CREDIT CONSULTING
Our expertise
Our services are underpinned by our core Analytical Team - our 'Credit Risk Engine'
Pure Delta specialises in assessing and managing credit risk
We are experts with many years' experience of analysing and working with businesses to understand their financial strength
We have in-depth experience of a wide range of industries which enables us to quickly identify areas of risk
We have the ability to construct complex models
Our analytical services are reinforced with proven consulting skills
Payments processing channel
When consumers buy goods and services online using debit cards, credit cards or bank transfers, they probably do not appreciate the number of parties involved
The customer orders from the merchant, who has a merchant account with an acquiring bank that processes credit card payments on behalf of the merchant and routes them through the card networks to the issuing bank
The issuing bank either confirms or denies the payment and relays this back to the acquiring bank allowing the merchant to confirm the payment with the customer
Payments processing channel
When consumers buy goods and services online using debit cards, credit cards or bank transfers, they probably do not appreciate the number of parties involved
The customer orders from the merchant, who (often via a payment processor) has a merchant account with an acquiring bank that processes the credit card payment on behalf of the merchant and routes it through the card networks to the issuing bank
The issuing bank either confirms or denies the payment and relays this back via the acquiring bank allowing the merchant to confirm the payment with the customer
The payment processor or acquiring bank collects the payment from the customer and passes the payment to the merchant
Where there are chargebacks, the payment processor or acquiring bank reimburses the customer and recovers the payment from the merchant. If the merchant is insolvent the payment processor or acquiring bank is unable to reclaim the sum it has reimbursed to the customer
Payment processors and acquiring banks are materially exposed to the default risk of the merchant therefore
PureDelta is an experienced credit risk assessor and can use its industry insights to help acquirers by:
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Identifying exposures and concentration risks
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Helping set objectives to support business strategy
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Devising approval processes for internal or external teams
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Unlock industry verticals deemed too risky whilst protecting the downside
