What we do

A safer, simpler and superior way to offer trade credit.

Hokodo enables your customers to access a harmonised B2B payment experience and better payment terms across all your sales channels, while you’re free to focus on your core business and grow with confidence.

The challenge today

Small and medium sized enterprises (SMEs) need trade credit in order to pay for their business purchases, but such facilities are often only available offline and have abysmal acceptance rates. Customers must print and post hand-written forms, then wait days for approval only to find out they might not be eligible.

Meanwhile, B2B marketplaces and e-commerce platforms are left juggling several outdated solutions. They often end up granting payment terms off their own balance sheet in order to satisfy buyers’ expectation for a seamless payment experience and access to credit terms online.

How Hokodo can help

Hokodo's services

A digital trade credit solution

Hokodo’s digital trade credit solution gives suppliers the flexibility to pick and choose from a full B2B payments suite. Wave goodbye to the days of multiple integrations with antiquated providers – Hokodo’s API delivers every element of the order to cash cycle in one solution.

Credit scoring and instant decisions

  • Win business by offering favourable payment terms.
  • Instantly credit check your customers, without impacting their credit scores.
  • Keep deal momentum up by prequalifying customers without relying on the finance department.
  • A proprietary risk platform and backing from Lloyd’s of London empowers you to offer trade credit to a greater number of customers.
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  • Customers pay later, while you choose when to get paid
  • Customise when payment terms start, for example when the order is placed or upon fulfilment.
  • Cash flow is improved for you and your customers, without anyone having to take on unnecessary risk.

Risk protection

  • Give customers payment terms without subjecting your business to risk.
  • We protect you against all non-payment risks including insolvency and bad intent.
  • You are protected against fraud risks including ID theft and account takeover, so you can grow with confidence.
Umbrella with rain droplets
Umbrella with rain droplets


  • Customers are empowered to pay in 30, 60 or 90 days, or opt to settle immediately with our ‘pay now’ function.
  • A variety of payment methods including direct debit, credit card, bank transfer and open invoice can be accepted.


  • Your team is no longer burdened with the time-consuming operational labour of the collections process.
  • Collections processes are carried out with tact and respect in order to foster long-term customer loyalty and preserve commercial relationships.
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Want to learn more?

Find out how the features and benefits of our solution are optimised for your industry.

How it works

We don’t think you should have to develop new processes when you partner with a payments provider. That’s why our fully customisable solution works with the sales channels you already use.

Website sales

See how an online trade credit solution works for you and your customers.


See how a telesales trade credit solution works for you and your customers.

Omnichannel sales

See how a digitised trade credit solution enhances your offline transactions.

Quick & easy implementation

Our APIs and e-commerce CMS plug-ins make integrating Hokodo’s digital trade credit solution quick and easy. You could be onboarded and offering payment terms to your customers within a couple of days.

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Want to see it in action?

Learn how Hokodo helps you to sell more and scale your business.