid wallet. You can confirm who a customer is, look up a supplier in the business registers and see a credit score before you agree to instalments.
- Customer checks at checkout
- Suppliers verified by RCCM, ID NAT or NIF
- Credit sales approved with the customer’s consent
Example journey
Selling a motorbike in instalments
RDCPASSCustomerKabeya M. Tshisekedi
COD-2103-0214-4937
Gives their RDCPASS ID at the counter or in your online store
The challenges
No budget for a compliance department
A small business still needs to know its customers and partners, but it cannot pay someone to check documents all day.
Suppliers who are not what they claim
One deposit paid to a company that does not exist, or is not who it says it is, can wipe out months of margin.
Selling on credit is a gamble
With no credit history to look at, merchants either turn down instalment sales or end up chasing unpaid debts.
How RDCPASS helps
Customer verification at checkout
Confirm a customer’s certified identity before a high-value sale, a delivery on account or a store-card sign-up. Online, they can sign in with RDCPASS in one step.
Supplier and B2B partner checks
Before you pay or deliver, look up a supplier, distributor or wholesale customer by RCCM, ID NAT or NIF and see its officers and beneficial owners.
Credit sale approvals
Once the customer consents in the RDCPASS app, you receive a credit score drawn from mobile money, telecom, banking and utility data. Use it to decide on an instalment or buy-now-pay-later sale.
Connects to the channels you already run
Your app, website, branches and back office call RDCPASS through a single integration. The services you choose send back verified answers your staff can act on.
Your channels
- Mobile app
- Website
- Branches & agents
- Back office
Your outcomes
- Customer checks at checkout
- Suppliers verified by RCCM, ID NAT or NIF
- Credit sales approved with the customer’s consent
Recommended products
Regulation & compliance
- A credit score is only produced after the customer gives explicit consent in the RDCPASS app.
- Each check is logged with its purpose, so you can show how a customer or partner was verified.
- Each application receives only the data scopes it has been approved for, which helps you meet your data-protection obligations.
- Identity fraud by customers or fake suppliers can be reported to the national fraud desk through Fraud Reporting.
From first test to production
Every organization goes through the same three steps.
- 1
Build in the sandbox
Free and available immediately, with synthetic identities, businesses and faces.
- 2
Pass due diligence
We review your business (governance) and your application (security, scopes, testing).
- 3
Go live
Set up production keys and an mTLS certificate, and choose the billing model that suits you.
Frequently asked questions
Is RDCPASS affordable for a small business?+
Yes. On Pay as you go you pay only for the checks you run, from a prepaid wallet topped up by M-Pesa, Orange Money, Airtel Money, card or bank transfer. There is no monthly commitment.
Do we need developers to get started?+
The services are provided through an API, so someone has to integrate them. The sandbox is free, and your web or IT provider can connect it to your store or till.
Can we check a supplier before paying a deposit?+
Yes. KYB Verification confirms the company by RCCM, ID NAT or NIF and returns its officers and beneficial owners, so you know who you are paying.
Does the customer have to agree to a credit check?+
Always. The customer approves each credit request in the RDCPASS app. Without that consent, no score is produced.
Related solutions
Fintech & mobile money
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Learn moreTransportation & mobility
Verify drivers, couriers and fleet operators, and issue named tickets.
Learn moreTechnology & platforms
Let Congolese users sign in with RDCPASS and verify the sellers on your marketplace.
Learn moreStart in the sandbox or talk to our team
The sandbox is free and open now. If you would rather discuss your sector, expected volumes and billing model first, our team can take you through it.